2006 Ford Freestar Insurance Quotes – 7 Policy Discounts

No one in their right mind looks forward to buying car insurance, especially knowing the cost is too high.

Drivers have so many insurance companies to purchase coverage from, and even though it’s nice to have a selection, so many choices can make it hard to compare rates.

Finding affordable coverage is not rocket science. In a nutshell, everyone who shops for auto insurance will most likely be able to find lower rates. But drivers can benefit from knowing how big insurance companies market insurance on the web because it can help you find the best coverage.

Insurance Coverage Quote Comparison

Shopping for lower insurance coverage rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You could spend your day driving to agents in your area, or you could use the internet to maximize your effort.

Many insurance companies belong to an insurance system where insurance shoppers only type in their quote data once, and each company then returns a price quote based on that data. This saves time by eliminating quote forms for each company.

To compare 2006 Ford Freestar rates using this form now click here to start a free quote.

The single downside to using this type of system is buyers cannot specifically choose which insurance companies to receive prices from. So if you want to choose individual companies to receive pricing from, we put together a list of insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverage limits for each comparison quote. If you compare unequal deductibles or liability limits you can’t possibly find the best deal for your Ford Freestar. Having just a slight variation in coverage limits can make a big difference in price. And when price shopping your coverage, comparing a large number of companies helps you find a lower rate.

Cut your insurance rates with these seven discounts

Companies that sell car insurance don’t necessarily list all their discounts very clearly, so we researched both well-publicized and the harder-to-find ways to save on insurance.

  • Sign Online – A few companies will discount your bill up to fifty bucks simply for signing online.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in school.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Freestar insurance with select insurance companies.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get reduced rates for Freestar insurance.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way.

Car insurance companies who might offer these discounts may include but are not limited to:

Before buying, ask every prospective company how you can save money. Savings might not apply everywhere.

You are unique and your auto insurance should be too

When choosing the best auto insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might point out if you might need an agent’s assistance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When should I drop full coverage on my 2006 Ford Freestar?
  • Am I covered when driving someone else’s vehicle?
  • Is extra glass coverage worth it?
  • Do I need roadside assistance coverage?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions, then you may want to think about talking to 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 auto insurance companies in your area.

Coverage specifics

Learning about specific coverages of your auto insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most auto insurance policies.

Insurance for medical payments – Med pay and PIP coverage kick in for bills such as doctor visits, ambulance fees, X-ray expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 2006 Ford Freestar.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for liability – Liability insurance can cover damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like repair costs for stationary objects, medical services, bail bonds, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, theft, damage from flooding, a broken windshield and damage from getting keyed. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision insurance pays for damage to your Freestar resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.