How many times have you said it’s time to compare more competitive Ford Freestar insurance in Austin? Did you make the mistake of buying high-priced Ford Freestar insurance in Austin? It’s a common feeling and many Austin consumers are in the same pinch.
It’s astonishing, but the vast majority of consumers kept buying from the same company for four years or more, and approximately 38% of consumers have never even compared quotes to find lower-cost rates. Consumers in Austin could cut their rates by roughly 70% a year just by comparing rates, but they don’t believe the actual amount they would save if they moved their coverage to a different company. Because there are so many different company options, it is hard for the average consumer to choose a more affordable company.
You should make it a habit to do rate comparisons once or twice a year because auto insurance rates tend to go up over time. Even if you got the lowest rate on Ford Freestar insurance in Austin last year a different company probably has better prices today. There is too much inaccurate information about Freestar insurance out there, but in this article, you’re going to get some guaranteed methods to lower your auto insurance premiums.
Our objective in writing this article is to let you in on how insurance works and some tips to save money. If you are insured now, you will most likely be able to reduce premiums using the following tips. Smart shoppers just need to know the most efficient way to buy auto insurance from many companies at once.
Ford Freestar insurance quotes comparison
The companies shown below are our best choices to provide price quotes in Texas. If several companies are displayed, it’s a good idea that you visit several of them to find the most affordable auto insurance rates.
Do you qualify for discounts on Ford Freestar insurance in Austin?
Car insurance is not cheap nor is it fun to buy but you may be missing some discounts that can help lower your rates. Most are applied at quote time, but a few need to be asked about prior to receiving the credit. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.
- Austin Homeowners Pay Less – Owning a house in Austin may earn you a small savings because maintaining a house requires a higher level of personal finance.
- Multiple Vehicles – Insuring primary and secondary vehicles on one policy may reduce the rate for each vehicle.
- Safe Driver Discounts – Safe drivers may receive a discount up to 45% than drivers with accidents.
- Drive Less and Save – Fewer annual miles on your Ford can qualify you for discounted car insurance rates on garaged vehicles.
- Military Rewards – Having an actively deployed family member could be rewarded with lower car insurance rates.
- Policy Bundle Discount – If you can combine your auto and home policy and insure them both with the same insurance company you could get a discount of up to 20% and get you inexpensive Ford Freestar insurance in Austin.
- Paper-free Discount – Certain companies may give you up to $50 for buying your policy digitally online.
- Anti-theft System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Austin car insurance quote.
- Senior Discount – Drivers that qualify as senior citizens may qualify for better car insurance rates.
Remember that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.
To find car insurance companies with the best Ford Freestar insurance discounts in Austin in Austin, follow this link.
Local insurance agents
Some consumers still like to go talk to an agent and that is a smart decision Professional insurance agents are trained risk managers and will help you if you have claims. One of the benefits of getting free rate quotes online is that drivers can save money and get better rates but also keep your business local. Buying from local agents is definitely important in Austin.
Upon completion of this short form, the coverage information is instantly submitted to participating agents in Austin who will give you quotes for your business. It makes it easy because there is no need to search for any insurance agencies since rate quotes are delivered instantly to you. If you have a need to get a rate quote from one company in particular, you would need to search and find their rate quote page and submit a quote form there.
The difference between Austin auto insurance agents
If you would like to find a reputable insurance agent or broker, it’s helpful to know the types of insurance agents and how they work. Auto insurance policy providers can be categorized as either independent or exclusive depending on the company they work for. Both sell affordable auto insurance policies, but it’s important to point out why they differ because it can influence which type of agent you select.
Independent agencies do not write with just one company and that gives them the ability to insure with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they can switch companies in-house which is easy for the insured.
When comparing rate quotes, you definitely need to check rates from at least one independent agent to maximize your price options.
Shown below is a short list of independent agents in Austin who can help you get free price quotes.
Exclusive Auto Insurance Agencies
These agents can only provide pricing for a single company like Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide prices from multiple companies so always compare other rates. Exclusive agents are usually well trained in insurance sales which can be an advantage.
Below is a short list of exclusive agents in Austin that can give you price quote information.
