View 2006 Ford Freestyle Car Insurance Quotes

Want the cheapest insurance coverage rates for your Ford Freestyle? Are you sick and tired of scraping the payment together to pay your car insurance bill each month? Your situation is no different than many other drivers.

Drivers have multiple car insurance companies to buy insurance from, and although it’s a good thing to have a choice, it can be more challenging to find the best rates.

Where Can I Get Cheap Insurance Coverage?

Comparing insurance coverage rates is a ton of work if you don’t understand the easiest way. You can waste hours discussing policy coverages with local insurance agents in your area, or you could use online quotes to achieve your goal.

Most major companies participate in a marketplace where prospective buyers send in one quote, and each participating company returns a rated price based on the submitted data. This system prevents you from having to do quotation requests for each company.

To get comparison pricing now click here (opens in new window).

One minor caviat to pricing coverage this way is buyers cannot specifically choose which providers to receive prices from. If you would rather choose specific insurance companies to compare rates, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

Whichever method you choose, double check that you are using exactly the same coverages and limits for each price quote. If you are comparing different values for each quote it will be next to impossible to make an equal comparison. Just a small difference in limits can mean a large discrepancy in price. And when quoting insurance coverage, remember that quoting more helps locate lower pricing.

Do drivers who switch really save $449 a year?

Companies like Allstate, Geico and Progressive continually stream television and radio advertisements. All the ads have a common claim of big savings after switching your coverage to them. How do they all make the same claim?

Different companies are able to cherry pick for the type of driver that makes them money. For instance, a profitable customer might be profiled as between 30 and 50, a clean driving record, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will get the preferred rates and therefore will save when they switch companies.

Drivers who do not match the requirements will be quoted a higher premium and this can result in the customer not buying. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can truthfully state the savings.

This emphasizes why you should get as many comparisons as possible. It is impossible to predict the company that will give you the biggest savings on Ford Freestyle insurance.

Don’t miss these discounts

Insuring your vehicles can cost a lot, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but a few need to be specially asked for before you will receive the discount.

  • Claim Free – Claim-free drivers can earn big discounts when compared to frequent claim filers.
  • Accident Forgiveness – Certain companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Memberships – Participating in a qualifying organization could trigger savings on your policy for Freestyle insurance.
  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • E-sign – Certain companies may give you up to $50 simply for signing over the internet.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Freestyle insurance with a few insurance companies.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. So when it seems like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will help reduce your premiums.

A partial list of companies that may offer these discounts include:

Before buying, ask each company which discounts they offer. Savings may not be available in every state.

When might I need help?

When it comes to buying the best insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For example, these questions could help you determine if you might need an agent’s assistance.

  • Is my custom paint covered by insurance?
  • What can I do if my company won’t pay a claim?
  • What is the minimum liability in my state?
  • Does insurance cover damages from a DUI accident?
  • Does liability extend to a camper or trailer?
  • Does my policy pay for OEM or aftermarket parts?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

What auto insurance coverages do you need?

Knowing the specifics of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most auto insurance policies.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, hitting a parking meter, scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2006 Ford Freestyle.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills for things like pain medications, ambulance fees and chiropractic care. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage – This coverage will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair bills for other people’s vehicles, repair costs for stationary objects, bail bonds and medical services. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, damage from a tornado or hurricane, falling objects and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

In Summary

In this article, we covered quite a bit of information on how to get a better price on 2006 Ford Freestyle insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the lowest premiums are with a smaller regional carrier. Smaller companies may only write in your state and offer lower rates compared to the large companies like Progressive or Geico.

When shopping online for insurance, make sure you don’t reduce needed coverages to save money. There are many occasions where someone dropped collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Additional detailed information can be read in these articles: