Cheap 1996 Ford Aerostar Car Insurance Quotes

People new to comparison shopping online will discover buying the cheapest auto insurance is harder than they anticipated.

Consumers should take time to shop coverage around yearly due to the fact that insurance rates tend to go up over time. If you had the best price on Aerostar coverage a year ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because we’re going to demonstrate the tricks you need to know to find great coverage at a great price.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this information. But car owners should learn how big insurance companies determine prices and apply this information to your search.

Ford Aerostar rate determination is complex

It’s important that you understand the rating factors that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in better insurance coverage rates.

Shown below are a partial list of the pieces companies use to determine premiums.

  • How’s your driving record? – Even a single moving violation may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than bad drivers. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Adjust deductibles and save – Your deductibles define the amount you are willing to pay out-of-pocket before your insurance coverage pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The more expense you have to pay, the less your company will charge you for insurance on Aerostar coverage.
  • Your stress level may be raising your rates – Careers like real estate brokers, social workers and accountants tend to have higher rates than average due to high stress levels and lengthy work days. On the flip side, jobs such as pilots, athletes and retirees receive lower rates on Aerostar coverage.
  • Men pay higher rates – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women are in accidents at about the same rate, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.
  • A lapse in coverage is a bad thing – Driving without insurance is against the law and insurance coverage companies will penalize you for letting your coverage have a gap. And not only will your rates increase, but not being able to provide proof of insurance can result in a license revocation or jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • High credit ratings translate to low rates – Your credit score is a huge factor in your rate calculation. People with high credit ratings tend to be more responsible than drivers with lower credit ratings. Therefore, if your credit score is low, you could save money insuring your 1996 Ford Aerostar by improving your credit score.
  • Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.

Are you getting all your discounts?

Companies offering auto insurance do not list all their discounts in an easy-to-find place, so we break down both the well known as well as the least known savings tricks you should be using.

  • Distant Student – Children who live away from home and do not have a car may qualify for this discount.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • No Accidents – Drivers who don’t have accidents pay much less when compared to frequent claim filers.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Aerostar coverage than less cautious drivers.
  • E-sign – A handful of insurance companies may give you up to $50 simply for signing over the internet.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you could get a free insurance policy, companies don’t profit that way.

For a list of companies with discount insurance rates, click this link.

Slick advertising tricks that work

Insurance providers like 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all make the same claim that you can save if you switch your policy. How does each company make the same claim? This is how they do it.

All companies can use profiling for the type of driver that is profitable for them. A good example of a desirable insured could possibly be over the age of 40, insures multiple vehicles, and has excellent credit. Any new insured who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Potential customers who don’t meet this ideal profile must pay higher prices which leads to the customer not buying. The ads state “customers that switch” not “everyone that quotes” save money. This is how insurance companies can confidently make those claims. This illustrates why it’s extremely important to get as many quotes as possible. It’s not possible to predict which company will give you the biggest savings on Ford Aerostar insurance.

When might I need an agent?

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining if your situation could use an agent’s help.

  • Do I need motorclub coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I get a multi-policy discount?
  • Does coverage extend to a rental car in a foreign country?
  • Can I afford low physical damage deductibles?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Insurance policy coverages for a Ford Aerostar

Learning about specific coverages of insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses such as pain medications, chiropractic care, hospital visits and surgery. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, driving through your garage door, backing into a parked car and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1996 Ford Aerostar.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as loss of income, repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, theft, damage from flooding and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

In conclusion

We just presented many ways to save on 1996 Ford Aerostar insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a small mutual company.

People change insurance companies for a number of reasons such as questionable increases in premium, an unsatisfactory settlement offer, not issuing a premium refund or even lack of trust in their agent. Regardless of your reason, finding a new company is actually quite simple.

Affordable insurance can be bought online in addition to many insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not provide online quoting and most of the time these smaller companies sell through independent agents.

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