View 2004 Ford Freestar Car Insurance Quotes

Want the cheapest car insurance rates for your Ford Freestar? Comparing and finding more affordable premium rates for Driverscar insurance can be very difficult for people not familiar with comparing prices online. With such a large number of agents and companies in the marketplace, it can easily become a big hassle to find the best premium rates.

These discounts can lower insurance rates

Car insurance is not cheap, but there could be significant discounts that may help make it more affordable. Certain credits will be shown at the time you complete a quote, but a few must be asked for prior to receiving the credit.

  • Professional Organizations – Belonging to a civic or occupational organization can get you a small discount on your policy.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you better premium rates if you take out auto and life insurance together.
  • College Student – Older children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Senior Citizen Rates – Drivers that qualify as senior citizens can possibly qualify for reduced rates on Freestar coverage.
  • Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Discounts for New Vehicles – Buying a new car model can save you some money because newer vehicles are generally safer.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates you could get a free insurance policy, you aren’t that lucky.

If you would like to choose from a list of insurers with discount insurance rates, click here.

Buy auto insurance online

The majority of larger companies provide pricing directly from their websites. Comparing rates online is pretty easy as you just enter as detailed in the form. After you submit the form their quoting system will obtain reports for credit and driving violations and quotes a price based on the data you entered.

Online price estimates makes it easy to compare insurance prices but the time it takes to visit different websites and type in the same data is not the best way to spend an afternoon. But it’s also necessary to get many rate quotes if you want to get a lower rate.

Compare rates the easy way

A less time-consuming method to lower your auto insurance bill uses one form to get prices from a bunch of companies at once. This type of form saves time, reduces the work, and makes online shopping a lot less work. As soon as the form is sent, it is rated and you are able to buy your choice of the resulting price quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process just takes a couple of minutes and you’ll know if lower rates are available.

In order to compare rates now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you enter just like they are on your policy. Using the same limits helps guarantee you will have an apples-to-apples comparison for exact coverage.

Find lower-cost car insurance with these tips

An important part of buying insurance is that you know the rating factors that go into determining your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that could result in cheaper rates. Lots of things are part of the calculation when quoting car insurance. Some factors are common sense such as traffic violations, but some are more transparent such as your marital status or how financially stable you are.

  • Insure your auto and home with one company – Some car insurance companies allow better rates to customers that buy multiple policies in the form of a multi-policy discount. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, you still need to compare other company rates to help guarantee you have the best rates.
  • If you don’t need it don’t buy it – There are many additional coverages that can add up on your car insurance policy. Coverages for rental car coverage, death and dismemberment, and extra life insurance coverage may be wasting your money. These may sound like a good investment initially, but if you’ve never needed them in the past remove them from your policy.
  • High credit scores equal low premiums – Credit history can be an important factor in determining premium rates. Insureds that have excellent credit scores tend to be better risks to insure than those with poor credit scores. Therefore, if your credit history can be improved, you could be paying less to insure your 2004 Ford Freestar by improving your credit score.
  • File car insurance claims and pay more – If you file a lot of claims you can expect higher rates. Car insurance companies give the best rates to insureds who are claim-free. Your car insurance is intended for major claims that would cause financial hardship.
  • Traffic violations cost more than a fine – Only having one citation may cause rates to rise to the point where it’s not affordable. Careful drivers get better rates than people who have multiple driving citations. Drivers unfortunate enough to have license-revoking violations such as DUI or reckless driving may face state-mandated requirements to submit a SR-22 form with the DMV in their state in order to legally drive a vehicle.
  • Women tend to be lower risk – Statistics demonstrate that females take fewer risks when driving. However, don’t assume that women are BETTER drivers than men. Males and females tend to get into fender benders in similar percentages, but the males cause more damage and cost insurance companies more money. Not only that, but men also have more aggressive citations such as reckless driving. Young men ages 16 to 20 tend to get in the most accidents and are penalized with high car insurance rates.
  • Car insurance liability limits – The liability section of your policy is the protection when you are found to be at fault for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should carry high limits.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can help discover if your insurance needs would benefit from professional advice.

  • Are my friends covered when driving my car?
  • Who is covered when they drive my 2004 Ford Freestar?
  • How high should deductibles be on a 2004 Ford Freestar?
  • What are the best liability limits?
  • Do I need roadside assistance coverage?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverages explained

Understanding the coverages of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Liability coverages

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as legal defense fees, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses like dental work, doctor visits, prosthetic devices and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays for damage to your Freestar caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, damage from a tornado or hurricane and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2004 Ford Freestar.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

More quotes mean more savings

We’ve covered many ways to save on 2004 Ford Freestar insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding inexpensive insurance. You may even find the lowest rates come from a smaller regional carrier.

A few companies may not offer rate quotes online and most of the time these regional carriers prefer to sell through independent insurance agencies. More affordable insurance coverage can be bought online as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. There have been many cases where an insured cut liability limits or collision coverage only to regret at claim time that it was a big mistake. Your goal is to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

More information is available below: