1999 Ford Windstar Cargo Insurance Quotes – 5 Tricks for Cheapest Rates

Searching for cheaper auto insurance rates for your Ford Windstar Cargo? Finding a different company that has inexpensive auto insurance is challenging if you haven’t ever used rate quotes online. But relax because there is an easy way to compare rates.

You should make it a habit to compare prices at least once a year because prices trend upward over time. Even if you got the best rate on Windstar Cargo coverage six months ago the chances are good that you can find a lower premium rate today. There are a lot of ways to save on auto insurance out there, but in just a couple of minutes you can learn some tested techniques to save money.

Save a ton with these five discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you purchase, but a few must be requested specifically prior to receiving the credit.

  • Discounts for Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Save with More Vehicles Insured – Insuring multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.
  • Savings for New Vehicles – Buying insurance on a new vehicle may earn a small discount since new model year vehicles are generally safer.
  • Homeowners Pay Less – Owning a house can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
  • Discount for Passive Restraints – Cars that have air bags may qualify for discounts up to 30%.

Remember that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, you aren’t that lucky. But any discount will positively reduce the amount you pay for coverage.

Large insurance coverage companies and some of the discounts include:

  • GEICO offers premium reductions for emergency military deployment, five-year accident-free, military active duty, air bags, and anti-lock brakes.
  • SAFECO includes discounts for homeowner, teen safety rewards, multi-car, bundle discounts, anti-lock brakes, and drive less.
  • State Farm has discounts for passive restraint, Steer Clear safe driver discount, defensive driving training, driver’s education, safe vehicle, multiple autos, and Drive Safe & Save.
  • MetLife has savings for good student, good driver, defensive driver, multi-policy, and claim-free.
  • 21st Century may have discounts that include driver training, air bags, early bird, defensive driver, homeowners, student driver, and automatic seat belts.
  • Progressive may include discounts for continuous coverage, online quote discount, multi-vehicle, good student, and multi-policy.

If you need affordable auto insurance quotes, ask each company or agent which discounts you qualify for. Some discounts listed above may not be available in your area. To see insurance coverage companies that provide some of the discounts listed above, click here to view.

Car insurance can be complex

When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

  • Does insurance cover tools stolen from my truck?
  • How much underlying liability do I need for an umbrella policy?
  • Do I have coverage if my license is suspended?
  • Can I drive in Mexico and have coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • When should I remove comp and collision on my 1999 Ford Windstar Cargo?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Well known brands might not be cheapest

Auto insurance companies such as 21st Century, Allstate and State Farm endlessly run television, radio, and online ads. All the ads advertise the message that drivers will save a bundle just by switching your coverage. How does each company charge you less for car insurance? Here is the trick they use.

Insurance providers have an ideal profile for the type of driver that earns them the highest profit. A good example of a preferred risk could possibly be between 30 and 50, has no prior claims, and chooses high deductibles. A driver who fits that profile will get very good premium rates and will pay quite a bit less when switching companies.

Insureds who do not meet these criteria must pay higher rates and ends up with the prospect going elsewhere. If you pay attention, the ads say “customers who switch” not “all people who quote” save money. That is how insurance companies can state the savings. Because of these techniques, drivers should get auto insurance quotes as often as possible. It is impossible to guess which auto insurance company will have the lowest premium rates for your situation.

Learn about insurance coverages for a 1999 Ford Windstar Cargo

Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability insurance

This will cover damages or injuries you inflict on other’s property or people in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like bail bonds, emergency aid and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, theft, hail damage and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

Collision insurance will pay to fix damage to your Windstar Cargo from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like surgery, prosthetic devices and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Shop. Compare. Save.

Insureds who switch companies do it for a variety of reasons including lack of trust in their agent, unfair underwriting practices, delays in paying claims or extreme rates for teen drivers. Whatever your reason, finding a new company is easier than you think.

A few companies don’t offer internet price quotes and many times these regional carriers prefer to sell through local independent agents. More affordable auto insurance can be purchased both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where someone dropped liability coverage limits and learned later that they should have had better coverage. Your aim should be to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

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