Cheaper 2000 Ford Windstar Car Insurance Quotes

Trying to find lower insurance coverage rates for your Ford Windstar? Did a good deal turn out to be an expensive insurance coverage policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. There is such a variety of car insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to find a good deal.

The purpose of this article is to let you in on how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. Drivers only need to know the proper way to get comparison quotes over the internet.

Do you qualify for discount insurance?

Car insurance companies don’t always publicize all disounts in an easy-to-find place, so here is a list both well-publicized and the more hidden ways to save on insurance. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts can save a little off the medical payments premium.
  • Military Rewards – Having an actively deployed family member may qualify for rate reductions.
  • Discounts for Good Drivers – Accident-free drivers can save as much as half off their rates on Windstar coverage as compared to drivers with claims.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
  • Good Grades Discount – Getting good grades could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
  • Driver’s Education for Students – Have your child enroll in driver’s education in school or through a local driver safety program.
  • Switch and Save Discount – A few insurance companies allow discounts for buying a policy prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply the the whole policy. A few only apply to individual premiums such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of companies that offer discounts, follow this link.

Ford Windstar insurance rate factors

It’s important that you understand some of the factors that go into determining the level of your policy premiums. When you understand what controls the rates you pay, this allows you to make good choices that may result in lower rates. Many things are taken into consideration when premium rates are determined. Some of the criteria are obvious such as traffic violations, although others are not as apparent such as your marital status or your vehicle rating.

Listed below are a few of the things used by companies to determine your premiums.

  • Vehicle options impact rates – Owning a car with a theft deterrent system can help lower your premiums. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart vehicle theft.
  • Tickets can increase prices – Having a clean driving record impacts your car insurance rates tremendously. Attentive drivers receive lower rates than people who have multiple driving citations. Just one speeding ticket can increase the cost of insurance twenty percent or more. Drivers unfortunate enough to have dangerous violations such as DUI or willful reckless driving are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Don’t abuse policy claims – Insurance companies provide the lowest premiums to drivers that do not abuse their auto insurance. If you file claims often, you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance is designed for the large, substantial claims.
  • Get hitched and pay lower rates – Your spouse may save some money on your insurance policy. Having a spouse translates into being more stable financially and statistics prove drivers who are married are more cautious.
  • Incidental coverages that may not be needed – Insurance companies have many add-on coverages that you can get tricked into buying on your insurance policy. Add-on coverages like vanishing deductibles, towing coverage, and Farm Bureau memberships are examples of these. These coverages may sound good at first, but if they’re wasting money get rid of them and save.
  • More than one policy can earn a discount – The majority of insurance companies provide discounts for people that purchase more than one policy. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even if you’re getting this discount it’s always a smart idea to compare rates to confirm you are receiving the best rates possible.There is a chance you can find a better deal even if you insure with multiple companies

What insurance coverages do I need?

When choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation might need professional guidance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Does insurance cover damages from a DUI accident?
  • Do I need an umbrella policy?
  • Is my dog or cat covered if injured in an accident?
  • If I drive on a suspended license am I covered?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my Ford Windstar covered if I use it for business?
  • Do I need PIP coverage since I have good health insurance?
  • Is my teenager covered with friends in the car?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance in the media

Consumers can’t get away from all the ads for the lowest price car insurance from the likes of State Farm, Allstate and GEICO. They all try to convey promises that you can save if you move your coverage to them.

It sounds good, but how can they all make almost identical claims? You have to listen carefully.

Many companies quote their best rates for the type of insured that will add to their bottom line. One example of this type of insured might have to be between 25 and 40, is a homeowner, and has excellent credit. Someone that meets those criteria will get very good prices as well as cut their rates substantially.

Potential insureds who may not quite match the requirements may be forced to pay a more expensive rate and this results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers that switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can advertise the way they do.

Because each company has a different risk profile, drivers should compare free auto insurance quotes often. It’s just not possible to know with any certainty which company will provide you with the cheapest rates.

Car insurance coverages for a 2000 Ford Windstar

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Medical expense insurance

Med pay and PIP coverage kick in for expenses for things like hospital visits, X-ray expenses, rehabilitation expenses and doctor visits. 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 all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance 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 coverage protects against claims like hail damage, damage from getting keyed, rock chips in glass, fire damage and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance will pay to fix damage to your Windstar from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, sustaining damage from a pot hole, crashing into a building, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Liability

This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like emergency aid, repair costs for stationary objects, legal defense fees, funeral expenses and structural damage. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Ford Windstar.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Be a penny pincher

We just showed you a lot of techniques to lower your 2000 Ford Windstar insurance premium rates. The most important thing to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with a smaller regional carrier. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

There are still a few companies who do not provide rate quotes online and most of the time these smaller providers provide coverage only through independent agents. Cheaper 2000 Ford Windstar insurance is attainable from both online companies as well as from insurance agents, so you should compare both to have the best selection.

Much more information about auto insurance is located on the following sites: