View 1999 Ford Windstar Insurance Quotes

Searching for the cheapest insurance for your Ford Windstar could be difficult, but you can learn the following methods to save time. There are both good and bad ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to price shop coverage on a Ford and find the cheapest rates either online or from local insurance agents.

Insurance quotes comparison

Shopping for lower insurance rates can be exhausting if you don’t utilize the most efficient way. You could spend the better part of a day talking about coverages with agents in your area, or you can stay home and use the web to maximize your effort.

The majority of car insurance companies take part in a program where prospective buyers submit one quote, and each company then returns a price quote based on the submitted data. This saves time by eliminating quote forms to each company.

To enter your information into the quoting system, click here (opens in new window).

The single downside to using this type of system is you are unable to specify the companies you will receive quotes from. So if you prefer to pick specific insurance companies for rate comparison, we have a page of the cheapest insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, make darn sure you compare the same coverage information for each price quote. If your comparisons have different values for each quote it will be nearly impossible to truly determine the lowest rate.

Components of your Ford Windstar insurance costs

Many things are used when premium rates are determined. A few of the factors are predictable like an MVR report, although others are more obscure such as your credit history or how financially stable you are.

  • Eliminate unneeded incidental coverages – There are a lot of add-on coverages that you can get tricked into buying on your insurance policy. Add-on coverages like coverage for rental cars, better glass coverage, and extra life insurance coverage could be just wasting money. They may seem like a good idea initially, but now you might not need them so get rid of them and save.
  • Safer cars lower insurance rates – Safe vehicles get lower rates. Vehicles built for safety reduce the chance of injuries and reduced instances of injuries translates directly to fewer claims and more competitive rates for policyholders.
  • Single drivers take more risk – Having a significant other actually saves money on your policy. It means you’re more mature than a single person and statistics prove married drivers tend to have fewer serious accidents.
  • Tickets are costly – Even a single speeding ticket or other violation may increase your cost substantially. Drivers with clean records get better rates than their less careful counterparts. Drivers unfortunate enough to have dangerous citations such as reckless driving or DUI may find that they have to to maintain a SR-22 to the state department of motor vehicles in order to legally drive.
  • Raising physical damage deductibles lowers premiums – Physical damage deductibles define how much you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Examples of some claims that would be covered would be rearending another vehicle, collision with a deer, and having a roll-over accident. The more of the claim you pay before a claim is paid (deductible), the less your company will charge you for insurance for Windstar insurance.
  • Do you have enough liability protection? – Your insurance policy’s liability coverage provides coverage in the event that a jury decides you are liable for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Vocation stress can affect insurance rates – Did you know your job can affect your rates? Occupations like doctorsairline pilots and dentists tend to pay higher rates than the rest of us due to stressful work requirements and incredibly demanding work hours. On the other hand, careers like farmers, athletes and performers have the lowest average rates for Windstar insurance.

These discounts can slash auto insurance rates

Some providers don’t always advertise every discount in an easy-to-find place, so the list below gives a summary of both the well known and also the more inconspicuous credits that you can use to lower your rates.

  • Low Mileage Discounts – Driving less could be rewarded with better rates on cars that stay parked.
  • Discount for Multiple Policies – When you have multiple policies with the same company you may earn as much as 10 to 15 percent.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like GEICO, State Farm, and Progressive will allow you to have one accident before they charge you more for coverage so long as you are claim-free for a certain period of time.
  • Theft Deterent Discount – Cars and trucks with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Sign Online – A few auto insurance companies give back up to $50 for completing your application on the internet.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school or through a local driver safety program.
  • Discounts for New Vehicles – Buying auto insurance coverage on a new vehicle can be considerably cheaper due to better safety requirements for new vehicles.
  • Auto/Life Discount – Select companies reward you with a discount if you purchase some life insurance too.
  • Pay Early and Save – By paying your entire bill at once instead of paying each month you may have a lower total premium amount.
  • Defensive Driving Course – Successfully completing a class that teaches defensive driving techniques is a good idea and can lower rates and easily pay for the cost of the class.

Discounts lower rates, but many deductions do not apply the the whole policy. Most only cut specific coverage prices like liability and collision coverage. So even though you would think all those discounts means the company will pay you, you aren’t that lucky. Any qualifying discounts will reduce your overall premium however.

A list of auto insurance companies and some of the premium reductions they offer are detailed below.

  • Progressive has savings for multi-policy, continuous coverage, homeowner, online signing, good student, multi-vehicle, and online quote discount.
  • Farmers Insurance offers discounts for business and professional, early shopping, multi-car, distant student, and mature driver.
  • Farm Bureau has discounts for renewal discount, youthful driver, driver training, multi-vehicle, good student, and safe driver.
  • State Farm may offer discounts for multiple autos, accident-free, anti-theft, defensive driving training, passive restraint, and driver’s education.
  • GEICO policyholders can earn discounts including daytime running lights, five-year accident-free, anti-lock brakes, multi-policy, military active duty, and anti-theft.
  • SAFECO may have discounts that include homeowner, anti-theft, multi-car, teen safe driver, accident prevention training, anti-lock brakes, and drive less.
  • Liberty Mutual may include discounts for good student, safety features, newly retired, hybrid vehicle, new graduate, and new vehicle discount.

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering to apply every possible discount. Some credits might not be available to policyholders in every state. If you would like to see a list of auto insurance companies with discount rates, follow this link.

When do I need an agent’s advice?

When buying coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions can help discover whether your personal situation may require specific advice.

  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my nanny covered when driving my vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is pleasure use cheaper than using my 1999 Ford Windstar to commute?
  • Should I have a commercial auto policy?
  • I have health insurance so do I need medical payments coverage?
  • Are rental cars covered under my policy?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Auto insurance coverage breakdown

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a bird, damage from flooding, a broken windshield, vandalism and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like rehabilitation expenses, EMT expenses and surgery. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision protection

This coverage covers damage to your Windstar caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like legal defense fees, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Be a smart shopper

The cheapest 1999 Ford Windstar insurance is available on the web and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies do not offer internet price quotes and usually these regional carriers only sell coverage through local independent agencies.

Insureds change insurance companies for any number of reasons including policy cancellation, policy non-renewal, delays in paying claims or even denial of a claim. Regardless of your reason, choosing a new insurance company is actually quite simple.

We just showed you a lot of information how to reduce 1999 Ford Windstar insurance rates online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your auto insurance rates. You may even discover the lowest rates come from some of the lesser-known companies.

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