How Much Does 2003 Ford Windstar Car Insurance Cost?

Think you have overpriced auto insurance? It’s quite common and you’re not alone. Drivers have so many insurers to buy insurance from, and even though it’s nice to have a choice, it can be more challenging to find the lowest rates.

Consumers need to take a look at other company’s rates once or twice a year because prices are constantly changing. Just because you had the best price for Windstar insurance last year the chances are good that you can find a lower rate quote today. You can find a lot of wrong information about auto insurance online, but in this article, you’re going to get some tested techniques to lower your auto insurance bill.

Shop insurance online

There are a lot of ways to compare insurance prices and some are easier and takes less work. You can waste a lot of time talking about coverages with local insurance agents in your area, or you can utilize the web to accomplish the same thing much quicker.

Most of the larger companies belong to a marketplace that enables customers to send in one quote, and at least one company then gives them pricing determined by their information. This eliminates the need for form submissions to each individual insurance company.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to using this type of system is that you can’t choose which insurance companies to get pricing from. If you wish to select from a list of companies for rate comparison, we have a page of low cost insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but try to keep nearly identical quote data for each price quote. If you have different values for each quote you can’t possibly find the best deal for your Ford Windstar.

Car insurance quotes and discounts

Some insurance providers do not advertise every policy discount very well, so we took the time to find a few of the more well known and the more hidden credits available to lower your premiums when you buy car insurance online.

  • Auto/Home Discount – When you have multiple policies and place coverage with the same company they may give you a discount of nearly 15% which can help you find the cheapest car insurance.
  • Defensive Driving Course – Participating in a class that teaches defensive driving techniques could cut 5% off your bill if your company offers it.
  • Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Good Grades Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Accident Free – Drivers with accident-free driving histories can save substantially in comparison with policyholders that have many claims.
  • Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.
  • Telematics Discount – People who choose to allow driving data submission to monitor their driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if their driving habits are good.
  • Government Employees – Active or former government employment could qualify for a slight premium decrease for Windstar insurance with certain companies.
  • ABS Brakes – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.

Just know that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

A few of the larger companies and their offered discounts can be read below.

  • State Farm offers premium reductions for good driver, passive restraint, multiple autos, multiple policy, Steer Clear safe driver discount, anti-theft, and student away at school.
  • Esurance offers discounts including claim free, good driver, Switch & Save, paid-in-full, Pac-12 alumni, and defensive driver.
  • Progressive may include discounts for online signing, multi-vehicle, continuous coverage, good student, online quote discount, homeowner, and multi-policy.
  • Liberty Mutual has discounts for new vehicle discount, safety features, new move discount, multi-policy, teen driver discount, and newly retired.
  • Auto-Owners Insurance policyholders can earn discounts including student away at school, mature driver, paid in full, multi-policy, group or association, and good student.
  • GEICO offers discounts for anti-theft, five-year accident-free, good student, emergency military deployment, defensive driver, and military active duty.

It’s a good idea to ask every prospective company the best way to save money. Depending on the company, some discounts may not apply to policies in your area.

Situations that may require an agent’s advice

When choosing proper insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Are rental cars covered under my policy?
  • Am I covered when driving a rental car?
  • Is extra glass coverage worth it?
  • I don’t drive much so do I pay less?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is no-fault insurance?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most auto insurance policies.

Uninsured and underinsured coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Windstar.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for doctor visits, prosthetic devices, dental work, hospital visits and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision insurance

This coverage will pay to fix damage to your Windstar resulting from colliding 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 protects against claims like crashing into a building, sustaining damage from a pot hole, driving through your garage door, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, hitting a bird, vandalism and hitting a deer. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

Liability insurance will cover injuries or damage you cause to a person or their property. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as attorney fees, loss of income, emergency aid, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.