How Much Does 1999 Ford Windstar Insurance Cost?

Want cheaper insurance rates for your Ford Windstar? Comparing insurance rates online can be difficult if you have never used online price comparisons. But relax because finding affordable coverage online is easier than you think.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Shopping for cheaper coverage is quite easy. But car owners should learn the way insurance companies sell insurance online because it can help you find the best coverage.

Save money by taking advantage of these discounts

The price of auto insurance can be rather high, but you can get discounts to reduce the price significantly. Certain discounts will be applied when you quote, but some must be inquired about before being credited.

  • Paperwork-free – Certain companies will discount your bill up to fifty bucks simply for signing on their website.
  • Passive Restraint Discount – Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Windstar insurance depending on your company.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Resident Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • 55 and Retired – If you’re over the age of 55, you may receive a discount up to 10% on Windstar insurance.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.

It’s important to note that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. But all discounts will reduce your overall premium however.

For a list of insurance companies who offer insurance coverage discounts, follow this link.

When should I use an insurance agent?

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Every situation is different.

For instance, these questions can aid in determining if you would benefit from an agent’s advice.

  • Are my friends covered when driving my 1999 Ford Windstar?
  • Can I afford low physical damage deductibles?
  • Am I insured when driving a different vehicle?
  • Is a fancy paint job covered?
  • Where can I get insurance after a DUI in my state?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Insurance myths debunked

Insurance companies such as State Farm, GEICO and Progressive continually stream ads on TV and radio. They all seem to make an identical promise about savings after switching your coverage to them. How can each company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the right customer that makes them money. A good example of a profitable customer could possibly be over the age of 50, has no prior claims, and drives less than 10,000 miles a year. Any new insured who matches those parameters receives the best rates and most likely will cut their rates substantially.

Drivers who do not match the requirements will be charged a higher premium and this can result in business not being written. The ads state “drivers who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can advertise the way they do.

That is why you need to get a wide range of price quotes. It is impossible to predict which insurance companies will provide you with the cheapest Ford Windstar insurance rates.

Specifics of your insurance policy

Learning about specific coverages of insurance can help you determine the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, damage from a tornado or hurricane, fire damage, falling objects and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – This pays for damage to your Windstar resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Windstar.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses for chiropractic care, X-ray expenses, doctor visits, nursing services and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

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 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as structural damage, loss of income, medical expenses, legal defense fees and medical services. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

One last thing

We’ve covered a lot of techniques to save on 1999 Ford Windstar insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with a lesser-known regional company.

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, someone sacrificed uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage for the lowest price.

Consumers who switch companies do it for any number of reasons including policy non-renewal, high prices, an unsatisfactory settlement offer and being labeled a high risk driver. Regardless of your reason for switching companies, switching companies is less work than it seems.

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