It’s easy to assume that auto insurance companies want to keep you from comparing prices. People who rate shop once a year will, in all likelihood, buy a different policy because there is a significant possibility of getting low-cost coverage. A recent car insurance study discovered that consumers who compared rate quotes regularly saved over $3,450 over four years compared to other drivers who don’t regularly compare prices.
If finding discount rates on auto insurance in Nashville is your ultimate target, then having an understanding of how to shop for insurance coverage can help make the process easier and more efficient.
The best way to get the cheapest Ford Freestar insurance in Nashville is to begin comparing prices regularly from providers who provide car insurance in Tennessee. Rates can be compared by completing these steps.
- First, try to learn a little about how car insurance works and the measures you can control to keep rates low. Many policy risk factors that drive up the price such as distracted driving and a poor credit rating can be improved by being financially responsible and driving safely.
- Second, quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while agents who are independent can provide prices from many different companies.
- Third, compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find better rates, make sure there is no coverage gap between policies.
A good tip to remember is to try to compare the same level of coverage on every price quote and and to analyze as many different insurance providers as possible. Doing this guarantees an apples-to-apples comparison and the best price selection.
The best way to get policy rate comparisons for Ford Freestar insurance in Nashville takes advantage of the fact most larger insurance companies participate in online systems to give you rate quotes. All consumers are required to do is give them rating details such as driver details, your occupation, your general credit rating, and daily mileage. That rating information is submitted instantly to insurance companies and you should receive rate quotes very quickly.
To get price quotes for your Ford Freestar now, click here and find out if lower rates are available in Nashville.
The providers in the list below have been selected to offer free rate quotes in Tennessee. If multiple companies are listed, we suggest you get price quotes from several of them to find the most affordable auto insurance rates.
Three main reasons to buy auto insurance
Even though it can be expensive, insurance is most likely required but also gives you several important benefits.
First, most states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability insurance if you drive a vehicle. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you have a loan on your Freestar, most lenders will require you to have full coverage to guarantee loan repayment. If you let the policy lapse, the bank may buy a policy for your Ford for a lot more money and force you to pay the higher price.
Third, auto insurance preserves not only your Ford but also your assets. It also can pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability coverage also pays for attorney fees and expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of buying auto insurance outweigh the cost, especially if you ever need it. Today the average American driver is currently overpaying as much as $750 every year so it’s important to compare rates at least once a year to make sure the price is not too high.
When to get professional advice
When it comes to a policy, there really is not a perfect coverage plan. Your needs are unique to you.
Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.
- Is my camper covered by my car insurance policy?
- Do I need to call my car insurance company before buying a new car?
- Do I need an umbrella policy?
- Which is better, split liability limits or combined limits?
- Are rock chip repairs covered?
- If I use my vehicle for business use is it covered?
- What vehicles should carry emergency assistance coverage?
- When should I have rental car coverage?
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Educate yourself about auto insurance coverages
Having a good grasp of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Collision coverage – This coverage will pay to fix damage to your Freestar resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things like scraping a guard rail, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible on your Freestar in order to get cheaper collision rates.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for expenses for things like surgery, EMT expenses, funeral costs and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like theft, a broken windshield, rock chips in glass and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability coverages – Liability insurance provides protection from damage or injury you incur to a person or their property. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/15 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $15,000 for damage to vehicles and property.
Liability coverage protects against things like loss of income, medical expenses, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy higher limits if possible. Tennessee state minimum liability requirements are 25/50/15 but you should consider buying more coverage.
The next chart shows why buying the state minimum limits may not provide adequate coverage.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Freestar.
Since a lot of drivers only carry the minimum required liability limits (Tennessee limits are 25/50/15), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Tennessee auto insurance company ratings
Insuring your vehicle with the top auto insurance company is hard considering how many different companies insure vehicles in Nashville. The company information shown next may help you pick which providers to look at when comparing rate quotes.
Top 10 Nashville Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top 10 Nashville Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Smart consumers save more
Lower-priced Ford Freestar insurance in Nashville is attainable both online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. A few companies may not provide rates over the internet and many times these regional carriers only sell coverage through independent agencies.
Drivers who switch companies do it for many reasons like not issuing a premium refund, high prices, denial of a claim and policy cancellation. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.
When shopping online for insurance, it’s a bad idea to skimp on coverage in order to save money. In many instances, an insured dropped liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.
More detailed insurance information can be read in these articles:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for a Toyota Highlander in Nashville? (FAQ)
- What Auto Insurance is Cheapest for Uninsured Drivers in Nashville? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Male in Nashville? (FAQ)
- Who Has Affordable Nashville Auto Insurance Quotes for a Company Car? (FAQ)
- Teen Driving Statistics (iihs.org)
- Determining Auto Insurance Rates (GEICO)
- Teen Driving and Texting (State Farm)