Cheaper 2006 Ford Freestar Insurance Rates

Searching for lower car insurance rates for your Ford Freestar? Are you a victim of overpriced car insurance? Don’t feel bad because many drivers feel the same as you. Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with advertising and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.

Informed drivers can slash their insurance premiums

Many factors are part of the calculation when quoting car insurance. Some factors are common sense such as your driving history, but other factors are not as apparent like your continuous coverage and annual miles driven.It’s important that you understand the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively determines premiums, this allows you to make good choices that could result in cheaper rates.

  • Marriage can save you money – Having a spouse can get you a discount when buying auto insurance. It demonstrates that you tend to be more mature and responsible and statistics show drivers who are married are more cautious.
  • How much liability insurance – Your auto insurance policy’s liability coverage kicks in if ever you are found liable for damages caused by your negligence. It will provide you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Driving citations hurt – Your driving citation history influences premium rates substantially. Only having one ticket could increase your next policy renewal by as much as thirty percent. Careful drivers get better rates compared to drivers with tickets. Drivers who get severe violations such as reckless driving or DUI may need to file a proof of financial responsibility form (SR-22) with their state in order to prevent their license from being revoked.
  • Add-on coverages may be wasting money – Insurance companies have many extra coverages that can add up on your auto insurance policy. Add-on coverages like rental car reimbursement, better glass coverage, and extra equipment coverage may be wasting your money. You may think they are a good idea when deciding what coverages you need, but if you’ve never needed them in the past eliminate them to save money.
  • Rural areas have lower costs – Having an address in a small town is a good thing when buying auto insurance. Residents of big cities have much more traffic and much longer commute distances. Fewer drivers and short commutes corresponds to lower accident rates as well as less vandalism and auto theft.
  • No auto insurance gaps is important – Not having insurance can get you a ticket and any future policy may cost more because you let your insurance coverage expire. And not only will your rates increase, being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
  • Proper usage rating affects prices – The higher the miles on your Ford every year the higher your rates will be. Many insurance companies price each vehicle’s coverage based upon how much you drive. Cars and trucks that do not get driven very much qualify for better rates than vehicles that have high annual mileage. Make sure your auto insurance policy correctly shows annual mileage. Having an incorrect usage rating on your Freestar can result in significantly higher rates.
  • Youthful drivers are expensive to insure – Teen drivers tend to be careless and easily distracted when behind the wheel and because of this, their auto insurance rates are much higher. Older insureds are more cautious drivers, tend to cause fewer accidents and receive fewer citations.

The cheapest insurance coverage

There are a lot of ways to compare insurance coverage quotes, but one way is more efficient than others. You could waste a few hours talking to local insurance agents in your area, or you can utilize online quoting to get pricing more quickly.

Many of the larger companies belong to a marketplace that allows shoppers to enter their coverage request one time, and each participating company provides a quote based on that information. This system prevents you from having to do quotation requests for each company. To compare rates now click to open in new window.

The only downside to comparing rates this way is that you can’t choose which carriers you want to price. If you wish to select specific providers for rate comparison, we have a page of insurance coverage companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use equivalent quote information with every price quote. If the quotes have different limits and deductibles on each one you will not be able to determine the lowest rate for your Ford Freestar.

Find discounts on auto insurance

Auto insurance companies do not list every discount in a way that’s easy to find, so here is a list some of the more common as well as the least known discounts that may be available.

  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices help deter theft and will save you 10% or more.
  • Onboard Data Collection – Drivers who elect to allow their company to monitor driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they are good drivers.
  • Waiver for an Accident – This one isn’t a discount, but a few companies such as State Farm and Allstate will let one accident slide before your rates go up if you are claim-free prior to being involved in the accident.
  • No Claim Discounts – Insureds who avoid accidents and claims get the best auto insurance rates as compared to drivers with a long claim history.
  • Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Low Miles Discount – Low annual miles could be rewarded with substantially lower premium rates.
  • Student Driver Training – Have your child enroll and complete driver’s education in school.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • New Vehicle Savings – Insuring a vehicle that is new can be considerably cheaper because newer vehicles keep occupants safer.

Please keep in mind that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky. But any discount will bring down your policy premium.

Large auto insurance companies and a partial list of their discounts are shown below.

  • State Farm offers premium reductions for passive restraint, safe vehicle, student away at school, accident-free, Drive Safe & Save, and good student.
  • Farmers Insurance has discounts for teen driver, switch companies, distant student, early shopping, and good student.
  • Progressive may offer discounts for multi-vehicle, homeowner, online signing, online quote discount, multi-policy, good student, and continuous coverage.
  • GEICO offers discounts for daytime running lights, emergency military deployment, federal employee, multi-policy, driver training, membership and employees, and multi-vehicle.
  • Auto-Owners Insurance offers discounts including safe driver, paperless, anti-theft, paid in full, air bags, and group or association.
  • The Hartford has savings for anti-theft, defensive driver, driver training, vehicle fuel type, air bag, and bundle.
  • Farm Bureau may have discounts that include renewal discount, youthful driver, 55 and retired, good student, multi-policy, multi-vehicle, and driver training.
  • USAA policyholders can earn discounts including good student, safe driver, multi-policy, defensive driver, and family discount.

When getting a coverage quote, ask each company or agent what discounts are available to you. All car insurance discounts might not be offered in your area.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • How high should deductibles be on a 2006 Ford Freestar?
  • Is business property covered if stolen from my car?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered if I crash into my own garage door?
  • Do I need roadside assistance coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if I break a side mirror?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Coverage specifics

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Coverage for collisions

Collision insurance covers damage to your Freestar resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, hitting a mailbox, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability

Liability insurance will cover injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as structural damage, legal defense fees, medical expenses and emergency aid. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a deer, theft and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your 2006 Ford Freestar.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for funeral costs, surgery, doctor visits, dental work and hospital visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Saving money makes a lot of cents

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at the best possible price, not the least amount of coverage.

More affordable auto insurance is definitely available on the web and with local insurance agents, and you should compare rates from both to have the best selection. Some insurance companies may not have online quoting and most of the time these regional carriers prefer to sell through independent agents.

Throughout this article, we presented a lot of information how to lower your 2006 Ford Freestar insurance prices. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest prices come from some of the lesser-known companies. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Progressive and GEICO.

Additional information can be read at these links:

Comments About 2006 Ford Freestar Insurance

  1. Allen England

    It’s all a rip off. Lifelong resident of Dover, Delaware. Got prices from Liberty Mutual, American Family, Mercury, and a couple others for my Freestar and I’m now saving $39 a month. Are quotes cheaper online?

  2. Anibal Tillman

    Progressive was cheapest for my 2006 Ford Freestar in Warren, Michigan.

  3. Adelina Sherman

    Are custom wheels covered by insurance?

  4. Ariana Alford

    Proud to be from Knoxville, Tennessee. I got free rates from USAA, Amica, Liberty Mutual, and Mercury for my Freestar and saved $533 a year. Left GEICO to switch. I even had a DUI years ago. :)

  5. Lyla Lamb

    IMHO New Orleans, LA seems to have good rates from Progressive.

  6. So Underwood

    Are custom wheels covered by insurance?

  7. Constance Franco

    If you’re around Warren, MI try State Farm and Progressive and see which is cheaper.

  8. Shane Santos

    This is too expensive. Located in Huntington, WV. Got quotes with Progressive, GMAC, and Encompass for my 2006 Ford Freestar and I think I cut my rates about $30 each month. I used their website to get prices.