Protecting Your Ford Freestyle Just Got A Whole Lot Cheaper

Are you regretting buying overpriced auto insurance? Believe me, there are a lot of people just like you who feel imprisoned by their auto insurance policy. Many car insurance companies compete to insure your vehicles, so it’s not easy to compare every company and get the definite cheapest price

If you are paying for car insurance now, you will be able to reduce your rates substantially using these tips. Choosing the best insurance company for you is easy if you know what you’re doing. Although vehicle owners can benefit by having an understanding of how the larger insurance companies compete online.

There are multiple methods to compare auto insurance quotes, but some are easier and takes less work. You can waste hours talking to insurance agencies in your area, or you could save time and use the internet to get prices fast.

All the larger companies participate in a marketplace that enables customers to send in one quote, and each participating company can give them a price based on that information. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To participate in this free quote system, click here to open in new window.

The one disadvantage to getting quotes like this is you are unable to specify which carriers to get quotes from. So if you want to choose from a list of companies to compare rates, we put together a list of auto insurance companies in your area. Click to view list.

Take whichever approach you prefer, but compare the same coverage limits and deductibles for every quote you compare. If you are comparing different data it will be impossible to make a fair rate comparison. Slightly different coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that having more price comparisons helps improve the odds of finding the best rates.

Use discounts to get cheaper auto insurance quotes

Some companies do not list every discount in an easy-to-find place, so the below list has a few of the more common and the harder-to-find credits available to you.

• Distant Student Discount – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.
• Early Payment Discounts – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
• Bundled Policy Discount – When you combine your homeowners and auto insurance with the same company you could get a discount of nearly 15% which can help you find .
• Safety Restraint Discount – Drivers who require all vehicle occupants to fasten their seat belts can save a little off PIP or medical payments premium.
• Low Mileage Discounts – Fewer annual miles on your Ford could qualify for slightly better auto insurancerates than normal.
• Smart Student Discounts – Excelling in school can earn a discount of 20% or more. The discount lasts well after school through age 25.

Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, companies don’t profit that way.

A few popular companies and a summarized list of policyholder discounts are included below.

• State Farm offers discounts for accident-free, safe vehicle, defensive driving training, passive restraint, Steer Clear safe driver discount, and student away at school.
• GEICO offers premium reductions for anti-theft, membership and employees, good student, air bags, emergency military deployment, and federal employee.
• Liberty Mutual has savings for newly retired, good student, teen driver discount, new move discount, and new graduate.
• The Hartford may include discounts for driver training, anti-theft, defensive driver, good student, and vehicle fuel type.
• MetLife discounts include claim-free, good driver, defensive driver, good student, and accident-free.
• Progressive may offer discounts for online quote discount, continuous coverage, good student, online signing, multi-policy, multi-vehicle, and homeowner.

When quoting, ask every insurance company which credits you are entitled to. Some discounts listed above may not apply to policies in your area. To see companies with discount rates, click here.