1999 Ford Windstar Cargo Insurance Rates – 10 Tips for Cheaper Quotes

Trying to find better insurance rates for your Ford Windstar Cargo? Buying discount insurance may at first seem to be intimidating for vehicle owners not familiar with comparing and buying insurance over the internet. With so many companies, how are we expected to have a chance to compare every company to locate the best price?

You should make it a habit to compare premium rates yearly since prices are rarely the same from one policy term to another. Even if you got the lowest rate for Windstar Cargo insurance a year ago there may be better deals available now. Forget all the misinformation about insurance because it’s time to teach you the proper way to save on insurance.

Car insurance policy discounts

Auto insurance companies do not advertise the complete list of policy discounts in a way that’s easy to find, so the following is a list of a few of the more well known and the harder-to-find credits available to you.

  • Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class in school.
  • Bundled Policy Discount – When you combine your auto and home insurance and insure them with the same company you could save nearly 15% which can help you find affordable car insurance.
  • Service Members Pay Less – Being on active deployment in the military could be rewarded with lower rates.
  • Sign Online – Some of the larger companies may give you up to $50 get car insurance digitally online.
  • No Accidents – Drivers who don’t have accidents can earn big discounts as opposed to drivers who are more careless.
  • Driver Safety – Completing a safe driver course could possibly earn you a 5% discount and make you a better driver.
  • Discounts for New Vehicles – Buying car insurance coverage on a new vehicle may earn a small discount since newer models are generally safer.
  • Drive Less and Save – Keeping the miles down on your Ford may allow you to get slightly better rates than normal.
  • Life Insurance Discount – Companies who offer life insurance give a discounted premium rate on car insurance if you buy some life insurance too.
  • Discounts for Government Workers – Simply working for the federal government may qualify for a discount when you quote car insurance for Windstar Cargo insurance depending on your company.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like you could get a free car insurance policy, you aren’t that lucky. Any qualifying discounts will positively reduce your overall premium however.

Insurance companies that have many of the previously listed discounts include:

Before you buy a policy, ask each insurance company which credits you are entitled to. All car insurance discounts may not be offered in every state. For a list of insurers that offer the discounts shown above, click here to view.

Brand name doesn’t guarantee savings

Insurance coverage providers like Allstate and Progressive seem to constantly run ads in print and on television. They all seem to make the same claim about savings if you switch your coverage to them. Is it even possible that every company can make almost identical claims? This is the trick they use.

Insurance companies give the cheapest rates for a prospective insured that earns them the highest profit. An example of this type of driver might be between 30 and 50, has a low-risk occupation, and drives less than 5,000 miles a year. A driver that hits that “sweet spot” will probably get the lowest prices and will probably pay quite a bit less when switching companies.

Potential customers who fall short of these standards will see higher prices and this can result in business going elsewhere. The ad wording is “people that switch” not “all people who quote” save that kind of money. That’s why companies can truthfully make the claims of big savings.

Because of the profiling, you really should compare rate quotes every year. Because without a comparison, you cannot know which insurance companies will have the lowest rates.

How do I know if I need professional advice?

When it comes to choosing coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different.

For example, these questions might help in determining if you might need an agent’s assistance.

  • Is my dog or cat covered if injured in an accident?
  • Am I covered when pulling a rental trailer?
  • At what point should I drop full coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is extra glass coverage worth it?
  • Do I need roadside assistance coverage?
  • What if I owe more than I can insure my car for?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Specific coverages for a 1999 Ford Windstar Cargo

Learning about specific coverages of your insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Collision coverage

Collision insurance will pay to fix damage to your Windstar Cargo caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, crashing into a ditch, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from flooding and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants 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 a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for nursing services, chiropractic care and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

This can cover injuries or damage you cause to people or other property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like funeral expenses, repair costs for stationary objects, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as large an amount as possible.

More choices the merrier

Drivers switch companies for any number of reasons including high rates after DUI convictions, poor customer service, high prices or policy cancellation. Regardless of your reason, choosing a new company is easier than you think.

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There are too many instances where someone dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

We covered a lot of tips how to shop for 1999 Ford Windstar Cargo insurance online. It’s most important to understand that the more you quote car insurance, the higher your chance of finding affordable car insurance. Consumers could even find that the most savings is with an unexpected company.

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Comments About 1999 Ford Windstar Cargo Insurance

  1. Irish Justice

    Like your site, BTW. Checking in from Tucson, Arizona. Compared rates from a lot of places. Saved darn near $20 a month. State Farm was the cheapest for me. My Ford doesn’t have full coverage.

  2. Michal Moore

    From New York City, New York. Quoted quotes from Progressive, AIG Insurance, and some I forget for my 1999 Ford Windstar Cargo and I’m now saving $17 a month. Left State Farm to switch. A clean driving record helps. I just carry liability insurance.

  3. Rolando Austin

    Nice post. From a town just southwest of Wichita, KS. Received rates from Amica, Sentry, and a few others for my Windstar Cargo and am saving around $100 a year. You can get a rate quote online.

  4. Alesia Simpson

    In Montgomery, Alabama, GEICO auto insurance rates for my 1999 Ford Windstar Cargo were good. Not sure if rates are cheaper online or through an agent. Just liability coverage since it’s getting old.

  5. Brian Mcintosh

    IT’S ALL TOO EXPENSIVE! Lifelong resident of Rochester, NY. I quoted with Amica, Mercury, and some smaller one I can’t remember the name of for my 1999 Ford Windstar Cargo and I think I saved about $20 each month. I’m a pretty low risk driver. You can get a rate quote online.

  6. Asha Bentley

    I’m in Salt Lake City, UT. I got free prices from AIG Insurance, Mercury, and some smaller one I can’t remember the name of for my Ford and saved about $80 a year. My new agent seems to be really good. God forbid I actually have a claim.

  7. Ghislaine Burt

    Anyone like their agent?

  8. Claudia Rosa

    I’m just east of Atlanta, GA. I quoted with 21st Century, Amica, Farmers, and GMAC for my 1999 Ford Windstar Cargo and saved just over $60 a year. They have free quotes online. Anyone else drop full coverage?

  9. Lashunda Watkins

    When do I drop full coverage?

  10. Mckinley Rowland

    In Salt Lake City, UT, Progressive is a good choice.

  11. Kareem Simpson

    Went with MetLife for my Windstar Cargo and am saving around $90 a year. Was with Erie. It’s too old for full coverage.

  12. Clayton Conner

    Will Progressive cancel if I have a claim?

  13. Krystal Huffman

    Cheap is relative. I live on the south side of Oklahoma City, Oklahoma. Got quotes with GEICO, AIG Insurance, and Farmers for my Windstar Cargo and saved just over $110 a year. My new agent seems to be really good. Are quotes cheaper online? I dropped full coverage awhile back.

  14. Ivonne Conley

    If you’re a decent driver and are close to Philadelphia, Pennsylvania, check out 21st Century. I saved quite a bit. Left Mercury to switch.