2003 Ford Windstar Car Insurance Cost – 5 Tips for Best Prices

Shoppers have a choice when shopping for low-cost Ford Windstar insurance. You can either waste hours driving around to compare prices or use the internet to make rate comparisons.

There is a right way and a wrong way to compare car insurance rates and we’ll show you the absolute fastest way to get price quotes for a new or used Ford and find the cheapest rates.

You should make it a habit to compare prices before your next renewal since prices are variable and change quite frequently. Even if you got the lowest rate for Windstar coverage six months ago you can probably find a better premium rate now. You’ll find quite a bit of inaccurate information about car insurance on the web, but we’re going to give you some proven techniques to slash your car insurance rates.

If you have a current car insurance policy or are looking for a new policy, you can use these tips to reduce the price you pay while maximizing coverage. The purpose of this article is to familiarize you with the most effective way to quote insurance and some tricks to saving. Drivers just need to understand the proper way to buy car insurance online.

Compare free auto insurance rate quotes

Getting a cheaper price on 2003 Ford Windstar insurance is an easy way to save money. Consumers just need to take the time to get quotes to find. It’s super easy and can be done in several different ways.

1. The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form saves time by eliminating repetitive form submissions for every company. One form will return price quotes from all major companies. It’s definitely the quickest method.
2. A harder way to get comparison quotes requires visiting each individual company website to complete their respective quote request forms. For examples sake, we’ll pretend you need rates from Liberty Mutual, Progressive and Farmers. You would be required to take the time to go to each site and enter your information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

The method you choose is up to you, but try to keep exactly the same quote information for each quote you get. If you are comparing different coverage information it will be nearly impossible to determine which rate is truly the best.

Reduce your insurance coverage rates with these five discounts

Companies offering auto insurance do not advertise every available discount very well, so the following is a list of both well-publicized as well as the least known savings tricks you should be using when you buy insurance coverage online.

• Good Student Discount – This discount could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
• Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you could save 5% or more.
• Online Discount – Many larger companies will provide an incentive simply for signing on the web.
• Own a Home – Being a homeowner can save a few bucks because maintaining a house demonstrates responsibility.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it can save substantially.

Don’t be shocked that many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will help reduce the amount you pay for coverage.

Large insurance coverage companies and the discounts they provide are shown below.

• Progressive discounts include homeowner, multi-vehicle, multi-policy, online signing, and good student.
• The Hartford includes discounts for air bag, defensive driver, good student, anti-theft, driver training, bundle, and vehicle fuel type.
• Mercury Insurance has discounts for anti-theft, multi-policy, good student, ease of repair, and good driver.
• Geico policyholders can earn discounts including daytime running lights, anti-lock brakes, defensive driver, five-year accident-free, membership and employees, and emergency military deployment.
• AAA has savings for good student, good driver, AAA membership discount, anti-theft, multi-policy, pay-in-full, and multi-car.
• State Farm offers discounts including Steer Clear safe driver discount, multiple autos, good driver, accident-free, and multiple policy.

Before buying, ask each company what discounts are available to you. Some discounts may not apply to policyholders in every state. If you would like to view providers who offer insurance coverage discounts, click this link.

You are unique and your car insurance should be too

When it comes to choosing the best car insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

• Why does it cost so much to insure a teen driver?
• Can I drive in Mexico and have coverage?
• Where can I find high-risk insurance?
• Do I benefit by insuring my home with the same company?
• Does medical payments coverage apply to all occupants?
• Is my babysitter covered when using my vehicle?
• Are my tools covered if they get stolen from my vehicle?
• How much underlying liability do I need for an umbrella policy?
• Can I afford to buy a different vehicle if my 2003 Ford Windstar is totaled?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Coverages available on your insurance policy

Having a good grasp of your policy can help you determine the best coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability

Liability insurance will cover damage that occurs to other people or property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, repair bills for other people’s vehicles, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Windstar.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as nursing services, chiropractic care, funeral costs and ambulance fees. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage covers damage to your Windstar resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, rock chips in glass, damage from a tornado or hurricane, falling objects and theft. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Best coverage at the best price

Drivers leave their current company for a number of reasons such as unfair underwriting practices, delays in paying claims, poor customer service and high prices. It doesn’t matter why you want to switch choosing a new company is easier than you think.

When searching for the cheapest insurance coverage quotes, don’t be tempted to reduce coverage to reduce premium. In too many instances, an accident victim reduced liability coverage limits only to regret that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

The cheapest 2003 Ford Windstar insurance is definitely available on the web and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and these smaller companies work with local independent agencies.

For more information, link through to the articles below:

• Coverage Information (Progressive Insurance)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)