Cheap 1998 Ford Windstar Car Insurance Quotes

Finding affordable insurance coverage is always challenging for people who are new to shopping for insurance online. Consumers have so many options that it can quickly become a real hassle to find lower rates.

It is always a good idea to get comparison quotes every six months since rates change regularly. If you had the lowest rates for Windstar insurance a year ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding insurance coverage online, so with this article, you’re going to get a lot of great tips on how to put money back in your pocket.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. But drivers need to learn how companies market insurance on the web.

Factors that can influence Ford Windstar insurance rates

Smart consumers have a good feel for some of the elements that play a part in calculating your insurance coverage rates. Knowing what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Shown below are some of the items used by your company to calculate rates.

  • Lower miles equals lower premium – The more miles you rack up on your Ford in a year’s time the more you’ll pay to insure your vehicle. Almost all companies rate vehicles determined by how the vehicle is used. Autos not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your insurance coverage policy is rated on how each vehicle is driven. Incorrect usage on your Windstar may be wasting your money.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores get lower rates. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and lower rates for you. If your Ford scored better than four stars on it is probably cheaper to insure.
  • Do you know your deductibles? – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Ford from damage. Examples of covered claims are a windshield shattered by a rock, collision with an animal, or theft. Your deductibles are the amount of money you are required to spend before your insurance coverage pays a claim. The higher the amount you’re willing to pay, the less your insurance coverage will be for Windstar insurance.
  • High numbers of claims are not good – Companies provide discounts to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Your car’s features help determine rates – Driving a car with a theft deterrent system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Clean credit earns discounts – Credit history is a big factor in your rate calculation. Therefore, if your credit history is not that good, you could potentially save money when insuring your 1998 Ford Windstar by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.

How to save on 1998 Ford Windstar insurance

Car insurance companies do not advertise all available discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find savings tricks you should be using.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for auto insurance for Windstar insurance.
  • Discount for New Cars – Insuring a new car is cheaper compared to insuring an older model.
  • Discount for Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Student in College – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, you’re out of luck.

To see a list of companies with discount auto insurance rates, click here to view.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For instance, these questions might help in determining if your situation might need professional guidance.

  • Does my 1998 Ford Windstar need full coverage?
  • Is my ex-spouse still covered by my policy?
  • Is my babysitter covered when using my vehicle?
  • Do I need roadside assistance coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I afford to buy a different vehicle if my 1998 Ford Windstar is totaled?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Parts of your insurance policy

Having a good grasp of a insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like surgery, rehabilitation expenses, X-ray expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision protection

This coverage covers damage to your Windstar resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, crashing into a building and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability coverage

Liability insurance can cover damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things like medical expenses, bail bonds, emergency aid, court costs and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford Windstar.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, damage from flooding, a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More comparisons equals lower rates

When trying to cut insurance costs, do not buy poor coverage just to save money. In many cases, consumers will sacrifice liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Consumers switch companies for many reasons like denial of a claim, not issuing a premium refund, high rates after DUI convictions and being labeled a high risk driver. No matter why you want to switch, switching companies can be easier than you think.

Cheaper 1998 Ford Windstar insurance is possible from both online companies and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not offer online price quotes and these small, regional companies work with independent agents.

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