We don’t have to point out that fact that auto insurance companies don’t want you shop around. Drivers who shop for lower prices are inclined to move their business because of the high probability of finding a lower-priced policy. A recent survey discovered that consumers who compared rates annually saved over $3,500 over four years compared to other drivers who never compared other company’s rates.
If finding the best price on Ford Freestar insurance is your ultimate goal, then learning a little about the best ways to find and compare coverages can save money and time.
If your goal is the lowest price, then the best way to get affordable auto insurance rates is to make a habit of comparing prices annually from different companies who sell auto insurance in Louisville. Drivers can shop around by completing these steps.
First, gain an understanding of the different coverages in a policy and the steps you can take to keep rates down. Many rating criteria that result in higher prices like accidents, traffic tickets, and an unacceptable credit score can be controlled by improving your driving habits or financial responsibility.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes from multiple sources. View insurance agents
Third, compare the new rate quotes to your current policy premium and determine if there is any savings. If you find a lower rate quote and buy the policy, ensure there is no coverage lapse between policies.
Fourth, notify your agent or company to cancel your existing policy. Submit a completed application and payment for your new policy. Immediately put the new certificate verifying proof of insurance with the vehicle registration.
The key thing to remember is that you’ll want to make sure you compare the same level of coverage on each quote and to quote with as many different companies as possible. This ensures a fair price comparison and a thorough selection of prices.
If you’re already insured, you will surely be able to reduce premiums using the concepts covered in this article. Pricing cheaper auto insurance policy in Louisville is not that difficult. Nevertheless, Kentucky consumers do need to learn the methods companies use to set your policy premium because it varies considerably.
Free Louisville Ford Freestar insurance price quotes
When comparison shopping, there are several ways to compare quotes from companies that offer insurance in Kentucky. The simplest method to find competitive Ford Freestar insurance rates is simply to get online rate quotes.
Just remember that obtaining a wide range of quotes will increase your chances of finding more affordable rates. Some smaller insurers do not give online Louisville Freestar insurance quotes, so you should also compare prices from the smaller companies as well.
The following companies are ready to provide free rate quotes in Kentucky. To locate cheap car insurance in KY, it’s a good idea that you visit several of them to get a more complete price comparison.
Cheap Louisville auto insurance rates with discounts
Some companies do not advertise the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more common and also the more inconspicuous credits that you can use to lower your rates. If you do not check that you are getting every discount you deserve, you could be saving more on your auto insurance.
- Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education if it’s offered in school.
- Good Student – Being a good student may save you up to 25%. Most companies allow this discount well after school through age 25.
- Early Renewal Discounts – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
- Louisville Homeowners Discount – Simply owning a home can earn you a little savings because owning a home is proof that your finances are in order.
- Sign Online – A few larger online companies will provide an incentive for signing up on their website.
- Federal Employees – Employees or retirees of the government may qualify for a discount when you quote Louisville auto insurance with a few auto insurance companies.
Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, companies don’t profit that way.
To locate auto insurance companies who offer auto insurance discounts in Kentucky, follow this link.
Why you need auto insurance
Despite the potentially high cost of Ford Freestar insurance, maintaining insurance is not optional due to several reasons.
First, most states have mandatory insurance requirements which means the state requires specific minimum amounts of liability insurance in order to drive the car. In Kentucky 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.
Second, if your Freestar has a lienholder, more than likely the lender will require you to have insurance to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank or lender will purchase a policy for your Ford for a lot more money and force you to reimburse them for the expensive policy.
Third, insurance protects your car and your assets. It will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your Ford gets damaged, your auto insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of insuring your Freestar are without a doubt worth the cost, particularly for liability claims. As of last year, the average driver in Kentucky is overpaying more than $855 a year so it’s very important to do a rate comparison every year to be sure current rates are still competitive.
Which is the best car insurance?
When buying your policy, there really isn’t a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your car insurance should be unique as well.
These are some specific questions may help highlight whether or not you might need an agent’s assistance.
- What is UM/UIM insurance?
- Does coverage extend to a rental car in a foreign country?
- Can I cancel at any time?
- Which companies will insure me after a DUI?
- Which companies will insure high-risk drivers?
- Do I need medical payments coverage since I have good health insurance?
- Why am I required to buy liability insurance?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier
Insurance agencies are trained to help
A lot of people would prefer to get professional advice from a licensed agent and that is a smart decision The best thing about comparing rate quotes online is that you can find lower prices but also keep your business local.
After completing this form (opens in new window), your information is transmitted to local insurance agents in Louisville who will return price quotes to get your business. You never need to find an agent on your own since price quotes are sent to you directly. You’ll get the best rates and an insurance agent to talk to. If you want to get a comparison quote from one company in particular, don’t hesitate to go to their quote page and submit a quote form there.
Choosing an company should include more criteria than just the premium amount. Some important questions to ask are:
- Are they involved in claim handling?
- Do you need full coverage on every vehicle?
- How much experience to they have in personal lines coverages?
- Do the companies they represent have a solid financial rating?
- What company do they have the most business with?
Shown below is a list of auto insurance companies in Louisville that may be willing to give rate quotes for Ford Freestar insurance in Louisville.
- Dave Goodman – State Farm Insurance Agent
1906 Crums Ln – Louisville, KY 40216 – (502) 448-5436 – View Map
- Claude Reynolds Insurance
6801 Dixie Hwy #232 – Louisville, KY 40258 – (502) 933-2255 – View Map
- Bob Dotson – State Farm Insurance Agent
9800 Shelbyville Rd – Louisville, KY 40223 – (502) 339-8086 – View Map
- David Franck – State Farm Insurance Agent
8217 Shelbyville Rd – Louisville, KY 40222 – (502) 339-1400 – View Map
If you get answers to your satisfaction for all questions you ask in addition to an acceptable price estimate, you’ve probably found a company that can be relied on to adequately provide car insurance. Just understand that once you purchase a policy you can terminate your policy whenever you want so don’t feel that you’re stuck with any specific company for the full term.