Do you need a better way to compare the cheapest Ford Freestar insurance in Chicago? No normal person loves paying for auto insurance, especially knowing the cost is way too high.
It’s hard to believe, but almost 70% of drivers have purchased from the same company for at least the last four years, and nearly 40% of drivers have never taken the time to shop around. Most drivers in Illinois could save themselves 40% a year by just shopping around, but they don’t believe the big savings they would realize if they switched. Consumers have multiple insurers to choose from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to find a good deal for Ford Freestar insurance in Chicago.
You should take the time to quote other rates quite often because rates are usually higher with each renewal. Despite the fact that you may have had the best deal on Ford Freestar insurance in Chicago at your last renewal there is a good chance you can find better prices now. Forget all the misinformation about auto insurance because you’re about to learn how to use the internet to find lower rates on auto insurance.
Compare Ford Freestar insurance rates
The companies shown below provide comparison quotes in Chicago, IL. If multiple providers are shown, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Save a ton by receiving discounts
Buying insurance is not cheap, but there are discounts available to help offset the cost. Most are applied at the time you complete a quote, but a few must be asked for before being credited. If you don’t get every credit available, you could be getting lower rates.
- Military Discounts – Having a family member in the military could qualify you for better insurance rates.
- Buy New and Save – Adding a new car to your policy may earn a small discount due to better safety requirements for new model year vehicles.
- Own a Home and Save – Just owning your own home can get you a discount because it is proof that your finances are in order.
- Smart Student Discounts – Performing well in school can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
- Auto/Home Discount – When you combine your auto and homeowners insurance and insure them with the same company they may give you a discount of at least 10 to 15 percent or more.
As is typical with insurance, some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will cut the premium cost.
A partial list of companies that may have most of the discounts above include:
If you want affordable Chicago auto insurance quotes, ask every company to apply every possible discount. Some discounts may not apply in Chicago. If you would like to view providers with significant discounts in Illinois, follow this link.
Why auto insurance is not optional
Despite the high cost of buying insurance for a Ford Freestar in Chicago, insurance is required by state law in Illinois and it also provides benefits you may not be aware of.
- Almost all states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to drive the car. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you bought your vehicle with a loan, most lenders will stipulate that you buy full coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Ford for a lot more money and force you to reimburse them for it.
- Auto insurance preserves both your assets and your Ford Freestar. Insurance will pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and/or collision insurance 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, especially with large liability claims. Unknowingly, the average driver overpays as much as $820 a year so you should quote and compare rates once a year at a minimum to make sure the price is not too high.
When should I discuss my situation with an agent?
When it comes to coverage for your vehicles, there really isn’t a single plan that fits everyone. Your financial needs are unique and your car insurance should unique, too.
These are some specific questions could help you determine if you would benefit from professional advice.
- Does my policy cover me if I wreck while driving under the influence?
- I have a DUI can I still get coverage?
- Can I cancel at any time?
- Does liability extend to a camper or trailer?
- What is no-fault insurance?
- Are rental cars covered under my policy?
- Are there any extra discounts I can get?
- Can I insure my car for more than it’s worth?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.
Can’t I compare rate quotes from local Chicago auto insurance agents?
Some consumers still like to talk to a local agent and that is just fine! Agents can make sure you are properly covered and will help you if you have claims. One of the benefits of price shopping on the web is you can get cheap rate quotes but still work with a licensed agent. Putting coverage with local agencies is especially important in Chicago.
After completing this form (opens in new window), your information gets sent to participating agents in Chicago who will gladly provide quotes for your insurance coverage. You won’t need to leave your computer as quotes are delivered straight to your inbox. In the event you want to quote rates from one company in particular, you can always search and find their rate quote page and fill out their quote form.
Insurance agent types
When finding a reliable insurance agency, it helps to know the two types of agencies and how they work. Insurance agencies in Chicago can be described as either independent agents or exclusive agents. Both types can sell and service car insurance coverage, but it’s important to point out how they differ since it could factor into the type of agent you choose.
Independent Agents (or Brokers)
These agents are normally appointed by many insurers and that allows them to write policies with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies. When comparing rate quotes, you should always include price quotes from independent agents to have the most options to choose from.
Shown below are Chicago independent agents that can give you comparison quotes.
W.A. George Insurance Agency
155 N Michigan Ave #300 – Chicago, IL 60601 – (312) 729-5265 – View Map
Exclusive Car Insurance Agencies
Agents of this type can only provide one company’s prices and examples are Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well trained in insurance sales which helps them sell on service rather than price.
Listed below are exclusive insurance agents in Chicago who can help you get rate quotes.
Picking an car insurance agent shouldn’t rely on just the premium amount. Any good agent in Chicago should know the answers to these questions.
- Is the agency covered by Errors and Omissions coverage?
- Is their price quote a firm figure or are their hidden costs?
- Does the agency support the community they serve?
- Does the company have a solid financial rating?
- Does the quote include credit and driving reports?
- Are they able to influence company decisions when a claim is filed?
- Are claim adjusters local or do you have to take your car somewhere else?
- If independent agents, which companies do they recommend?