Compare 1998 Ford Windstar Cargo Insurance Quotes

Don’t be shocked that most credits do not apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

If you would like to see a list of insurance companies that offer many of these discounts, click this link.

Insurance price influencing factors

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for insurance. If you understand what determines premiums, this enables you to make decisions that may result in lower insurance prices.

• Theft deterrents save – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft and help lower rates.
• Commute or pleasure use – The more you drive your Ford in a year’s time the more you’ll pay to insure your vehicle. A lot of insurance companies calculate prices based upon how the vehicle is primarily used. Autos that sit idle most of the time get more affordable rates compared to those used for work or business. It’s a good idea to make sure your insurance policy properly reflects the correct driver usage. Having the wrong rating on your Windstar Cargo may be costing you higher rates.
• A linsurance lapse is a bad thing – Driving any period of time without insurance is not a good idea and your next policy will cost more because you let your insurance lapse. Not only will rates go up, the inability to provide proof of insurance can result in a license revocation or jail time.
• Less chance of injury means lower prices – Cars with five star safety ratings tend to be cheaper to insure. The safest vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims which can mean better rates for you. If your Ford scored at minimum four stars on Safercar.gov you may qualify for a discount.
• Poor driving leads to higher prices – Your driving citation history has a big impact on rates. Even a single ticket can increase the cost of insurance substantially. Good drivers have lower premiums compared to drivers with tickets. Drivers who have gotten serious citations like DUI or reckless driving may need to prove financial responsibility with their state DMV in order to legally drive.

How to know if you need help

When buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions could help you determine if you may require specific advice.

• I have good health insurance, so how much medical payments coverage do I need?
• Am I missing any policy discounts?
• Can I afford low physical damage deductibles?
• Do I need an umbrella policy?
• Why am I be forced to buy a membership to get insurance from some companies?
• Why do I need rental car insurance?
• Should I buy full coverage?
• Is rental equipment covered for theft or damage?
• When can I cancel my policy?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverage specifics

Having a good grasp of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Coverage for medical expenses – Med pay and PIP coverage pay for short-term medical expenses for things like doctor visits, pain medications, funeral costs and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Ford Windstar Cargo.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a bird, theft and vandalism. The maximum amount you’ll receive from a claim 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.

Auto liability insurance – Liability insurance will cover injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as structural damage, court costs and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

A fool and his money are soon parted

Discount 1998 Ford Windstar Cargo insurance is attainable both online in addition to local insurance agencies, and you need to price shop both to have the best chance of lowering rates. Some companies do not offer the ability to get quotes online and most of the time these regional insurance providers sell through independent insurance agents.

Drivers who switch companies do it for many reasons like policy cancellation, poor customer service, high prices or even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new auto insurance company can be pretty painless.

When you buy insurance coverage online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

More information can be found at these links:

• Auto Insurance 101 (About.com)
• Things to Know Before you Cancel Insurance (Allstate)
• Electronic Stability Control FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)