Buying car insurance online may seem to be difficult if you are one of the millions of people new to online car insurance quotes. But don’t let that discourage you because it’s actually quite easy to find affordable Ford Freestar in Milwaukee.
It’s amazing but over 70% of drivers kept buying from the same company for well over three years, and nearly half have never shopped around. The average driver in Milwaukee can save approximately $373 each year by just comparing rate quotes, but they just feel it’s too hard to shop their coverage around.
Consumers need to price shop coverage at least once a year because car insurance prices are rarely the same from one policy term to another. Just because you had the best deal on Ford Freestar insurance in Milwaukee last year there is a good chance you can find better rate quotes now. You can find a lot of misleading information regarding Freestar insurance out there, but by reading this article, you’re going to learn some of the best techniques to stop overpaying for insurance in Milwaukee.
If you are already insured, you should be able to reduce the price you pay using the ideas presented in this article. Comparing rates for the cheapest protection in Milwaukee is not as confusing as people think. Nevertheless, Wisconsin drivers need to have an understanding of how the larger insurance companies determine how much to charge.
Keep in mind that obtaining a wide range of quotes provides better odds of finding better pricing. Some regional insurers cannot provide online Milwaukee Freestar insurance quotes, so it’s important to also get prices from them, too.
The auto insurance companies shown below provide comparison quotes in Wisconsin. If more than one company is shown, we recommend you visit as many as you can in order to get a fair rate comparison.
Car insurance quotes and discounts
Companies that sell car insurance do not advertise all possible discounts in a way that’s easy to find, so the below list has both the well known and the more hidden savings tricks you should be using when you buy Milwaukee car insurance online.
- Include Life Insurance and Save – Larger insurance companies have a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
- Milwaukee Homeowners Discount – Just owning your own home can earn you a little savings because of the fact that having a home shows financial diligence.
- Accident Forgiveness – Not a discount per se, but a handful of insurance companies may permit one accident without getting socked with a rate hike if your claims history is clear for a particular time prior to the accident.
- Multiple Policy Discount – When you combine your auto and home insurance with one insurance company you may earn over 10 percent off each policy depending on the company.
- Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can avoid the installment charge.
- Theft Deterrent System – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
- Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
- Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up can save a little off PIP or medical payments premium.
Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
Companies and a summarized list of policyholder discounts include:
- GEICO has discounts for daytime running lights, multi-policy, membership and employees, driver training, federal employee, and military active duty.
- Mercury Insurance has savings for professional/association, ease of repair, good student, age of vehicle, anti-theft, low natural disaster claims, and multi-policy.
- Farmers Insurance policyholders can earn discounts including teen driver, distant student, good student, business and professional, homeowner, and switch companies.
- Auto-Owners Insurance includes discounts for student away at school, company car, multi-policy, anti-lock brakes, and air bags.
- Liberty Mutual may include discounts for teen driver discount, hybrid vehicle, newly married, preferred payment discount, good student, and new vehicle discount.
- SAFECO may have discounts that include homeowner, anti-theft, bundle discounts, teen safe driver, safe driver, and teen safety rewards.
- Progressive offers discounts including multi-vehicle, online quote discount, online signing, multi-policy, and homeowner.
- USAA discounts include safe driver, multi-policy, new vehicle, loyalty savings, military installation, and multi-vehicle.
Double check with all companies you are considering to apply every possible discount. Discounts may not apply to policyholders in your state. To see insurance companies that offer some of these discounts in Milwaukee, click here.
Auto insurance agents can help
A small number of people just prefer to buy from a local agent and that is OK! One of the best bonuses of comparing rates online is you may find cheaper premium rates but also keep your business local.
To make it easy to find an agent, after completing this short form, your insurance coverage information is emailed to agents in your area who can give free rate quotes for your insurance coverage. You don’t have to visit any agencies as quotes are delivered to the email address you provide. You’ll get the best rates AND a local agent. If you wish to get a rate quote from one company in particular, don’t hesitate to go to their quote page and give them your coverage information.
Picking an company shouldn’t rely on just the bottom line cost. These questions are important to ask:
- Do they see any coverage gaps in your plan?
- How will an accident affect your rates?
- Will the company cover a rental car if your car is getting fixed?
- Do they assist clients in filing claims?
- Will a damage claim use OEM or aftermarket replacement parts?
If you are wanting to purchase insurance from a reputable agency, it’s important to understand the types of agencies to choose from. Insurance agencies in Milwaukee are classified as either independent or exclusive.
Exclusive Insurance Agencies
Exclusive insurance agents normally can only provide a single company’s rates like State Farm, Allstate and AAA. Exclusive agents cannot shop your coverage around so they really need to provide good service. Exclusive agents are trained well on the products they sell which helps overcome the inability to quote other rates. Consumers frequently use the same exclusive agent mostly because of the brand rather than low rates.
