Drivers fed up with high insurance rates and are new to comparing rates online could find locating the cheapest Ford Freestyle insurance in Tucson is more work than they anticipated.
Steps to buying affordable Ford Freestyle insurance in Tucson
To save the most money, the best way to find cheaper prices for Ford Freestyle insurance is to compare prices once a year from different companies in Tucson. Drivers can shop around by completing these steps.
- First, spend a few minutes and learn about how companies set rates and the measures you can control to prevent expensive coverage. Many factors that result in higher rates such as speeding tickets, careless driving and an imperfect credit score can be rectified by making minor driving habit or lifestyle changes. This article provides the details to get cheaper rates and get additional discounts that may have been overlooked.
- Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while independent agencies can quote rates from many different companies.
- Third, compare the price quotes to the price on your current policy and see if there is a cheaper rate. If you find a lower rate quote, verify that coverage does not lapse between policies.
A tip to remember is that you’ll want to compare the same liability limits and deductibles on each quote request and and to get rate quotes from as many companies as feasibly possible. Doing this provides a fair rate comparison and maximum price selection.
Unbelievably, the vast majority of insurance customers have been with the same company for at least four years, and about 40% of consumers have never quoted rates to find affordable coverage. With the average premium in Arizona being $1,600, drivers could save themselves as much as $733 a year, but they don’t invest the time required to compare rates and save money.
It’s a good idea to do price comparisons quite often because prices are rarely the same from one policy term to another. Even if you think you had the lowest rates on Ford Freestyle insurance in Tucson six months ago you can probably find a better premium rate now. Block out anything you think you know about insurance because you’re about to learn the best way to find better coverage on Ford Freestyle insurance in Tucson at a better price.
When quoting auto insurance, remember that comparing more rates from different companies provides better odds of finding lower pricing.
The providers in the list below can provide price quotes in Tucson, AZ. If you want the best auto insurance in AZ, it’s highly recommended you compare several of them in order to get a fair rate comparison.
Buying the right Ford vehicle insurance in Arizona is an important decision
Despite the high cost of buying insurance for a Ford Freestyle in Tucson, buying insurance is not optional due to several reasons.
- The majority of states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability protection if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Ford, more than likely the lender will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may insure your Ford at a significantly higher premium and make you pay much more than you were paying before.
- Insurance protects not only your car but also your assets. Insurance will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your policy will pay to restore your vehicle to like-new condition.
The benefits of having insurance more than offset the price you pay, especially for larger claims. But the average American driver is wasting up to $820 a year so compare rate quotes at every renewal to ensure rates are competitive.
Cut your auto insurance rates with these eight discounts
Companies that sell car insurance don’t list every discount they offer in a way that’s easy to find, so the list below contains some of the more common and also the more inconspicuous credits that may apply to you.
- Own a Home – Being a homeowner may trigger a policy discount on auto insurance because owning a home requires a higher level of personal finance.
- Multi-line Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
- Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
- Multi-policy Discount – If you have multiple policies and insure them with the same company you may earn over 10 percent off each policy depending on the company.
- Drivers Education – It’s a good idea to have your young drivers complete a driver education course as it will make them better drivers and lower rates.
- Accident-Free Discounts – Drivers with accident-free driving histories pay much less compared to policyholders that have many claims.
- Distant College Student Discount – Children who are enrolled in a college that is more than 100 miles from Tucson and leave their car at home may be insured at a cheaper rate.
- Student Discounts – Getting good grades may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
It’s important to understand that some credits don’t apply to the entire policy premium. Most only cut the cost of specific coverages such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, you aren’t that lucky.
Larger auto insurance companies and a summarized list of policyholder discounts are:
- State Farm may include discounts for good student, Steer Clear safe driver discount, passive restraint, defensive driving training, and anti-theft.
- Progressive may offer discounts for multi-vehicle, multi-policy, good student, online signing, and homeowner.
- Progressive has discounts for multi-policy, online quote discount, continuous coverage, multi-vehicle, online signing, good student, and homeowner.
- MetLife policyholders can earn discounts including multi-policy, good student, accident-free, good driver, defensive driver, and claim-free.
- Farm Bureau may have discounts that include multi-policy, driver training, safe driver, multi-vehicle, renewal discount, youthful driver, and 55 and retired.
- GEICO has savings for daytime running lights, driver training, multi-policy, membership and employees, and seat belt use.
- SAFECO includes discounts for drive less, multi-car, safe driver, bundle discounts, teen safety rewards, and homeowner.
Before buying, ask each company or agent which discounts you qualify for. Some discounts may not apply to policies in Tucson. If you would like to view auto insurance companies with the best discounts in Arizona, click here to view.
Don’t assume everyone needs the same insurance coverage
Always keep in mind that when comparing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.
For instance, these questions can help discover if your insurance needs might need professional guidance.
- When should I remove my kid from my policy?
- Is my Ford Freestyle covered for smoke damage?
- Do I benefit by insuring my home with the same company?
- Should I sign the liability waiver when renting a car?
- Is business property covered if stolen from my car?
- When should I drop full coverage on my Ford Freestyle?
- Am I covered if my car is in a flood?
- Is extra glass coverage worth it?
If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
How to find a good Arizona car insurance company
Insuring your vehicle with a good quality insurance provider can be rather challenging considering how many companies there are to choose from in Tucson. The company information in the next section could help you decide which car insurance providers to look at when comparing rates.
Top 10 Tucson Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Tucson Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide