Compare 1997 Ford Windstar Insurance Cost

Price shopping your insurance is always nearly impossible for people who are new to comparing rates online. Consumers have so many companies to choose from that it can turn into a lot of work to find the best price.

The easiest way to compare car insurance rates is to know the fact auto insurance companies participate in online systems to compare their rates. All you need to do is give them rating details including how your vehicles are used, your general credit rating, any included safety features, and if you lease or own. That information gets transmitted to many different companies and you receive quotes immediately.

To compare multiple company rates now, click here and enter the information requested.

Drivers who switch save $462 a year? Really?

Insurance coverage providers like 21st Century, Allstate and State Farm regularly use ads on TV and radio. They all say the same thing of big savings if you move your coverage to them. How can each company make the same claim?

All the different companies can use profiling for the type of customer that earns them a profit. A good example of a profitable customer might be profiled as between the ages of 40 and 55, has no driving citations, and chooses high deductibles. Any new insured that hits that “sweet spot” receives the best rates and most likely will save quite a bit of money when switching.

Drivers who are not a match for this ideal profile will be charged higher rates which usually ends up with business going elsewhere. The ad wording is “drivers who switch” not “everyone that quotes” save that kind of money. That’s the way companies can truthfully make the claims of big savings. That is why you should get quotes from several different companies. It’s not possible to predict the company that will provide you with the cheapest Ford Windstar insurance rates.

Ford Windstar rates are in the details

Smart consumers have a good feel for some of the elements that come into play when calculating your insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get better insurance rates.

The list below includes some of the factors that factor into your rates.

  • One company can mean more discounts – Most insurance companies will give a discount to customers who buy several policies from them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount, you still need to compare other company rates to make sure you are getting the best deal.
  • No coverage gaps is important – Letting your insurance expire will be a guaranteed way to pay more for insurance. Not only will you pay more, but being ticketed for driving with no insurance might get you a revoked license or a big fine.You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Liability coverage is cheap – The liability section of your policy is the protection when you are found liable for causing damage or personal injury in an accident. Liability provides you with a defense in court starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • High crash test scores lower rates – Vehicles with high crash test scores get lower rates. Safe vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Ford earned at least four stars on Safercar.gov you are probably receiving a discount.
  • More people means more accidents – Living in a rural area has it’s advantages when it comes to insurance. City drivers have to deal with congested traffic and longer commutes to work. Lower population means a lower chance of having an accident.
  • The more you drive the more you pay – The more you drive in a year the higher your rates will be. Most insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your Windstar can result in significantly higher rates. Ask your agent if your insurance policy is rated on the correct driver usage.
  • Tickets mean higher rates – A bad driving record has a huge affect on how much you pay. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Just one moving violation may increase your cost by twenty percent. If you have severe violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Lower rates come with age – Older drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers. Young drivers have a tendency to be more careless behind the wheel and because of this, their insurance rates are much higher.

Don’t overlook these discounts

Car insurance companies don’t always advertise every discount very clearly, so we researched both the well known and also the lesser-known insurance coverage savings.

  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • No Accidents – Claim-free drivers pay less as compared to drivers who are more careless.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you can get free auto insurance, you won’t be that lucky.

A partial list of companies that may offer these discounts are:

Double check with each company what discounts are available to you. Some discounts might not apply in every state.

Is my situation unique?

When it comes to buying coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Do I need to file an SR-22 for a DUI in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is the difference between comprehensive and collision coverage?
  • When do I need to add a new car to my policy?
  • Who is covered when they drive my 1997 Ford Windstar?
  • How high should my uninsured/underinsured coverage be in my state?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage information

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, hail damage and falling objects. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for ambulance fees, nursing services, X-ray expenses, prosthetic devices and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision protection

This coverage pays for damage to your Windstar resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

This provides protection from damages or injuries you inflict on other people or property. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as legal defense fees, repair bills for other people’s vehicles, structural damage, pain and suffering and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Don’t be a big spender

Low-cost 1997 Ford Windstar insurance is possible from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

Throughout this article, we presented a lot of techniques to save on insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may even find the most savings is with the least-expected company.

When you buy insurance online, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

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