Lower Your 1997 Ford Windstar Insurance Quotes

Shoppers have many options when shopping for the lowest priced Ford Windstar insurance. You can either spend your time contacting agents to compare prices or utilize the internet to make rate comparisons.

There is a better way to compare insurance rates and we’ll show you the quickest way to get price quotes for a new or used Ford and obtain the lowest possible price from local insurance agents and online providers.

It’s a good idea to shop coverage around before your policy renews because insurance prices change quite often. Even if you think you had the best quotes for Windstar coverage six months ago you can probably find a lower rate today. Block out anything you think you know about insurance because we’re going to demonstrate the easiest way to eliminate unnecessary coverages and save money.

Affordable auto insurance rates with discounts

Insurance can cost an arm and a leg, but you might be missing out on some discounts that could help you make your next renewal payment. Many discounts should be triggered at the time you complete a quote, but a few must be inquired about prior to receiving the credit. If you do not check that you are getting every discount you qualify for, you’re paying more than you need to.

• Organization Discounts – Belonging to qualifying clubs or civic groups could qualify you for a break on your next renewal.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and the ABS can save up to 10%.
• Driver Training Discounts – Passing a class that teaches defensive driving techniques could save 5% or more if your company offers it.
• Sign Early and Save – A few companies give discounts for renewing your policy prior to your current policy expiring. It’s a savings of about 10%.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
• Passenger Safety Discount – Factory options such as air bags or motorized seat belts can qualify for discounts of 25 to 30%.
• Telematics Devices – Policyholders that allow data collection to analyze vehicle usage by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they exhibit good driving behavior.

Don’t be shocked that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, nobody gets a free ride.

Some companies that may have these benefits include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

Double check with all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier may not be offered in your area.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions may help highlight whether your personal situation will benefit from professional help.

• Am I covered when using my vehicle for business?
• Does my 1997 Ford Windstar qualify for pleasure use?
• Do I need motorclub coverage?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered if I hit a deer?
• Do I need rental car coverage?
• Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability car insurance

This will cover damage or injury you incur to other’s property or people. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair bills for other people’s vehicles, loss of income, attorney fees, legal defense fees and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like nursing services, funeral costs, rehabilitation expenses, ambulance fees and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays for damage to your Windstar resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Windstar.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, vandalism, damage from getting keyed, theft and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

The bottom line

Throughout this article, we presented a lot of tips how to compare 1997 Ford Windstar insurance premium rates online. The most important thing to understand is the more you quote insurance, the higher your chance of finding affordable insurance. You may even find the best premium rates are with a small local company.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at the best possible price while still protecting your assets.

There are still a few companies who do not offer internet price quotes and usually these regional carriers prefer to sell through independent insurance agencies. Discount 1997 Ford Windstar insurance can be found both online and from local agencies, so you need to compare both in order to have the best chance of saving money.

Additional car insurance information can be found on the following sites:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Understanding Car Crashes Video (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• Auto Crash Statistics (Insurance Information Insitute)