2005 Ford Freestyle Car Insurance Rates – 9 Tips for Best Quotes

Trying to come up with a payment for high-priced insurance coverage can take a big chunk out of your monthly budget and force you to prioritize other expenses. Many insurers compete for your business, and it can be difficult to compare rates to find the absolute best rates possible.

Lower-cost auto insurance rates with discounts

Auto insurance companies do not advertise all possible discounts in an easy-to-find place, so below is a list some of the more common and the more hidden auto insurance savings.

  • Active Service Discounts – Having a deployed family member may lower your premium rates slightly.
  • Student Discount for Driver Training – Teen drivers should complete a driver education course if it’s offered in school.
  • Clubs and Organizations – Having an affiliation with certain professional organizations could qualify you for a break on auto insurance.
  • Multi-line Discount – Some insurance companies give a discounted rate on car insurance if you buy a life policy as well.
  • No Accidents – Insureds with no claims or accidents can earn big discounts compared to insureds who have frequent claims or accidents.
  • Telematics Data – Insureds that choose to allow companies to monitor where and when they drive by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they show good driving skills.
  • Save with More Vehicles Insured – Insuring all your vehicles on a single policy can get a discount on all vehicles.
  • Discount for Low Mileage – Maintaining low annual mileage could earn lower auto insurancerates due to less chance of an accident.
  • Safe Driver Discounts – Accident-free drivers can save as much as half off their rates for Freestyle insurance than their less cautious counterparts.

One last thing about discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. Even though it appears you can get free auto insurance, you aren’t that lucky.

A few of the larger companies and some of the discounts are outlined below.

  • Progressive has discounts for homeowner, continuous coverage, multi-policy, online quote discount, multi-vehicle, and online signing.
  • The Hartford includes discounts for anti-theft, good student, bundle, vehicle fuel type, driver training, air bag, and defensive driver.
  • Mercury Insurance may offer discounts for multi-policy, ease of repair, good driver, accident-free, good student, anti-theft, and multi-car.
  • Geico may have discounts that include multi-vehicle, emergency military deployment, seat belt use, membership and employees, military active duty, and good student.
  • AAA has savings for multi-car, multi-policy, good driver, anti-theft, AAA membership discount, good student, and education and occupation.
  • State Farm offers discounts including safe vehicle, defensive driving training, passive restraint, good student, and driver’s education.

Before purchasing a policy, check with every insurance company which discounts you qualify for. Some credits may not be offered in your area.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

  • Am I covered if hit by an uninsured driver?
  • Will filing a claim cost me more?
  • Why am I required to get a high-risk car insurance policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do all my vehicles need collision coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my state a no-fault state?
  • What happens if I owe more than my 2005 Ford Freestyle is worth?
  • Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Why you might not save $465 a year

Consumers can’t avoid all the ads for the lowest price car insurance by State Farm, Allstate and Geico. All the companies say the same thing that you can save if you just switch to them.

But how can every company claim to save you money? Here is how they do it.

Many companies quote their best rates for the driver that will most likely be profitable. A good example of a profitable risk profile could possibly be a female over age 40, carries full coverage, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” receive the lowest rate quotes and have a good chance to save a lot if they switch.

Potential insureds who are not a match for these criteria may be forced to pay higher prices which leads to the customer buying from a different company. The wording the ads use say “people who switch” not “everyone that quotes” save money. That’s why insurance companies can advertise the savings.

This really illustrates why you really need to compare free auto insurance quotes often. It is impossible to guess which car insurance company will have the lowest rates for your situation.

Insurance specifics

Knowing the specifics of insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability 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. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like structural damage, medical services, attorney fees and medical expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like X-ray expenses, nursing services and doctor visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Ford Freestyle.

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. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

This coverage pays for damage to your Freestyle 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 can pay for claims such as driving through your garage door, sideswiping another vehicle, crashing into a ditch, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, fire damage and vandalism. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

In the end, you save

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured cut uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

Throughout this article, we presented a lot of techniques to reduce 2005 Ford Freestyle insurance prices online. The key concept to understand is the more providers you compare, the higher your chance of finding cheap auto insurance. Consumers may even find the lowest prices are with a company that doesn’t do a lot of advertising. Some small companies often have lower rates on specific markets than their larger competitors like Allstate, Geico and Progressive.

Some insurance providers may not offer rate quotes online and usually these smaller providers work with independent agents. The cheapest 2005 Ford Freestyle insurance can be bought online in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection.

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