1997 Ford Windstar Cargo Insurance Quotes – 8 Discounts for Cheaper Rates

Did budget coverage turn out to be overpriced auto insurance? Trust us, many consumers are in the same pinch.

Consumers have so many auto insurance companies to purchase coverage from, and though it is a good thing to have a selection, more options can take longer to compare rates and find the lowest cost auto insurance.

Shop insurance online

To get inexpensive auto insurance quotes, there a variety of ways of comparing rates from lots of insurance companies. The quickest method to find competitive Ford Windstar Cargo insurance rates consists of shopping online. This can be accomplished using a couple different methods.

The most recommended method to find low rates would be an industry-wide quote request form click to view form in new window. This easy form saves time by eliminating separate quotes for every prospective company. One form submission gets coverage cost estimates from multiple low-cost companies.

A less efficient way to find better pricing requires a visit to each company’s website to complete their respective quote request forms. For examples sake, we’ll pretend you want comparison quotes from Allstate, State Farm and GMAC. You would need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

The final method to find lower rates is to spend time driving to different agent offices. Comparing online rate quotes makes this process obsolete unless you prefer the professional advice that can only be provided by a licensed insurance agent. It is possible with some companies get prices online but purchase the actual policy in an agency.

You can use whichever method you prefer to find lower rates, just be sure you’re using exactly the same coverage data for each quote you get. If you have different data it will be nearly impossible to make a fair comparison for your Ford Windstar Cargo. Having just a slight variation in coverages may cause a big price difference. And when quoting insurance, remember that having more price comparisons increases your odds of finding the best rates.

Verify you’re receiving every discount

Some insurance providers don’t always advertise the entire discount list very well, so we break down some of the more common and also the more inconspicuous credits that may apply to you.

• Passive Restraint Discount – Factory air bags or motorized seat belts may get savings of 20% or more.
• Save with More Vehicles Insured – Insuring primary and secondary vehicles on a single policy can reduce the rates for all insured vehicles.
• Driver Safety – Participating in a class that teaches defensive driver techniques could save 5% or more depending on where you live.
• Government Employees – Simply working for the federal government could qualify for a slight premium decrease on Windstar Cargo coverage with some car insurance companies.
• Discount for Life Insurance – Larger insurance companies have better premium rates if you take out some life insurance too.
• Low Mileage – Fewer annual miles on your Ford could qualify for lower prices due to less chance of an accident.
• E-sign Discounts
• Safe Driver Discounts – Accident-free drivers can save up to 40% or more on their auto insurance quote on Windstar Cargo coverage compared to accident prone drivers.

As a sidenote, some of the credits will not apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, it’s just not the way it works.

To view companies who offer discounts, click here to view.

When should I discuss my situation with an agent?

When choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so this has to be addressed. These are some specific questions might help in determining if your insurance needs will benefit from professional help.

• What can I do if my company denied a claim?
• How much can I save by bundling my policies?
• Why is insurance for a teen driver so high?
• Should I buy only the required minimum liability coverage?
• Am I covered by my spouse’s policy after a separation?
• I don’t drive much so do I pay less?
• Are my friends covered when driving my 1997 Ford Windstar Cargo?
• Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Can you really save if you switch?

Car insurance companies such as Allstate, Geico and Progressive seem to constantly run ads on TV and radio. All the ads convey the message that drivers will save a bundle if you change to them. How can each company charge you less for auto insurance?

Insurance companies have specific criteria for the right customer that makes them money. For example, a profitable risk profile might be described as a married male, carries high limits, and does not commute to work. Any person that matches those criteria will get the preferred rates and will most likely save a lot of money.

Drivers who are not a match for these criteria may be required to pay more expensive rates which translates to the customer buying from someone else. If you pay attention, the ads say “people that switch” not “everyone that quotes” can save as much as they claim. That’s why companies can truthfully make it sound like they have such great auto insurance rates.

This really drives home the point why it’s extremely important to do a rate comparison at every renewal. It is impossible to predict which car insurance company will fit you best based on your risk profile.

Specific coverage details

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on the average car insurance policy.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, scraping a guard rail, hitting a mailbox, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, hitting a bird, damage from getting keyed, theft and hitting a deer. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability – This will cover damages or injuries you inflict on other’s property or people in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, loss of income and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as much as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for hospital visits, pain medications, doctor visits and X-ray expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers 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

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Windstar Cargo.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Saving money is sweet as honey

We just covered some good ideas how to get a better price on 1997 Ford Windstar Cargo insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small local company. Smaller companies may only write in your state and offer lower premium rates compared to the large companies like Progressive or Geico.

Lower-priced car insurance can be found from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not have rates over the internet and usually these regional carriers work with independent insurance agents.

To learn more, feel free to browse the resources below:

• Where can I buy Insurance? (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• Alcohol Impaired Driving FAQ (iihs.org)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)