2007 Ford Freestar Insurance Cost

Looking for cheaper insurance coverage rates for your Ford Freestar? Nobody that owns a car likes having to buy insurance coverage, especially knowing they could find better rates elsewhere.

Vehicle owners have many auto insurance companies to choose from, and although it’s a good thing to have a selection, so many choices can make it hard to find the lowest rates.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to save some money using these methods. Although drivers do need to learn how the larger insurance companies compete online and apply this information to your search.

How to get the cheapest car insurance

There are several ways to obtain and compare prices from many available car insurance companies in your state. By far the easiest way to find competitive 2007 Ford Freestar insurance rates is to jump online and get quotes. This can be done in several different ways.

  1. If you are pressed for time, the simplest way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating boring form submissions for each company you want a rate for. One quote request will return price quotes from car insurance companies with the best prices.
  2. Another way to find better pricing is spending the time to visit each company website to complete a price quote. For sake of this example, let’s assume you need rates from Auto-Owners, Esurance and Liberty Mutual. You would need to spend time on each company’s site and punch in your information repeatedly, which explains why we recommend starting with the first method.

    For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing exactly the same coverage data on every price quote you get. If you enter mixed coverages you can’t possibly find the best deal for your Ford Freestar. Slightly different limits may result in large price differences. And when comparison shopping, obtaining a wide range of quotes helps increase your odds of locating a lower rate than you’re paying now. Some regional insurers cannot provide rate quotes online, so it’s important to compare prices from those companies as well.

Misconceptions in auto insurance advertisements

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads on TV and radio. They all seem to advertise claims that drivers can save some big amount if you change your coverage. It sounds good, but how can they all lower your rates? Here is the trick they use.

Many companies have a preferred profile for the type of insured that will most likely be profitable. For example, a profitable risk profile might have to be over age 30, has a clean driving record, and has excellent credit. Anybody who matches those parameters will get the preferred car insurance rates and have a good chance to cut their rates substantially.

Drivers who don’t measure up to the requirements will see higher premium rates and this results in business not being written. If you listen closely, the ads state “people that switch” but not “all drivers who get quotes” save that kind of money. This is how companies can truthfully advertise the savings. This really emphasizes why drivers must quote coverage with many companies. It’s just too difficult to predict which company will fit you best based on your risk profile.

Discounts for lower-cost auto insurance quotes

Insurance can be prohibitively expensive, but you might be missing out on some discounts that can help lower your rates. Some discounts will apply at the time of quoting, but occassionally some discounts must be requested specifically before they will apply. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Driver Education Discount – Teen drivers should participate in a local driver’s education class if it’s offered in school.
  • Safe Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote for Freestar coverage than drivers with accidents.
  • Homeowners Pay Less – Owning a house may trigger a policy discount on auto insurance since home ownership shows financial diligence.
  • Multi-policy Discount – If you can combine your homeowners and auto policy with one insurance company they may give you a discount of as much as 10 to 15 percent.
  • One Accident Forgiven – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm permit an accident before raising your premiums if you are claim-free for a specific time period.
  • Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.

It’s important to understand that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

A few companies that may include these benefits include:

If you need lower rates, check with each company or agent which discounts can lower your rates. Some credits may not be available in your area. For a list of insurance companies with discount rates, click here.

You may need specialized insurance coverage coverage

When choosing coverage, there really is not a best way to insure your cars. Every situation is different so your insurance should reflect that Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • Will filing a claim cost me more?
  • What is UM/UIM insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How can I find cheaper teen driver insurance?
  • Who is covered by my policy?
  • What is PIP insurance?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Coverage specifics

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for rehabilitation expenses, hospital visits, ambulance fees, surgery and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage covers damage to your Freestar resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, scraping a guard rail, backing into a parked car, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive protection

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, fire damage, damage from a tornado or hurricane, rock chips in glass and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability

Liability insurance protects you from damage that occurs to other people or property. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like structural damage, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 2007 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. This is the reason having UM/UIM coverage is a good idea.

Save for a rainy day

When getting auto insurance quotes online, do not reduce needed coverages to save money. There have been many cases where an insured cut full coverage only to regret at claim time that they should have had better coverage. Your objective should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

Throughout this article, we presented a lot of information how to compare 2007 Ford Freestar insurance rates online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

Much more information about auto insurance can be found at these links: