1997 Ford Aerostar Car Insurance Quotes

Want better insurance rates for your Ford Aerostar? Overpriced Ford Aerostar insurance can drain your bank account and force you to make sacrifices. Doing a price comparison is free and is an excellent way to help make ends meet. Because there are so many options when it comes to insurance, it’s nearly impossible to pick the lowest price company.

Insurance Coverage Quote Comparison

Getting better 1997 Ford Aerostar insurance coverage pricing is actually quite simple. All you need to do is spend a little time comparing price quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do boring form submissions for each company. One simple form will return price quotes from many national carriers.
  2. A more time consuming way to get comparison quotes consists of going to each individual company website to request a price quote. For instance, let’s assume you want to compare rates from USAA, Progressive and Allstate. You would have to go to every website to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least efficient method to compare rates is driving around to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you prefer the professional guidance of a local agent. Drivers can price shop online but buy from a local insurance agent. We’ll cover that shortly.

It’s up to you which method you use, but ensure you’re using the exact same deductibles and coverage limits for each price quote. If your comparisons have different liability limits it will be impossible to make a fair comparison for your Ford Aerostar.

How to reduce Ford Aerostar insurance rates

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. Most are applied when you get a quote, but less common discounts must be requested specifically before being credited. If you don’t get every credit you deserve, you are paying more than you should be.

  • Senior Citizens – Mature drivers may qualify for better insurance rates on Aerostar insurance.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiration. The savings is around 10%.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Homeowners Discount – Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.

It’s important to understand that some credits don’t apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free insurance policy, companies wouldn’t make money that way. But all discounts will cut your premiums.

Insurance companies who might offer some of the above discounts are:

Double check with each company what discounts are available to you. Discounts might not be offered everywhere.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different and your policy should reflect that. These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if I break a side mirror?
  • When do I need to add a new car to my policy?
  • What are the financial responsibility laws in my state?
  • Do I need roadside assistance coverage?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Ford Aerostar.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, hail damage, a broken windshield, fire damage and damage from getting keyed. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for pain medications, rehabilitation expenses, hospital visits and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability coverage

Liability coverage can cover injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as medical services, structural damage, attorney fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your Aerostar caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.