The following are exclusive insurance agents in Milwaukee that can give you rate quotes.
- American Family Insurance – Adam Altis
6015 W Forest Home Ave – Milwaukee, WI 53220 – (414) 321-9944 – View Map
- American Family Insurance – Joseph Setum Jr
3457 S Kinnickinnic Ave – Milwaukee, WI 53207 – (414) 769-0701 – View Map
- State Farm Insurance
2121 S Kinnickinnic Ave #7 – Milwaukee, WI 53207 – (414) 483-3300 – View Map
Independent Insurance Agents
Independent agencies do not write with just one company and that allows them to write policies through many companies and get you the best rates possible. If premiums increase, they simply move your policy to a different company and you don’t have to do anything. If you are comparing rate quotes, we highly recommend that you get quotes from a few independent agents in order to compare the most rates. They also have the ability to place coverage with smaller companies which can be an advantage.
The following is a list of independent agents in Milwaukee willing to provide rate quotes.
- Philleo Agency Insurance
12555 W Burleigh Rd – Brookfield, WI 53005 – (262) 432-4200 – View Map
- Frank Medina Insurance WI
342 N Water St Ste 600 – Milwaukee, WI 53202 – (414) 877-0777 – View Map
- See Insurance Agency LLC
7817 W Brown Deer Rd – Milwaukee, WI 53223 – (414) 355-5433 – View Map
Which policy gives me the best coverage?
Always keep in mind that when comparing coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that
These are some specific questions may help you determine if you might need an agent’s assistance.
- Does having multiple vehicles earn me a discount?
- How can I force my company to pay a claim?
- Should I rate my Ford Freestar as pleasure use or commute?
- How much will a speeding ticket raise my rates?
- Is my Ford Freestar covered if I use it for business?
- What states are considered no-fault?
- Can my teen drive my company car?
- How can I get high-risk coverage after a DUI?
If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.
Three reasons to not skimp on car insurance
Even though it’s not necessarily cheap to insure a Ford in Milwaukee, car insurance may not be optional for several reasons.
- Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability if you want to drive legally. In Wisconsin 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.
- If your vehicle has a loan, most lenders will require that you carry insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Ford at a much higher rate and force you to reimburse them a much higher amount than you were paying before.
- Insurance safeguards both your assets and your Ford. Insurance will pay for medical expenses that are the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance are definitely more than the cost, especially with large liability claims. Unknowingly, the average driver is overpaying more than $700 annually so we recommend shopping around at every policy renewal to help ensure money is not being wasted.
Auto insurance 101
Knowing the specifics of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by car insurance companies.
Comprehensive auto coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as a tree branch falling on your vehicle, rock chips in glass and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Ford Freestar.
Due to the fact that many Wisconsin drivers carry very low liability coverage limits (Wisconsin limits are 25/50/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
Medical payments and PIP coverage – Med pay and PIP coverage pay for bills such as hospital visits, X-ray expenses, dental work, chiropractic care and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Collision coverage – This covers damage to your Freestar resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims like hitting a mailbox, scraping a guard rail and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible on your Freestar to bring the cost down.
Coverage for liability – Liability coverage protects you from damage or injury you incur to people or other property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/10 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage pays for things such as legal defense fees, medical expenses, loss of income and bail bonds. How much liability should you purchase? That is up to you, but consider buying higher limits if possible. Wisconsin state law requires minimum liability limits of 25/50/10 but drivers should carry higher limits.
Find cheaper car insurance rates by comparing often
When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. In too many instances, someone dropped physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
In this article, we presented a lot of ways to reduce Ford Freestar insurance rates online in Milwaukee. It’s most important to understand that the more you quote Milwaukee car insurance, the better your comparison will be. Drivers may even discover the biggest savings come from some of the lesser-known companies. Regional companies may only write in your state and offer lower auto insurance rates as compared to the big name companies such as Allstate or State Farm.
Much more information about car insurance in Wisconsin is located at the links below
- All About Airbag Safety (State Farm)
- Who Has Cheap Auto Insurance Quotes for Drivers Over Age 70 in Milwaukee? (FAQ)
- How Much is Milwaukee Auto Insurance for Low Mileage Drivers? (FAQ)
- Who Has Cheap Milwaukee Auto Insurance Rates for Teenage Males? (FAQ)
- Who Has Affordable Milwaukee Auto Insurance Rates for a Toyota RAV4? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Jeep Grand Cherokee in Milwaukee? (FAQ)
- Tools for Teen Driving Safety (State Farm)
- Help Your Teen Be a Better Driver (State Farm)
- Vehicle Safety Ratings (iihs.org)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)