J B Ruebsahm – State Farm Insurance Agent
1901 W William Cannon Dr #131 – Austin, TX 78745 – (512) 444-1845 – View Map
Finding the right auto insurance agent requires you to look at more than just a cheap price quote. Before buying a policy in Austin, get answers to these questions.
- Do they have a Better Business Bureau rating in Austin?
- How long have they worked with personal auto insurance coverage?
- Is there a local claims center in Austin?
- Are they paid to recommend certain coverages?
- Is the agent properly licensed in Texas?
When do I need an agent’s advice?
When it comes to your policy for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply.
Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.
- Where can I find high-risk insurance?
- Will my insurance pay for OEM parts?
- Does my policy cover me when driving someone else’s vehicle?
- How high should my uninsured/underinsured coverage be in Texas?
- What happens if I owe more than my Ford Freestar is worth?
- What are the liability requirements in my state?
- Do I need PIP coverage since I have good health insurance?
- Does car insurance cover theft of personal property?
- Do I really need UM/UIM coverage?
If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.
Cut Insurance Costs with These Tips
When buying auto insurance it’s important to understand the different types of things that are used to determine the level of your policy premiums. When you understand what controls the rates you pay, this allows you to make good choices that can earn you big savings.
- Premiums increase with policy add-ons – Insurance policies have a lot of optional add-on coverages you can purchase when buying auto insurance. Coverages like vanishing deductibles, high-cost glass coverage, and extra life insurance coverage may be wasting your money. They may seem good when buying your policy, but your needs may have changed so remove them and pocket the money.
- Car insurance liability insurance limits – Liability insurance is the protection if a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
- Less chance of injury means lower auto insurance rates – Vehicles that have high safety ratings get lower rates. Safe vehicles result in less severe injuries and better occupant protection means your insurance company pays less and more competitive rates for policyholders. If your Ford is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
- A good credit rating can save money – Having a bad credit score is a large factor in determining premium rates. If your credit score can use some improvement, you could pay less to insure your Ford Freestar if you clean up your credit. Consumers who have excellent credit tend to be better risks to insure as compared to drivers with poor credit.
- Your location is a factor – Being located in small towns and rural areas can save you money when talking about auto insurance. City drivers have congested traffic and longer commutes to work. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
- High coverage deductibles reduce rates – Comprehensive and collision coverage deductibles tell how much you are willing to pay before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of covered claims would be colliding with a stationary object, vandalism, or theft of your vehicle. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
Why do I need car insurance?
Even though it can be expensive, buying car insurance is required in Texas but it also protects you in many ways.
- Most states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability insurance in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Ford Freestar, almost all lenders will make it mandatory that you carry insurance to guarantee their interest in the vehicle. If the policy lapses, the bank will be required to insure your Ford at a much higher rate and force you to reimburse them a much higher amount than you were paying before.
- Car insurance preserves both your assets and your car. It will also reimburse you for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability coverage also pays for attorney fees and expenses if you are sued as the result of your driving. If you have damage to your Ford as the result of the weather or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of insuring your Freestar are definitely more than the cost, particularly if you ever have a claim. According to a recent study, the average American driver is overpaying over $810 a year so you should quote and compare rates once a year at a minimum to make sure the price is not too high.
Don’t give up on cheaper rates
As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. There have been many situations where drivers have reduced collision coverage and learned later that it was a big mistake. The goal is to buy the best coverage you can find for the lowest cost, not the least amount of coverage.
There are still a few companies who do not provide internet price quotes and most of the time these small insurance companies sell through independent agencies. Budget-conscious Ford Freestar insurance can be purchased online and from local insurance agents, so you should compare both to have the best rate selection.
Additional information can be found on the following sites:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Who Has Cheap Austin Auto Insurance Quotes for a School Permit? (FAQ)
- Who Has Affordable Austin Car Insurance Quotes for 16 Year Olds? (FAQ)
- Who Has the Cheapest Austin Car Insurance for a Toyota Tacoma? (FAQ)
- What Insurance is Cheapest for Felons in Austin? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Anti-Lock Brake FAQ (iihs.org)