1993 Ford Aerostar Insurance Cost – 9 Savings Tips

Consumers have a choice when looking for the best price on Ford Aerostar insurance. They can either waste time contacting agents to compare prices or use the internet to make rate comparisons. There is a better way to shop for car insurance so you’re going to learn the quickest way to compare rates for a new or used Ford and find the best price possible from local insurance agents and online providers.

It’s a good habit to compare prices every six months because car insurance rates change quite often. Even if you think you had the best premium rates for Aerostar insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to teach you the tricks you need to know to find better rates and still maintain coverage.

Buy car insurance online

Finding a better price on car insurance is actually easier than you may think. Consumers just need to spend a little time comparing rates online with multiple companies. This is very easy and can be done by using one of the methods below.

One of the fastest ways consumers can analyze rates is a comparison rater form (click to open form in new window). This type of form keeps you from doing a different quote to each individual car insurance company. A single form will get you rate comparisons from multiple low-cost companies.It’s the quickest way to get rates.

Another way to get quotes online requires a visit to the website of each company to request a price quote. For instance, let’s say you want to compare prices for USAA, Safeco and Travelers. To get rate quotes you would need to spend time on each company’s site and type in your information over and over, which is why most consumers use the first method.

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

The final method to comparison shop is to waste gas driving to different agent offices. Quoting online eliminates this option unless you require the professional assistance of a licensed agent. If you prefer, some companies allow you to price shop your coverage online and have a local agent actually service the policy.

Whichever method you choose, be sure to compare nearly identical coverage information for each comparison quote. If you enter different deductibles then you won’t be able to determine the lowest rate for your Ford Aerostar.

You may qualify for discounts

Some providers don’t always advertise every available discount very clearly, so here is a list both the well known and also the lesser-known insurance savings. If they aren’t giving you every credit available, you are not getting the best rate possible.

• Student Discounts – A discount for being a good student may save as much as 25% on a car insurance quote. The discount lasts well after school through age 25.
• Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
• Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
• Multiple Cars – Buying coverage for primary and secondary vehicles on one policy can get a discount on all vehicles.
• Seat Belt Discounts – Drivers who require all occupants to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
• Military Rewards – Being deployed with a military unit may qualify for rate reductions.
• Waiver for an Accident – Not a discount per se, but a handful of insurance companies will forgive one accident before they charge you more for coverage as long as you don’t have any claims for a specific time period.
• Home Ownership Discount – Being a homeowner may earn you a small savings since owning and maintaining a home is proof that your finances are in order.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.

While discounts sound great, it’s important to understand that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A few popular companies and some of the discounts are detailed below.

• American Family has savings for defensive driver, early bird, Steer into Savings, good student, air bags, TimeAway discount, and multi-vehicle.
• Farm Bureau has discounts for good student, 55 and retired, renewal discount, multi-vehicle, and youthful driver.
• State Farm discounts include good student, multiple autos, driver’s education, anti-theft, safe vehicle, student away at school, and Steer Clear safe driver discount.
• Travelers offers discounts including continuous insurance, multi-policy, student away at school, new car, hybrid/electric vehicle, and good student.
• The Hartford offers discounts for good student, bundle, vehicle fuel type, anti-theft, driver training, and air bag.
• Geico may have discounts that include emergency military deployment, daytime running lights, air bags, federal employee, anti-lock brakes, five-year accident-free, and anti-theft.
• Progressive includes discounts for multi-vehicle, online signing, multi-policy, homeowner, online quote discount, and good student.

Check with each company which discounts you may be entitled to. All car insurance discounts may not be offered in your area. If you would like to view insurance companies offering insurance discounts, click here.

There’s no such thing as the perfect insurance coverage policy

When it comes to choosing the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether your personal situation will benefit from professional help.

• Do I need an umbrella policy?
• Will my rates increase for filing one claim?
• What is covered by UM/UIM coverage?
• Is motorclub coverage worth it?
• How can I get my company to pay me more for my totalled car?
• Do I need PIP (personal injury protection) coverage in my state?
• Am I covered if I hit my neighbor’s mailbox?
• Should I buy additional glass protection?
• Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Advertising myths

Consumers can’t avoid all the ads that claim the lowest prices from companies such as 21st Century, Allstate and State Farm. All the ads advertise claims that drivers will save a bundle if you change to their company.

How does each company charge less that you’re paying now? You have to listen carefully.

Companies have specific characteristics for the type of customer that makes them money. For instance, this type of risk profile may need to be between the ages of 30 and 50, is a homeowner, and drives less than 10,000 miles a year. Anybody that hits that “sweet spot” may get the lowest premium rates and will most likely save if they switch.

Insureds who do not meet the requirements may be required to pay more expensive rates which results in the customer buying from a different company. If you listen to the ad wording, they say “people that switch” but not “all drivers who get quotes” save money. This is how companies can truthfully claim big savings. This illustrates why it’s extremely important to compare price quotes frequently. It’s just not possible to know which insurance company will fit your personal profile best.

Coverages available on your policy

Understanding the coverages of your auto insurance policy can help you determine the best coverages for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision protection

This coverage pays for damage to your Aerostar resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, rolling your car, scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, damage from getting keyed and rock chips in glass. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto liability insurance

This can cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as structural damage, funeral expenses, pain and suffering and loss of income. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses like dental work, funeral costs and prosthetic devices. They can be used to fill the gap from your 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 and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Don’t break the bank

Cheaper insurance is attainable from both online companies and from local insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies don’t offer the ability to get a quote online and usually these regional carriers sell through independent agents.

Consumers change insurance companies for many reasons like denial of a claim, an unsatisfactory settlement offer, delays in paying claims or unfair underwriting practices. Regardless of your reason, choosing a new insurance company can be easier than you think.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where drivers have reduced physical damage coverage only to regret they didn’t have enough coverage. Your objective should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

More detailed insurance information is located in the articles below:

• Teen Driving Statistics (Geico)
• What Does No-Fault Insurance Cover? (Allstate)
• Insurance Losses by Make and Model (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)