2002 Ford Windstar Insurance Quotes

Searching for the cheapest insurance rates for your Ford Windstar? Are you sick and tired of not being able to afford each month for car insurance? Your situation is no different than many other drivers. Online insurance companies like Geico, Progressive and Allstate constantly bombard you with fancy advertisements and it can be hard to sift through the bull and do the work needed to find the best deal.

Automobile Insurance Quotes

Reducing your 2002 Ford Windstar insurance rates can be quick and easy. Consumers just need to take a couple of minutes to compare rate quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing separate quote forms for every auto insurance company. In just a few minutes this one form gets you coverage quotes from multiple low-cost companies.

Another way to compare prices is going to the website for each individual company and request a quote. For instance, let’s assume you want to compare Allstate, Farmers and American Family. To find out each rate you need to go to every website and enter your information, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare identical coverage limits for each price quote. If you are comparing mixed coverages it’s impossible to truly determine the lowest rate.

When should I talk to an agent?

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Every situation is different and your policy should reflect that. For instance, these questions could help you determine whether you would benefit from an agent’s advice.

  • Is my camper covered by my car insurance policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I afford to buy a different vehicle if my 2002 Ford Windstar is totaled?
  • When do I need to add a new car to my policy?
  • When would I need rental car insurance?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance coverage basics

Having a good grasp of insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverage types offered by insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses for things like rehabilitation expenses, surgery, doctor visits, dental work and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, falling objects, a broken windshield and theft. The maximum amount 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Windstar.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Auto liability

Liability coverage will cover damage that occurs to a person or their property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like emergency aid, funeral expenses, court costs, attorney fees and pain and suffering. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, driving through your garage door, damaging your car on a curb, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.