View 1995 Ford Windstar Insurance Quotes

Trying to find cheaper car insurance rates for your Ford Windstar? Searching for cheaper insurance for a Ford Windstar could be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to shop for car insurance so we’re going to tell you the best way to quote coverages for a new or used Ford and obtain the best price possible from both online companies and local agents.

Consumers need to shop coverage around occasionally because car insurance rates fluctuate regularly. Just because you found the best premium rates for Windstar insurance a couple years back there is a good chance you can find better prices now. Forget anything you know (or think you know) about car insurance because you’re about to learn the proper way to find the best coverage while lowering your premiums.

The easiest way to get rate comparisons is to understand almost all companies will pay a fee to quote your coverage. To start a quote, the only thing you need to do is spend a couple of minutes providing details including whether you have decent credit, any included safety features, marital status, and if your license is active. The data is then submitted to multiple companies and they return cost estimate very quickly.

Save a ton by getting discounts

Insurance coverage is not inexpensive, but discounts can save money and there are some available that many consumers don’t even know exist. Certain reductions will be credited when you get a quote, but a few must be manually applied before being credited.

  • Accident Forgiveness – Not really a discount, but companies like GEICO and Liberty Mutual will turn a blind eye to one accident without getting socked with a rate hike if your claims history is clear for a certain period of time.
  • Driving Data Discount – Policyholders that allow their insurance company to spy on where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease as long as they are good drivers.
  • Discount for Life Insurance – Larger insurance coverage companies have a lower insurance coverage rate if you buy a life insurance policy as well.
  • Multiple Vehicles – Insuring multiple cars or trucks with the same insurance coverage company could earn a price break for each car.
  • Discounts for Government Workers – Simply working for the federal government can save as much as 8% for Windstar insurance with select insurance companies.
  • Resident Student – Children who attend college more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Discounts for Safe Drivers – Accident-free drivers can pay as much as 50% less for Windstar insurance as compared to drivers with claims.

Keep in mind that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free insurance coverage policy, it’s just not the way it works.

Larger insurance coverage companies and some of their more popular discounts are included below.

  • Farmers Insurance may have discounts that include pay in full, teen driver, distant student, switch companies, homeowner, alternative fuel, and good student.
  • Esurance discounts include multi-policy, emergency road assistance, renters, homeowner, and paid-in-full.
  • State Farm may offer discounts for anti-theft, Steer Clear safe driver discount, multiple policy, multiple autos, good driver, and accident-free.
  • GEICO policyholders can earn discounts including seat belt use, daytime running lights, military active duty, anti-theft, federal employee, emergency military deployment, and five-year accident-free.
  • Allstate has savings for 55 and retired, anti-lock brakes, good student, FullPay discount, premier plus, multi-policy, and resident student.

When quoting, ask all the companies which credits you are entitled to. Some of the earlier mentioned discounts might not be offered everywhere.

What affects Ford Windstar insurance prices?

An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating your policy premiums. If you have some idea of what impacts premium levels, this enables informed choices that could result in lower premium levels. Lots of things are part of the calculation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but others are less apparent like your vehicle usage or your commute time.

  • Don’t buy add-on coverages you don’t need – There are quite a few additional coverages that may not really be needed if you don’t pay attention. Coverages like vanishing deductibles, death and dismemberment, and Farm Bureau memberships could be just wasting money. They may seem like a good idea when buying your policy, but now you might not need them so think about removing them and cutting costs.
  • Low physical damage deductibles mean high costs – Physical damage coverage, aka comp and collision, protects your Ford from damage. Some instances where coverage would apply are a broken windshield, damage from fire, and having your car stolen. Deductibles for physical damage state the amount of money you are required to pay if a claim is determined to be covered. The more damage repair cost the insured is willing to pay, the lower your rates will be for Windstar insurance.
  • Better rates with anti-theft devices – Buying a car with an alarm system can help bring down rates. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft.
  • Liability protection is peace of mind – Liability insurance will afford coverage if you are ruled to be at fault for damages caused by your negligence. This coverage provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.

Your auto insurance coverage should be tailored to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

For example, these questions could help you determine if your insurance needs may require specific advice.

  • Am I covered when pulling a rental trailer?
  • Do I need higher collision deductibles?
  • Do I need replacement cost coverage on my 1995 Ford Windstar?
  • Do I need special endorsements for business use of my vehicle?
  • Does my insurance cover a custom paint job?
  • Am I better off with higher deductibles on my 1995 Ford Windstar?
  • Is there coverage for injuries to my pets?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my nanny covered when driving my vehicle?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Smaller companies may have the best rates

Drivers can’t ignore all the ads that claim the lowest car insurance rates by Progressive, Allstate and GEICO. They all make an identical promise that people will save if you just switch your coverage.

