Lower Your 2006 Ford Freestyle Car Insurance Rates

Looking for lower auto insurance rates for your Ford Freestyle? Are you baffled by the number of auto insurance providers available to you? You’re not alone. People have so many providers to choose from that it is hard work to locate the lowest rates.

It’s a good idea to get comparison quotes every six months because auto insurance prices are usually higher with each renewal. Just because you had the best quotes on Freestyle coverage at your last renewal you can probably find a better rate now. Ignore everything you know about auto insurance because we’re going to show you the only way to save on auto insurance.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these techniques. Shopping for the cheapest protection can be fairly easy. But consumers must learn how insurance companies sell insurance online and take advantage of how the system works.

How much is insurance?

Effectively comparing insurance prices can be exhausting if you don’t know the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to get prices fast.

Most major companies belong to an insurance system that enables customers to only type in their quote data once, and each company can provide price quotes based on that data. This eliminates the need for quote forms for each company.

To enter your information into the quoting system, click here to open in new window.

The one downside to pricing coverage this way is buyers cannot specifically choose which insurance companies to get pricing from. If you prefer to choose specific providers to compare prices, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just try to use the exact same deductibles and coverage limits for each quote you get. If each company quotes higher or lower deductibles it will be very difficult to make a fair comparison for your Ford Freestyle. Even a minor difference in coverages may cause a big price difference. Just remember that comparing more company’s prices helps improve the odds of finding a lower rate.

Do you really save 40% when you switch?

Companies like State Farm and Allstate seem to constantly run television and radio advertisements. All the companies tend to make the same promise that drivers can save some big amount if you change to them. How do they all have lower policy pricing? It’s all in the numbers.

Many companies have an ideal profile for a prospective insured that will most likely be profitable. A good example of this type of insured might have to be over the age of 35, has never had a claim, and drives less than 10,000 miles a year. Anyone who matches those parameters will most likely get cheap prices and will also save if they switch.

Drivers who are not a match for the ideal profile may be required to pay a more expensive rate and this results in business going elsewhere. If you pay attention, the ads say “people that switch” but not “everyone who gets a quote” save money. This is how companies can make claims that they all have the best rates. This really illustrates why you really should get auto insurance quotes as often as possible. It’s impossible to know which company will give you lower prices than your current company.

What determines Ford Freestyle insurance prices?

Many things are used in the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, although some other factors are more obscure like your vehicle usage or your commute time.

Shown below are a few of the “ingredients” utilized by car insurance companies to help set your premiums.

• Choose high crash test ratings and save – Safer cars tend to have lower insurance rates. Vehicles engineered for safety reduce the chance of injuries and lower rates of occupant injuries means lower claim amounts and thus lower rates. If your Ford Freestyle has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
• Only buy what you need – There are many additional extra coverages that you can get tricked into buying when buying insurance coverage. Insurance for rental car coverage, high-cost glass coverage, and term life insurance may be wasting your money. You may think they are a good idea when talking to your agent, but your needs may have changed so remove them from your policy.
• A policy lapse can increase rates – Allowing your coverage to lapse can be a sure-fire way to increase your insurance coverage rates. In addition to paying higher premiums, getting caught without coverage will get you fines and jail time.
• Traffic violations drive up premiums – Only having one speeding ticket or other violation can increase the cost of insurance forty percent or more. Attentive drivers receive lower rates as compared to careless drivers. Drivers unfortunate enough to have careless citations such as reckless driving, hit and run or driving under the influence may be required to complete a SR-22 with the DMV in their state in order to prevent a license revocation.

Auto insurance discounts are available to reduce your rates

Auto insurance is neither fun to buy or cheap, but you may be missing some discounts that you may not know about. Some discounts apply automatically at the time of purchase, but some need to be specifically requested in order for you to get them.

• ABS and Traction Control Discounts – Cars with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
• Policy Bundle Discount – If you combine your home and auto policies with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
• Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
• Life Insurance Discount – Larger auto insurance companies have lower premium rates if you buy a life policy as well.
• College Student – College-age children who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
• Multiple Cars – Buying a policy with multiple cars on one policy can reduce rates for all insured vehicles.
• Discounts for Federal Employees – Active or former government employment may qualify for a discount when you quote auto insurance on Freestyle coverage with select insurance companies.
• Club Memberships – Being in a professional or civic organization is a good way to get lower rates on your bill.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Popular auto insurance companies and their offered discounts are outlined below.

• Geico policyholders can earn discounts including air bags, anti-lock brakes, defensive driver, good student, and anti-theft.
• SAFECO includes discounts for homeowner, drive less, anti-lock brakes, safe driver, and teen safety rewards.
• State Farm discounts include student away at school, good student, good driver, safe vehicle, accident-free, multiple autos, and Steer Clear safe driver discount.
• MetLife offers discounts including good student, multi-policy, good driver, claim-free, and accident-free.
• 21st Century may offer discounts for air bags, driver training, 55 and older, homeowners, defensive driver, and theft prevention.
• Progressive offers premium reductions for online signing, continuous coverage, homeowner, multi-policy, and multi-vehicle.

When getting free auto insurance quotes, it’s a good idea to every company what discounts are available to you. Depending on the company, some discounts might not be offered in your state.

Everyone needs different insurance coverage coverages

When buying the right insurance coverage, there really is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that can help discover if you could use an agent’s help.

• Do I have coverage when making deliveries for my home business?
• Why am I required to buy high-risk coverage?
• Is my state a no-fault state?
• How do I file an SR-22 for a DUI in my state?
• Can I drive in Mexico and have coverage?
• Exactly who is provided coverage by my policy?
• How can I find cheaper teen driver insurance?
• Should I waive the damage coverage when renting a car?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Car insurance coverages for a Ford Freestyle

Understanding the coverages of a auto insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability

This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as court costs, attorney fees and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, a tree branch falling on your vehicle, falling objects and rock chips in glass. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

This coverage covers damage to your Freestyle caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as ambulance fees, doctor visits, dental work, pain medications and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your 2006 Ford Freestyle.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Take this to the bank

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your goal is to buy the best coverage you can find for the lowest cost while still protecting your assets.

You just learned some good ideas how you can save on 2006 Ford Freestyle insurance. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding low cost auto insurance. Consumers could even find that the lowest premium rates come from the least-expected company.

Low-cost 2006 Ford Freestyle insurance can be bought online as well as from independent agents, so you need to shop auto insurance with both in order to have the best price selection to choose from. Some companies don’t offer rate quotes online and usually these small, regional companies prefer to sell through independent agencies.

More tips and info about car insurance can be read in these articles:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• Understanding Car Crashes Video (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Auto Crash Statistics (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)