Save on 2003 Ford Windstar Cargo Car Insurance Quotes

Trying to find more affordable auto insurance may be difficult for drivers new to online rate comparisons. With such a big selection of agents and insurers available, it can quickly become a real difficult job to find the best prices.

Don’t overlook these insurance discounts

Companies offering auto insurance don’t always publicize all their discounts in a way that’s easy to find, so the list below gives a summary of some of the best known as well as the least known credits available to lower your premiums when you buy auto insurance online.

• Seat Belt Discounts – Requiring all passengers to buckle up before driving could cut 10% or more off the medical payments premium.
• Passenger Safety Discount – Factory options such as air bags or motorized seat belts may qualify for discounts up to 30%.
• Employee of Federal Government – Simply working for the federal government could provide a small rate reduction for Windstar Cargo insurance depending on your company.
• No Charge for an Accident – Not really a discount, but certain companies permit an accident before raising your premiums if you are claim-free for a set time period.
• Student in College – Youth drivers who attend college more than 100 miles from home and do not have a car can be insured at a reduced rate.
• Online Discount – Certain insurance companies may give you up to $50 for signing up on their website.
• Senior Citizens – If you’re over the age of 55, you can possibly qualify for a small discount on rates for Windstar Cargo insurance.
• Own a Home and Save – Just being a homeowner can save a few bucks because it requires a higher level of personal finance.

Don’t be surprised that some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

Larger insurance companies and a summarized list of policyholder discounts are shown below.

• State Farm includes discounts for good student, good driver, safe vehicle, Drive Safe & Save, and passive restraint.
• Geico may include discounts for membership and employees, emergency military deployment, multi-policy, multi-vehicle, and anti-theft.
• SAFECO discounts include teen safety rewards, safe driver, anti-lock brakes, accident prevention training, multi-car, drive less, and homeowner.
• Farmers Insurance offers discounts including bundle discounts, mature driver, multi-car, business and professional, and teen driver.
• AAA offers premium reductions for pay-in-full, good driver, good student, anti-theft, AAA membership discount, and multi-car.
• USAA may have discounts that include new vehicle, family discount, driver training, annual mileage, vehicle storage, and good student.

Double check with each insurance company how many discounts you can get. Some discounts listed above may not be available everywhere. If you would like to view insurance companies that can offer you the previously mentioned discounts, click this link.

When to get professional advice

When it comes to choosing adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

• Does my car insurance cover rental cars?
• Are rental cars covered under my policy?
• What is medical payments coverage?
• Are my friends covered when driving my car?
• Does my liability insurance cover pulling a trailer or camper?
• Where can I find DUI or SR-22 insurance?
• When should I not file a claim?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance policy coverages for a 2003 Ford Windstar Cargo

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability coverages

Liability coverage will cover damage that occurs to other’s property or people. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as repair bills for other people’s vehicles, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses like EMT expenses, hospital visits, surgery and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, hitting a deer, falling objects and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Windstar Cargo.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for collisions

Collision insurance pays for damage to your Windstar Cargo from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Affordable insurance is out there

We just showed you many ways to save on 2003 Ford Windstar Cargo insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding affordable auto insurance. Drivers may discover the best rates are with the least-expected company.

When getting auto insurance quotes online, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where consumers will sacrifice full coverage only to find out that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

Drivers change insurance companies for any number of reasons including policy non-renewal, not issuing a premium refund, an unsatisfactory settlement offer or even delays in responding to claim requests. Whatever your reason, finding a great new company can be easier than you think.

Additional detailed information can be found in the articles below:

• Coverage Information (Progressive Insurance)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• How to Avoid Staged Accidents (State Farm)