How Much Does 2006 Ford Freestar Car Insurance Cost?

Are you drained from scraping the payment together to pay your insurance coverage bill each month? You have the same problem as many other consumers.

Companies like State Farm, Progressive and GEICO all claim big savings, bombarding you with TV and radio ads and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

If you currently have car insurance, you will be able to lower your premiums substantially using this information. Finding the best rates is quite easy. But vehicle owners do need to know the methods companies use to sell online.

Lower-cost insurance rates with discounts

Insurance is not an enjoyable expense, but there may be some discounts that could drop your premiums quite a bit. Some discounts will apply when you get a quote, but some must be asked about before you get the savings.

  • Policy Bundle Discount – If you combine your auto and home policies with the same insurance company they may give you a discount of up to 20% and get you the cheapest car insurance.
  • Good Student – Maintaining excellent grades may save you up to 25%. The discount lasts until age 25.
  • Government Employees – Active or former government employment can earn a discount up to 10% for Freestar coverage depending on your company.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices can help prevent theft so companies will give you a small discount.
  • Service Members Pay Less – Being on active deployment in the military could qualify you for better insurance rates.
  • Professional Memberships – Being a member of a professional or civic organization may earn a discount when getting a car insurance quote.
  • Onboard Data Collection – People who choose to allow companies to spy on when and where they use their vehicle by using a telematic data system like Allstate’s Drivewise may see discounts if their driving habits are good.
  • Driver’s Education for Students – Have your child take driver’s ed class as it will make them better drivers and lower rates.
  • Payment Method – By making one initial payment instead of paying each month you could save 5% or more.

You should keep in mind that many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. Even though it may seem like you could get a free insurance policy, nobody gets a free ride.

Some of the larger companies that may offer quotes with some of the discounts shown above are:

If you need lower rates, check with each insurance company which discounts can lower your rates. Savings may not be offered in your area.

How to lower your insurance coverage cost

Many insurance companies give insurance quotes online. Getting online quotes is quite simple as you just enter the amount of coverage you want into a form. Upon sending the form, the company’s rating system gets your credit score and driving record and returns a price quote. This makes it simple to compare prices but the time it takes to visit many different websites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you are searching for lower prices.

A less time-consuming method to compare insurance coverage pricing makes use of a single form that analyzes rates from more than one company. This type of form saves time, reduces the work, and makes price shopping online much more efficient. Immediately after submitting the form, it is rated with multiple companies and you can pick any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. It can be completed in less than 10 minutes and you will know how your current rates stack up.

In order to compare pricing, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend that you enter the coverages identical to your current policy. This makes sure you will receive a fair comparison for similar insurance coverage.

Learn how to find insurance at a discount

Many different elements are part of the calculation when premium rates are determined. Some factors are common sense like a motor vehicle report, although some other factors are more transparent such as your credit history and annual miles driven.Part of the insurance buying process is learning some of the factors that help determine your premiums. If you understand what determines base rates, this enables you to make decisions that can earn you much lower annual insurance costs.

  • Women tend to cost less – Statistics demonstrate that females take fewer risks when driving. However, this does not mean females are better drivers. Men and women cause auto accidents at about the same rate, but males cause more damage. Not only that, but men also receive more costly citations like DWI (DUI) or reckless driving. Males from age 16 to 21 are several times more likely to be in an accident and therefore have the most expensive insurance rates.
  • Rates and occupation – Careers like military generals, business owners and miners are shown to have higher rates than the rest of us attributed to intense work-related stress and lengthy work days. Conversely, occupations such as scientists, students and the unemployed get better rates for Freestar coverage.
  • Small claims can cost you – If you frequently file small claims, you should expect much higher rates or policy non-renewal. Companies award discounts to drivers who are not frequent claim filers. Insurance coverage is designed for major claims that would cause financial hardship.
  • Having a spouse is a good thing – Walking down the aisle may cut your premiums when buying insurance. Having a significant other may mean you are more mature it has been statistically shown that being married results in fewer claims.
  • Your address can push rates up or down – Having an address in a small town can be a good thing if you are looking for the lowest rates. Fewer people means reduced accidents in addition to fewer liability claims. Drivers in populated areas regularly have more auto accidents and more severe claims. More time on the road translates into higher accident risk.
  • Insure your auto and home with one company – Most insurance companies allow discounts to customers that purchase more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, you still need to comparison shop to confirm you are receiving the best rates possible. You may still find lower rates even if you have your coverage with different companies
  • Drive less and get lower prices – The more you drive in a year the higher your rate. Most companies calculate prices partially by how you use the vehicle. Vehicles that have low annual miles can be on a lower rate level compared to those used for work or business. An improperly rated Freestar is just wasting money. It’s a smart idea to ensure your vehicle rating states annual mileage, because improper ratings can cost you money.

Tailor your insurance coverage to you

When it comes to choosing coverage, there really is not a one size fits all plan. Every situation is different so this has to be addressed. For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Does insurance cover tools stolen from my truck?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my teen drive my company car?
  • Does insurance cover damages from a DUI accident?
  • Who is covered by my policy?
  • Can I still get insurance after a DUI?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why am I required to buy liability insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Advertising myths

Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all have a common claim that you can save if you move your auto insurance coverage to their company. How does every auto insurance company give you a lower rate? It’s all in the wording.

Insurance providers require specific criteria for the type of driver that makes them money. For example, this type of risk profile could possibly be over age 30, has a clean driving record, and drives less than 5,000 miles a year. Anyone that meets those criteria will probably get cheap prices and will also cut their rates substantially.

Potential customers who don’t meet the “perfect” profile will have to pay a higher premium and ends up with business not being written. The trick companies use is to say “drivers who switch” not “everyone who quotes” save the amount stated. That’s the way insurance companies can confidently make those statements. Each company has different criteria, so you absolutely need to get price quotes at each policy renewal. You cannot predict with any certainty which company will give you lower premium rates than your current company.

Auto insurance policy specifics

Having a good grasp of auto insurance helps when choosing the right coverages for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.

Collision coverage protection

Collision insurance will pay to fix damage to your Freestar resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability coverage

This coverage protects you from damage or injury you incur to other’s property or people in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like pain and suffering, emergency aid and loss of income. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like chiropractic care, prosthetic devices, funeral costs and EMT expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, damage from getting keyed, hitting a deer, a broken windshield and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Freestar.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Shop smart and save

As you quote car insurance, never buy less coverage just to save a little money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits and learned later that it was a big error on their part. The goal is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

We just showed you a lot of techniques to save on 2006 Ford Freestar insurance. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may be surprised to find that the biggest savings come from a small mutual company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

A few companies don’t offer price quotes online and most of the time these small insurance companies sell through local independent agencies. More affordable insurance is possible from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates.

Additional information can be found below: