Unimaginable but true, nearly 70% of consumers have remained with the same insurance company for four years or more, and practically 40% of insurance customers have never shopped around. With the average premium in Louisiana being $2,900, drivers can save hundreds of dollars each year, but they just assume it’s a time-consuming process to compare rate quotes.
The preferred way to find affordable quotes for Ford Freestyle insurance is to do a yearly price comparison from insurers who can sell car insurance in New Orleans.
Step 1: Take a few minutes and learn about coverages and the measures you can take to prevent high rates. Many factors that cause rate increases like traffic violations and a low credit score can be amended by paying attention to minor details.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or State Farm, while agents who are independent can give you price quotes for a wide range of companies. View companies
Step 3: Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
Step 4: Give notification to your agent or company of your decision to cancel your existing policy and submit any necessary down payment along with the completed application to the new company. Make sure you store the proof of insurance paperwork with the vehicle registration.
One important bit of advice is to compare the same deductibles and limits on every price quote and and to get prices from as many companies as feasibly possible. Doing this helps ensure a level playing field and a thorough price selection.
Buy New Orleans Ford Freestyle insurance online
To get low cost New Orleans car insurance quotes, there a variety of ways of comparing rates from many car insurance companies in Louisiana. The recommended way to find the cheapest Ford Freestyle insurance rates is simply to get online rate quotes. When comparison shopping, comparing a large number of companies increases the chance that you will find a better price. Not every company allows you to get online price quotes, so it’s necessary to compare prices on coverage from those companies, too.
The auto insurance companies shown below offer free quotes in Louisiana. If you want to find cheaper auto insurance in New Orleans, LA, we suggest you visit several of them to get the best price comparison.
Car insurance is not optional in Louisiana
Despite the high cost of buying insurance for a Ford Freestyle in New Orleans, insuring your vehicle is required for several reasons.
First, just about all states have mandatory liability insurance requirements which means the state requires a minimum amount of liability insurance coverage if you drive a vehicle. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your Freestyle, almost every bank will have a requirement that you carry insurance to protect their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Ford at a more expensive rate and force you to pay much more than you were paying before.
Third, car insurance protects not only your Ford but also your financial assets. Insurance will pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, 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 minus the deductible amount.
The benefits of having car insurance greatly outweigh the cost, particularly if you ever have a claim. Today the average American driver overpays as much as $750 every year so it’s important to compare rates each time the policy renews to make sure the price is not too high.
Get Lower-cost Insurance Costs by Understanding These Factors
Lots of factors are part of the equation when quoting car insurance. A few of the factors are predictable like an MVR report, although some other factors are more transparent like your vehicle usage or your commute time.
Policy add-ons may not be needed – There are a ton of additional coverages that you can get tricked into buying if you aren’t careful. Things like rental car coverage, towing, and Farm Bureau memberships may be costing you every month. They may seem good when buying your policy, but if you don’t need them remove them from your policy.
Raising comp and collision deductibles lowers rates – Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, also called comprehensive and collision insurance, covers damage that occurs to your car. A few examples of covered claims would be a windshield broken by a bird, damage caused by hail, and damage from wind. The higher the amount the insured is willing to pay, the bigger discount you will receive.
Are males or females drivers cheaper? – Over time, data shows females are less aggressive when driving. This data doesn’t prove that males are worse at driving than females. They both are in auto accidents at a similar rate, but guys have costlier accidents. Men also tend to get ticketed for serious violations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore pay the highest rates.
Credit history impacts costs – A driver’s credit history is a large factor in determining premium rates. So if your credit rating leaves room for improvement, you may save money insuring your Ford Freestyle if you clean up your credit. People with high credit scores tend to be less risk to insure than drivers who have poor credit.
More mileage equals more premium – Driving a lot of miles annually the more you will pay for insurance. Almost all companies calculate rates partially by how you use the vehicle. Autos that are left in the garage receive lower rates than those used for commuting. It’s always a good idea to double check that your declarations sheet is showing the correct usage, because improper ratings can cost you money. Incorrect rating for your Freestyle may be wasting your money.
Discounts for multiple policies – The majority of insurers provide better rates for people who consolidate policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to get quotes from other companies to verify if the discount is saving money.
High performance vehicles cost more to insure – The performance of the car or truck you are buying insurance for makes a huge difference in your car insurance bill. Lower performance four cylinder passenger models usually are quite affordable to insure, but other factors influence the final cost greatly.
Discounts for married couples – Having a wife or husband may save some money on your insurance policy. Having a significant other is viewed as being more mature and statistics prove married drivers tend to have fewer serious accidents.
Do I just need basic coverages?
When quoting and comparing proper insurance coverage, there really isn’t a perfect coverage plan. Your situation is unique.
These are some specific questions may help highlight if your situation might need an agent’s assistance.
- Is my trailer covered?
- Am I covered when driving a rental car?
- Is pet coverage available?
- What exactly is covered by my policy?
- What is PIP insurance?
- Should I bundle my homeowners policy with my auto?
- Can my babysitter drive my car?
- Is a blown tire covered by insurance?
- If I drive on a suspended license am I covered?
- Do I need higher collision deductibles?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.
Cheap insurance rates are possible
When getting New Orleans car insurance quotes online, you should never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at the best possible price and still be able to protect your assets.
In this article, we covered a lot of tips how to find lower-cost Ford Freestyle insurance in New Orleans. The most important thing to understand is the more quotes you get, the better your chances of lowering your premium rates. You may even find the most savings is with a company that doesn’t do a lot of advertising.
Some insurance companies don’t offer online rate quotes and usually these smaller companies sell through independent agents. Lower-priced insurance in New Orleans can be sourced online in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from.
More information is located on the following sites:
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for a Jeep Grand Cherokee in New Orleans? (FAQ)
- How Much are New Orleans Car Insurance Quotes for 4×4 Vehicles? (FAQ)
- What is the Cheapest Car Insurance in New Orleans, Louisiana? (FAQ)
- Who Has Cheap Auto Insurance for Active Military in New Orleans? (FAQ)
- How Much is Auto Insurance for Good Students in New Orleans? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Insuring a Leased Car (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)
- Information for Teen Drivers (GEICO)