View 2002 Ford Windstar Insurance Quotes

Want the cheapest insurance rates for your Ford Windstar? Tired of being strong-armed each month for insurance? You have the same problem as many other drivers.

Since you have so many insurance companies to choose from, it’s difficult to find the right insurer.

Compare car insurance quotes online

To find affordable insurance quotes, there are several ways to get quotes from all the different companies. The quickest method to find the cheapest 2002 Ford Windstar insurance rates consists of shopping online. This is quite simple and can be completed in a couple minutes as outlined below.

1. The best way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This form keeps you from doing separate quotation requests for every car insurance company. A single form will return price quotes direct from many companies.
2. Another way to get comparison quotes is going to each company’s website and request a quote. For example, we’ll pretend you want to view quotes from USAA, State Farm and Geico. To find out each rate you need to navigate to each company’s site to input your insurance information, and that explains why we recommend the first method.

   To view a list of companies in your area, click here.

Which method you use is up to you, but try to keep apples-to-apples coverage information with each company. If your comparisons have differing limits it will be very difficult to determine the best price for your Ford Windstar. Slightly different coverage limits can make a big difference in price. And when quoting car insurance, remember that obtaining a wide range of quotes helps improve the odds of finding the best price.

Situations that may require an agent’s advice

When choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different and your policy should reflect that. These are some specific questions might point out if your situation might need an agent’s assistance.

• When can my company non-renew my policy?
• Can I afford to pay high deductible claims out of pocket?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered if I hit my neighbor’s mailbox?
• Do I need roadside assistance coverage?
• Is a fancy paint job covered?
• What is no-fault insurance?
• If my pet gets injured in an accident are they covered?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my teenager covered with friends in the car?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages for a 2002 Ford Windstar

Understanding the coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverage types offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2002 Ford Windstar.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, theft, hail damage, a broken windshield and damage from a tornado or hurricane. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like X-ray expenses, dental work, rehabilitation expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision insurance

This pays for damage to your Windstar resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, sideswiping another vehicle, rolling your car, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability coverage will cover damage or injury you incur to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like attorney fees, structural damage, funeral expenses, medical expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.