It’s a known fact that insurance companies don’t want you to look for cheaper rates. Insureds who shop around for cheaper rates are likely to switch companies because there is a high probability of finding a cheaper policy. A study showed that people who routinely shopped for cheaper coverage saved on average $72 a month as compared to drivers who never shopped around for lower prices.
If finding discount rates on Ford Freestar insurance is the reason you’re reading this, then having some insight into how to get rate quotes and compare car insurance can save time and make the process easier.
The recommended way to find affordable Ford Freestar insurance is to make a habit of comparing prices annually from companies who provide car insurance in Madison.
- Step 1: Learn about how insurance works and the things you can control to keep rates in check. Many risk factors that increase rates such as distracted driving and a negative credit rating can be eliminated by improving your driving habits or financial responsibility.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can provide prices from multiple insurance companies.
- Step 3: Compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Tell your current company to cancel your current policy and submit the signed application along with the required initial payment for your new policy. Once received, keep the new certificate verifying coverage somewhere easily accessible.
One key aspect of rate comparisons is to use the same level of coverage on each quote request and and to get rates from as many carriers as you can. This enables the most accurate price comparison and the most accurate and complete price analysis.
How to get Madison Ford Freestar insurance rate quotes
Most companies such as State Farm, Allstate and GEICO allow you to get prices for coverage directly from their websites. Getting Ford Freestar insurance prices online is easy for anyone as all you need to do is type in the coverages you want into the quote form. Once you submit the form, the quote system sends out for reports for credit and driving violations and provides a quote based on these factors. The ability to get online rate quotes for Ford Freestar insurance in Madison makes it simple to compare prices and it’s necessary to do this if you want to get the most affordable car insurance rates.
To quickly find out how much you’re overpaying now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you input coverages and limits identical to your current policy. This ensures you will get a fair comparison for similar insurance coverage.
The auto insurance companies shown below are ready to provide price comparisons in Wisconsin. If you want to find the best cheap car insurance in Madison, WI, it’s a good idea that you visit two to three different companies to get the lowest price.
Car insurance is not optional
Even though it’s not necessarily cheap to insure a Ford in Madison, car insurance may be required for several reasons.
- Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability protection if you don’t want to risk a ticket. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Ford Freestar has a lienholder, more than likely the lender will make it mandatory that you have full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Ford for a much higher rate and force you to pay the higher premium.
- Insurance protects not only your car but also your financial assets. Insurance will pay for medical bills that are the result of an accident. One policy coverage, liability insurance, will also pay to defend you 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, your policy will pay to repair the damage.
The benefits of carrying adequate insurance greatly outweigh the cost, specifically if you ever have a liability claim. The average driver in America is wasting up to $700 annually so you should quote rates each time the policy renews to save money.
Five factors that impact insurance premiums
Smart consumers have a good feel for some of the factors that come into play when calculating your premiums. When you understand what impacts premium levels, this helps enable you to make changes that will entitle you to better auto insurance rates.
Reduce prices by staying claim free – If you are the type of insured that files lots of claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Insurance companies in Wisconsin provide cheaper rates to drivers who only file infrequent claims. Your insurance policy is designed for larger claims.
The higher your credit score the lower your premiums – Your credit rating factor in your rate calculation. So if your credit can be improved, you could be paying less to insure your Ford Freestar if you clean up your credit. Drivers who have high credit ratings tend to file fewer claims as compared to drivers with worse credit.
Youthful drivers cost more – Older, more experienced drivers are more cautious drivers, statistically cause fewer accidents, and are generally more financially stable. Teen drivers tend to be careless and easily distracted when behind the wheel so auto insurance rates are higher.
More traffic equals higher costs – Living in small towns and rural areas has it’s advantages when talking about auto insurance. Fewer drivers and short commutes means a lower chance of having an accident and lower theft and vandalism rates. People who live in big cities regularly have congested traffic and longer commutes to work. More time commuting translates into higher accident risk.
Maintain auto insurance coverage – Driving any period of time without insurance can get you a ticket and as a result your rates will increase for letting your coverage cancel without a new policy in place. Not only will rates go up, failure to provide proof of insurance will get you a steep fine or even jail time.
What is the best insurance coverage?
When choosing the best insurance coverage, there isn’t really a one size fits all plan. Your financial needs are unique so your insurance should reflect that
These are some specific questions might help in determining if you could use an agent’s help.
- Can I get a multi-policy discount?
- Is my business laptop covered if it gets stolen from my vehicle?
- What is an umbrella policy?
- What is roadside assistance coverage?
- Should I have combined single limit or split liability limits?
- Am I covered when driving in Canada or Mexico?
- How can I get high-risk coverage after a DUI?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier
Wisconsin auto insurance companies
Picking a high-quality car insurance provider can be a challenge considering how many companies sell coverage in Wisconsin. The rank data below may help you choose which auto insurance companies you want to consider shopping prices with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Compare. Compare. Compare.
Throughout this article, we presented a lot of tips how to find affordable Ford Freestar insurance in Madison. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the best car insurance rates are with a small local company. Smaller companies often have lower premium rates on specific markets compared to the large companies like Progressive and GEICO.
Some insurance companies may not offer the ability to get a quote online and these smaller companies only sell through independent agencies. The cheapest Ford Freestar insurance in Madison is definitely available from both online companies as well as from independent agents in Madison, so you need to compare both in order to have the best chance of saving money.
Additional insurance information is located at these links:
- State Car Insurance Guides (GEICO)
- Who Has Affordable Madison Auto Insurance for a Learners Permit? (FAQ)
- Who Has the Cheapest Car Insurance for a School Permit in Madison? (FAQ)
- Vehicle Insurance (Wikipedia)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Young Drivers: The High Risk Years Video (iihs.org)
- Distracted Driving (Insurance Information Institute)