Cheaper 1998 Ford Windstar Insurance Rates

Searching for lower car insurance rates for your Ford Windstar? Are you a victim of high-priced car insurance? Believe me when I say you’re not alone.

Many car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies to get the cheapest price

It’s a good habit to price shop coverage occasionally due to the fact that insurance rates fluctuate regularly. Despite the fact that you may have had the best rates on Windstar coverage two years ago you will most likely find a better rate today. So just block out anything you think you know about car insurance because we’re going to show you one of the best ways to save money, get proper coverage and the best rates.

How to Compare Car Insurance Rates

There are a lot of ways you can shop for car insurance but some are easier and takes less work. You can spend countless hours talking to insurance agencies in your area, or you could save time and use the internet to get the quickest rates.

The majority of car insurance companies participate in an industry program that enables customers to submit one quote, and each participating company can give them a price based on the submitted data. This eliminates the need for quote requests to every company. To find out how much you can save on car insurance click here to open in new window.

The one downside to doing it this way is you cannot specify which insurance companies to receive prices from. So if you want to select individual companies to request quotes from, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make absolute certain that you use apples-to-apples coverage limits and deductibles for every quote you compare. If you have different liability limits you will not be able to truly determine the lowest rate. Quoting even small variations in limits may result in a large different in cost. And when comparing car insurance rates, know that comparing more company’s prices will improve the odds of getting a better price.

Save $434 a year. For real?

Insurance coverage providers like Allstate, Geico and Progressive consistently run ads on television and other media. They all say the same thing that you can save if you change to them. How does each company make almost identical claims? It’s all in the numbers.

All the different companies are able to cherry pick for the driver they prefer to insure. A good example of a preferred risk could possibly be over the age of 50, owns a home, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t qualify for this ideal profile must pay higher premiums which leads to business going elsewhere. The ad wording is “customers that switch” not “people who quote” save that much. That’s the way companies can advertise the savings. This illustrates why it’s extremely important to get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings on Ford Windstar insurance.

More discounts equal less premium

Car insurance companies do not list every available discount in an easy-to-find place, so the following is a list of some of the best known and the more hidden discounts you could be receiving.

  • Claim Free – Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
  • Clubs and Organizations – Participating in certain professional organizations could qualify you for a break when buying insurance coverage on Windstar coverage.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Windstar coverage than less cautious drivers.
  • Driver Safety – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could be rewarded with better rates on cars that stay parked.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

To see a list of insurance companies who offer insurance coverage discounts, follow this link.

It’s not one size fits all

When it comes to buying the best insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that These are some specific questions might help in determining whether you might need an agent’s assistance.

  • Is pleasure use cheaper than using my 1998 Ford Windstar to commute?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is covered by UM/UIM coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Will filing a claim cost me more?
  • Should I buy additional glass protection?
  • Do I need an umbrella policy?
  • Am I covered when driving a rental car?
  • At what point should I drop full coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

The coverage is in the details

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, sideswiping another vehicle, driving through your garage door, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Windstar.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for liability

Liability insurance will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like emergency aid, funeral expenses, medical expenses and medical services. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, falling objects and vandalism. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for dental work, prosthetic devices, funeral costs and pain medications. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Final considerations

We’ve covered a lot of ways to get a better price on 1998 Ford Windstar insurance. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the most savings is with a small local company. Regional companies often have lower prices on specific markets than their larger competitors like State Farm and Allstate.

When shopping online for auto insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at an affordable rate.

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