2007 Ford Freestyle Car Insurance Rates

Trying to find cheaper auto insurance rates for your Ford Freestyle? Searching for cheaper insurance for a Ford Freestyle can turn out to be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are both good and bad ways to buy auto insurance so we’re going to tell you the best way to quote coverages for your Ford and get the lowest possible price either online or from local insurance agents.

It is always a good idea to do rate comparisons every six months because prices tend to go up over time. Just because you found the best price on Freestyle coverage a few years ago you may be paying too much now. There is a lot of bad advice regarding auto insurance online, so I’m going to show you some guaranteed methods to find affordable auto insurance.

Vehicle Insurance Comparison

Getting better 2007 Ford Freestyle insurance coverage pricing can be surprisingly simple. All you need to do is take time comparing rate quotes from different insurance companies. This can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This form saves time by eliminating repetitive form submissions for each company you want a rate for. Completing one form gets rate comparisons instantly. This is perfect if you don’t have a lot of time.
  2. A different way to get comparison quotes is to take the time to go to each company’s website to complete a price quote. For examples sake, we’ll pretend you want comparison quotes from Geico, State Farm and Allstate. To get each rate you have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

  3. The most time-consuming method of getting rate comparisons is driving around to insurance agents’ offices. Shopping for insurance coverage online makes this process obsolete unless you have a need for the personal advice only provided by licensed agents. It is possible to compare the best prices online and still use a local agent.

Whichever way you use, ensure you are comparing exactly the same coverage information for every quote you compare. If you are comparing different liability limits it will be impossible to truly determine the lowest rate.

Discounts on Ford Freestyle insurance

Companies that sell car insurance don’t necessarily list every discount very clearly, so we researched both the well known and also the lesser-known insurance savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear prior to the accident.
  • Driver’s Ed – Have your child take driver’s ed class if it’s offered in school.
  • New Car Discount – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Homeowners Discount – Being a homeowner can help you save on insurance due to the fact that maintaining a home shows financial diligence.

Keep in mind that most discount credits are not given to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

For a list of providers offering insurance discounts, click this link.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions may help you determine if you may require specific advice.

  • What is the ISO rating for a 2007 Ford Freestyle?
  • Is upholstery damage covered by car insurance?
  • When does my teenage driver need to be added to my policy?
  • Will my rates increase for filing one claim?
  • What is no-fault insurance?
  • Is motorclub coverage worth it?
  • Am I getting all the discounts available?
  • What is UM/UIM insurance?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Factors determining your Ford Freestyle insurance premium

It’s important that you understand the different types of things that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with big savings.

  • Your car’s features help determine rates – Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Bundling policies can get discounts – Most insurance companies will give a discount to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you’re getting this discount it’s in your best interest to comparison shop to make sure you are getting the best deal. You may still be able to find better rates by insuring with multiple companies.
  • Liability coverage is cheap – The liability section of your policy is the coverage that protects you in the event that you are found liable for damages from an accident. Liability provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Policy add-ons can waste money – There are a ton of extra coverages you can purchase on your 2007 Freestyle policy. Insurance for roadside assistance, better glass coverage and motor club memberships may be wasting your money. These may sound like a good investment when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
  • Safer occupants lowers premiums – Cars with high safety ratings are cheaper to insure. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your Ford Freestyle has ratings of a minimum four stars on Safercar.gov you may qualify for a discount.
  • Your spouse saves you money – Being married actually saves money when buying auto insurance. Marriage is viewed as being more mature and statistics show being married results in fewer claims.

Insurance coverages 101

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability coverage – Liability coverage provides protection from damage that occurs to a person or their property. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like funeral expenses, repair costs for stationary objects, loss of income and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Freestyle.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills for things like X-ray expenses, EMT expenses, chiropractic care and doctor visits. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from getting keyed and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Save your cold hard cash

When you buy insurance online, it’s very important that you do not buy less coverage just to save a little money. Too many times, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage at a price you can afford.

We just showed you some good ideas how to save on 2007 Ford Freestyle insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with the smaller companies.

Consumers change insurance companies for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, unfair underwriting practices or even policy cancellation. It doesn’t matter what your reason, finding a new company can be easy and end up saving you some money.

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