How many times have you said it’s time to compare the cheapest Ford Freestar insurance in Phoenix? Paying for expensive Ford Freestar insurance in Phoenix can stress out your checking account and force you to make tough financial choices. Performing a price comparison can be a smart way to tighten up your finances.
Amazlingly, a recent NerdWallet.com study showed that nearly 70% of Arizona drivers have stayed with the same insurance company for a minimum of four years, and about 40% of consumers have never taken the time to shop around. Consumers in the United States could save themselves approximately $860 a year by just shopping around, but they just don’t understand how much money they would save if they replace their high priced policy. Due to the increasing number of choices of insurance companies that have cheaper insurance for a Ford Freestar in Phoenix, it’s difficult to find a more affordable auto insurance company.
You need to compare prices before your policy renews because rates fluctuate regularly. Just because you found the lowest premium rates on Ford Freestar insurance in Phoenix a couple years back you may be paying too much now. Forget anything you know (or think you know) about auto insurance because we’re going to show you the tricks you need to know to find lower rates on auto insurance.
How to find the cheapest Ford Freestar insurance in Phoenix, AZ
The majority of larger companies like Allstate and Progressive give pricing directly from their websites. Doing online quotes for Ford Freestar insurance in Phoenix is fairly straightforward as you simply enter your personal and coverage information into a form. Upon sending the form, their system automatically orders your driving record and credit report and provides a quote. Quoting online for Ford Freestar insurance in Phoenix makes it simple to compare prices and it’s absolutely necessary to compare as many rates as possible in order to get a lower rate.
If you want to compare rates using this form now, compare quotes from the companies shown below. If you have your current policy handy, we recommend you copy deductibles and limits just like they are on your policy. This helps ensure you’re receiving rate quotes based on the exact same insurance coverage.
The following companies provide free rate quotes in Phoenix, AZ. If multiple companies are listed, it’s a good idea that you click on several of them to get the best price comparison.
Cheap Phoenix car insurance quotes with discounts
Car insurance companies don’t always advertise every policy discount in a way that’s easy to find, so the list below contains a few of the more well known as well as some of the hidden credits that may apply to you.
- Government Employee Discount – Active or former government employment could cut as much as 10% off with a few car insurance companies.
- No Claim Discounts – Drivers with accident-free driving histories get the best car insurance rates as compared to frequent claim filers.
- Senior Citizen Rates – If you’re over the age of 55, you could receive a small discount on rates.
- Good Student Discount – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
- Home Ownership Discount – Just being a homeowner can help you save on car insurance because it requires personal responsibility.
- Air Bags and Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
- Savings for New Vehicles – Putting insurance coverage on a new Freestar can get you a discount due to better safety requirements for new model year vehicles.
- Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
As is typical with insurance, most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. Any qualifying discounts will cut your overall bill.
To see providers who offer free Ford Freestar insurance quotes in Arizona, follow this link.
Why you need car insurance
Even though Phoenix Freestar insurance rates can get expensive, car insurance serves a purpose in several ways.
First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your car has a lien holder, most banks will require you to buy full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Ford for a much higher rate and require you to pay for it.
Third, insurance protects both your Ford and your personal assets. Insurance will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay for a defense attorney if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the repair costs.
The benefits of having insurance are without a doubt worth the cost, particularly for liability claims. Today the average American driver is overpaying more than $800 each year so you should quote rates at every policy renewal to be sure current rates are still competitive.
How to know if you need help
When it comes to the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.
These are some specific questions could help you determine if your insurance needs might need professional guidance.
- Am I covered when driving someone else’s vehicle?
- Am I covered when driving on a suspended license?
- Is coverage enough to protect my assets?
- Do I pay less if my vehicle is kept in my garage?
- When does my teenage driver need to be added to my policy?
- How much underlying liability do I need for an umbrella policy?
- If my pet gets injured in an accident are they covered?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.
Do I need an insurance agency?
Some consumers prefer to have an agent’s advice and that is just fine! Agents can help determine the best coverages and give you someone to call. A nice benefit of comparing rates online is you may find lower rates and still have an agent to talk to. Buying insurance from neighborhood agents is definitely important in Phoenix.
By using this form (opens in new window), your insurance data is submitted to local insurance agents in Phoenix who will give you quotes to get your business. There is no need to even leave your home since rate quotes are delivered to you instantly. If for some reason you want to compare rates from a specific company, just visit that company’s website and give them your coverage information.
Pick the best auto insurance agent in Phoenix for you
When finding local Phoenix agents, it helps to know the two different types of agencies and how they are slightly different. Phoenix agents are considered either exclusive or independent (non-exclusive). Both types can sell and service auto insurance coverage, but it’s good to learn how they differ because it can factor into the kind of agent you use.
These type of agents can sell policies from many different companies so they can write business with an assortment of companies and help determine which has the cheapest rates. If prices rise, they simply switch companies in-house and you stay with the same agent. If you need cheaper auto insurance rates, you definitely need to get rate quotes from a few independent agents to get the best comparison.
Listed below is a list of independent insurance agents in Phoenix who can help you get rate quotes.
Exclusive Auto Insurance Agencies
Exclusive insurance agents have only one company to place business with and examples are Farmers Insurance, State Farm, or Allstate. These agents are not able to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive extensive training on what they offer which helps overcome the inability to quote other rates.
Listed below are exclusive agencies in Phoenix that are able to give comparison quotes.
Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 – View Map
Lula Smith – State Farm Insurance Agent
7217 S Central Ave – Phoenix, AZ 85042 – (602) 232-0793 – View Map
Choosing an car insurance agent is decision based upon more than just the bottom line cost. Here are some questions to ask:
- How long have they worked with personal auto insurance coverage?
- Does the agency provide any after hours assistance?
- Is their price quote a firm figure or are their hidden costs?
- What is their Better Business Bureau rating?
- Are they able to provide referrals?
- Do they offer rental car reimbursement?