1999 Ford Windstar Insurance Rates – 6 Ways to Save

Trying to find low-cost insurance for your Ford Windstar can turn out to be an all-consuming task, but you can use our insurance buying tips to make it easier. There is a better way to compare insurance rates and you need to know the absolute fastest way to compare rates for your Ford and find the cheapest rates from local insurance agents and online providers.

Consumers should take time to do price comparisons before your next renewal because prices are adjusted regularly by insurance companies. If you had the best deal for Windstar insurance six months ago there is a good chance you can find better premium rates now. Block out anything you think you know about insurance because you’re about to learn how to use online quotes to remove unneeded coverages and save money.

Finding the best rates is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you will benefit by learning to cut your premiums while maximizing coverage. Consumers only need an understanding of how to shop their coverage around on the web.

Cheap car insurance rates with discounts

Insurance can be prohibitively expensive, but companies offer discounts that many consumers don’t even know exist. Most are applied when you get a quote, but some discounts are required to be asked for prior to receiving the credit.

• Auto/Life Discount – Larger car insurance companies have a lower price if you buy some life insurance in addition to your auto policy.
• Discounts for Government Workers – Federal government employees may reduce rates when you quote insurance coverage for Windstar insurance with a few car insurance companies.
• Military Discounts – Having a deployed family member could mean lower prices.
• Smart Student Discounts – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
• Waiver for an Accident – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free for a specific time period.
• Air Bag Discount – Factory air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears all those discounts means the company will pay you, it’s just not the way it works.

A few popular companies and a summarized list of policyholder discounts include:

• American Family offers premium reductions for good student, air bags, mySafetyValet, early bird, defensive driver, TimeAway discount, and Steer into Savings.
• Nationwide may include discounts for accident-free, multi-policy, family plan, easy pay, good student, business or organization, and anti-theft.
• MetLife may offer discounts for multi-policy, accident-free, good student, claim-free, good driver, defensive driver
• 21st Century may have discounts that include theft prevention, early bird, driver training, student driver, anti-lock brakes, air bags, and automatic seat belts.
• Farmers Insurance has discounts for alternative fuel, distant student, electronic funds transfer, switch companies, and youthful driver.
• Allstate offers discounts for eSmart discount, multi-policy, premier plus, EZ pay plan discount, and defensive driver.

When getting a coverage quote, ask all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders in every state.

Auto insurance companies are expert advertisers

Consumers can’t escape the ads for the lowest price auto insurance from the likes of Progressive, Geico, Allstate and State Farm. All the companies advertise claims of big savings just by switching your coverage to them.

Is it even possible that every company can cost less than your current company? It’s all in the wording.

Auto insurance companies quote their best rates for the type of driver that is profitable for them. For instance, this type of driver could be between 25 and 40, has a clean driving record, and the vehicle is rated for pleasure use. Any driver who meets those qualifications receive the lowest rate quotes and therefore will save a lot of money.

Potential customers who cannot meet the “perfect” profile will have to pay more expensive rates and ends up with the prospect going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully make it sound like they have such great car insurance rates. This illustrates why you need to do a quote comparison often. Because you never know which auto insurance company will provide you with the cheapest rates.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

• When should my teen driver be added to my policy?
• Should I buy full coverage?
• How much liability do I need to cover my assets?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is my camper covered by my car insurance policy?
• Should I buy only the required minimum liability coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I have newly-aquired coverage?
• Is my trailer covered?
• Does car insurance cover theft of personal property?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverage basics

Knowing the specifics of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, hail damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Ford Windstar.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as hospital visits, pain medications, ambulance fees, doctor visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for liability – This can cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as attorney fees, pain and suffering, structural damage, loss of income and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – Collision coverage pays for damage to your Windstar from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a building, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Saving money is sweet as honey

When getting insurance coverage quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.

We covered quite a bit of information on how to shop for 1999 Ford Windstar insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost insurance coverage. Drivers may discover the lowest premium rates come from some of the smallest insurance companies.

More affordable insurance can be sourced on the web in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer internet price quotes and these small, regional companies provide coverage only through independent agencies.

For more information, feel free to browse the following helpful articles:

• Understanding Limits and Deductibles (Allstate)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)