How does every company offer drivers better rates? Here is the trick they use.

Different companies have specific characteristics for the type of customer that is profitable for them. One example of a profitable insured may need to be over the age of 50, has a low-risk occupation, and has a high credit rating. Any new insured who matches those parameters will qualify for the lowest premium rates and therefore will cut their rates if they switch.

Insureds who do not match the requirements will be charged a more expensive rate which leads to the customer buying from a different company. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can confidently make it sound like they have such great prices.

That is why you should compare free insurance quotes often. Because you cannot predict the company that will provide you with the cheapest premium rates.

Auto insurance coverage information

Understanding the coverages of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like X-ray expenses, hospital visits, EMT expenses, ambulance fees and pain medications. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as medical services, repair bills for other people’s vehicles, loss of income and medical expenses. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Windstar.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Collision protection

Collision coverage pays to fix your vehicle from damage 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 things such as crashing into a ditch, hitting a parking meter, crashing into a building, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers 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 insurance covers claims such as falling objects, hitting a bird, damage from flooding and fire damage. The maximum 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.

Compare but don’t skimp

Drivers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, high rates after DUI convictions and delays in responding to claim requests. Regardless of your reason, finding a new car insurance company can be pretty painless.

The cheapest 1995 Ford Windstar insurance is available both online in addition to many insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer online price quotes and these regional insurance providers provide coverage only through local independent agencies.

We’ve covered many tips how you can shop for 1995 Ford Windstar insurance online. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from the smaller companies.

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Comments About 1995 Ford Windstar Insurance

  1. Janell Hudson

    I got decent rates for a 1995 Ford Windstar in Wilmington, Delaware. Ended up at about $70 every six months with AAA. My Ford doesn’t have full coverage.

  2. Marivel Gonzalez

    Great site. I’m in the south part of Aberdeen, SD. Quoted quotes from 21st Century, Liberty Mutual, and Encompass for my Ford and I’m now saving $14 a month. Teenage drivers are expensive! Wish I didn’t have to insure at all.

  3. Raelene Blair

    I live in Saint Paul, MN. I quoted with Liberty Mutual, AAA, Nationwide, and a couple others for my 1995 Ford Windstar and saved just over $80 a year. Was with Safeco. Switched homeowners coverage too. I got prices on the web.

  4. Jesus Stokes

    If you don’t have tickets and live in the vicinity of Houston, TX, check out 21st Century. You might save some money. Was with USAA. Have an at-fault accident tho. Still almost need a second mortgage.

  5. Leslee Hoover

    I’m in the west part of Houston, Texas. I got free quotes with 21st Century, Hartford, and Farmers for my Windstar and am saving around $110 a year. Switched homeowners coverage too. Not sure if rates are cheaper online or through an agent. I think I’ll get rid of full coverage next time.

  6. Abdul Hayden

    I think I’m paying too much. I live just outside Reno, Nevada. Can’t remember who all I quoted but I ended up saving about $20 each month. Thankfully I have a good driving record. Not worth enough to pay for comprehensive and collision.

  7. Rickie Gordon

    Hope my rates come down. I’m in the suburbs of Tulsa, Oklahoma. Not sure of all the companies but I ended up saving about $20 each month. Was with 21st Century. BTW speeding tickets are not good. Book value doesn’t justify full coverage anymore.

  8. Shawnna Hardin

    Cheap car insurance? What’s that? Proud to be from Indianapolis, IN. Compared quite a few companies. Saved about $30 a month. Allstate was the cheapest for me. Was with GEICO. They have a lot of discounts available. I don’t put full coverage on it.

  9. Shonta Salazar

    I live just outside Juneau, Alaska. Quoted with Allstate, Farmers, and Hartford for my Windstar and I think I am saving around $20 each month. BTW speeding tickets are not good. :) I don’t insure for physical damage though.

  10. Alita Ortega

    I’ve bought from Progressive forever. Cheapest rates in Salt Lake City, Utah.

  11. Dixie Henderson

    21st Century was cheapest for my 1995 Ford Windstar in Raleigh, North Carolina.

  12. Renee Alvarez

    From Jersey City, NJ. Got car insurance prices from Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my 1995 Ford Windstar and I think I cut my rates about $20 each month.

  13. Shelley Blackwell

    Located in Saint Paul, MN. Quoted rates from 21st Century, Eastwood, and Liberty Mutual for my Windstar and I think I saved around $20 each month. Was with Hanover. Even increased coverage a bit. Just liability coverage since it’s getting old.

  14. Hector Evans

    Does Delaware have minimum liability requirements?

  15. Paul Camacho

    IT’S ALL TOO EXPENSIVE! I live just to the south of Overland Park, Kansas. Got quotes from GEICO, The General, and Farmers for my Ford and saved $117 a year. Left Eastwood to switch. Even increased coverage a bit.