1996 Ford Windstar Car Insurance Quotes – 10 Tips for Best Rates

Getting the most affordable insurance might appear rather challenging for beginners to online price comparisons. With such a large number of agents and online companies, how can consumers possibly compare them all to find better insurance prices?

Consumers need to do price comparisons quite often due to the fact that insurance rates change quite often. Just because you found the best deal on Windstar insurance on your last policy there may be better deals available now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the easiest way to find better coverage at a better price.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Pricing cheaper protection is quite easy. But vehicle owners must know the methods companies use to determine prices because it can help you find the best coverage.

Car insurance policy discounts you can’t miss

Companies don’t always publicize all available discounts very well, so the list below gives a summary of some of the more common and the more hidden discounts that may be available.

  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and can earn a small discount on your policy.
  • Mature Driver Discount – If you’re over the age of 55, you may receive a slight reduction on a auto insurance quote on Windstar insurance.
  • Renewal Discounts – A few car insurance companies offer discounts for buying a policy prior to your current policy expiration. Ten percent is about the average savings.
  • Low Mileage Discounts – Low mileage vehicles may allow you to get substantially lower rates.
  • Student Discounts – Maintaining excellent grades can save 20 to 25%. You can use this discount normally up to age 25.
  • Save with a New Car – Buying car insurance coverage on a new vehicle can get you a discount because new model year vehicles are generally safer.
  • Multi-policy Discount – If you have multiple policies with one insurance company you could earn a discount of approximately 10% to 15%.
  • Air Bag Discount – Factory options such as air bags could see savings up to 30%.
  • Data Collection Discounts – Drivers that enable their company to track their driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they have good driving habits.
  • Use Seat Belts – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.

As is typical with insurance, most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, companies wouldn’t make money that way.

To find companies that offer many of these discounts, click this link.

Insurance agents can help

When buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different.

For example, these questions could help you determine whether your personal situation might need professional guidance.

  • Why do I only qualify for high-risk insurance?
  • Is my custom paint covered by insurance?
  • Do I need rental car coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is there coverage for injuries to my pets?
  • Do I need special endorsements for business use of my vehicle?
  • Is my camper covered by my car insurance policy?
  • What can I do if my company won’t pay a claim?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Insurance savings promises

Popular insurance providers such as Progressive, Allstate and GEICO continually stream television, radio, and online ads. They all advertise claims that drivers will save a bundle just by switching to them. That’s great but how can every company give you a better price? It’s all in the words they use.

All companies give the cheapest rates for the type of driver that earns them a profit. A good example of this type of risk profile could be between the ages of 30 and 45, has no prior claims, and chooses high deductibles. A driver who matches that profile will get very good rates and will also save a lot of money.

Insureds who don’t qualify for the ideal profile may be forced to pay a more expensive rate which usually ends up with the customer buying from someone else. The ad wording is “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s why insurance companies can confidently make those statements. Because of these techniques, it’s extremely important to do a price quote comparison at every renewal. Because you cannot predict which insurance company will be your best fit.

Auto insurance coverage information

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage

Collision insurance will pay to fix damage to your Windstar resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, crashing into a building, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Liability coverages

Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims like attorney fees, medical services and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Med pay and PIP coverage pay for bills for pain medications, rehabilitation expenses and dental work. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, fire damage and a broken windshield. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

The best insurance company isn’t always the cheapest

Some car insurance companies do not provide internet price quotes and usually these regional carriers only sell through independent insurance agencies. Lower-priced car insurance can be found on the web in addition to many insurance agents, and you should compare rates from both to have the best selection.

We just covered many ideas to save on 1996 Ford Windstar insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from some of the lesser-known companies.

When shopping online for car insurance, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage at the best price while still protecting your assets.

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Comments About 1996 Ford Windstar Insurance

  1. Azalee Barrett

    I got a good deal I think. I’m from Allentown, PA. Quoted with Safeco, Esurance, Allstate, and Amica for my Ford and saved $63 a year. Thankfully I’m not a high risk driver. Still almost need a second mortgage. My Ford doesn’t have full coverage.

  2. Jacqui Martinez

    Anyone find cheap rates around San Antonio, Texas?

  3. Kareem Espinoza

    I got decent rates for a 1996 Ford Windstar in Mobile, AL. Ended up at right around $100 every six months with Auto-Owners. Was with MetLife. I have several vehicles insured with them. I don’t put full coverage on it.

  4. Olympia Shepard

    I live on the south side of Manchester, New Hampshire. Got car insurance prices from AIG Insurance, Erie, and Sentry for my Ford and saved $65 a year. I got prices on the web. It’s only liability tho.

  5. Lita Pate

    I found affordable 1996 Ford Windstar insurance from Allstate in Juneau, Alaska.

  6. Jerilyn Wong

    Lots of good stuff here. From a town just southwest of Worcester, MA. Got quotes with Amica, Nationwide, and a few others for my Windstar and cut my rates about $80 a year. Full coverage costs too much.

  7. Renea Ferguson

    Just my two cents. Quoted with Auto-Owners for my 1996 Ford Windstar and cut my rates about $90 a year.

  8. Pearl Morton

    I’m in the south part of Fairbanks, AK and for me State Farm had the lowest quote. Hardly afford to drive anymore. Only insure liability on my Ford.

  9. Alejandro Henson

    I’m in the suburbs of Pittsburgh, PA. I got free quotes from Sentry, Encompass, GEICO, and AAA for my 1996 Ford Windstar and saved $108 a year. It’s only liability tho.

  10. Carlota Hernandez

    I found pretty cheap rate quotes for a 1996 Ford Windstar in Hartford, CT. Ended up at about $110 every six months with AAA. Was with Farmers. I dropped full coverage awhile back.

  11. Leonel Harmon

    Liked the article. From northwest of Rochester, NY. Quoted quotes from AAA, Sentry, and USAA for my 1996 Ford Windstar and I’m now saving $23 a month. Anyone else drop full coverage?

  12. Todd Mason

    Will State Farm be cheaper if I raise deductibles?

  13. Renae Washington

    I live in a small town just outside of Huntington, WV. Received quotes from Progressive, Auto-Owners, and some I forget for my 1996 Ford Windstar and I’m now saving $16 a month. Was with MetLife.

  14. Suzan Gomez

    21st Century is pretty cheap in Nevada! :)

  15. Rikki Solis

    In Dover, DE, Allstate auto insurance rates for my 1996 Ford Windstar were good. I get a discount for insuring multiple vehicles. It’s easy to compare rates online now. I dropped full coverage awhile back.

  16. Susannah Lee

    Does GEICO insure at replacement cost?

  17. Joette Galloway

    Live in Owensboro, Kentucky. I don’t recall every quote but I ended up saving about $20 each month. I have a teen driver too. Not sure about claim service.