2002 Ford Windstar Car Insurance Rates – 7 Tricks for Cheaper Quotes

Want the cheapest insurance rates for your Ford Windstar? Cutting costs on insurance is always challenging for people who are new to shopping for insurance online. There are so many options that it can quickly become a lot of work to find lower rates.

The purpose of this post is to teach you how car insurance quotes work and some money-saving tips. If you currently have car insurance, you will most likely be able to save some money using this strategy. But drivers do need to learn how big insurance companies sell insurance online and take advantage of how the system works.

How much can you save with these seven discounts?

Car insurance is not cheap, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time of quoting, but some may not be applied and must be specially asked for before you get the savings.

  • Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Claim Free – Drivers who don’t have accidents pay less when compared to bad drivers.
  • No Charge for an Accident – Some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break when buying insurance coverage for Windstar coverage.
  • Homeowners Pay Less – Simply owning a home may trigger a insurance coverage policy discount because maintaining a house shows financial diligence.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will help reduce your premiums.

For a list of companies offering insurance coverage discounts, click this link.

Insurance Coverage Comparisons

All major insurance coverage companies like 21st Century, Allstate and State Farm allow you to get insurance quotes online. The process is quite simple as you simply enter the amount of coverage you want into a form. After you submit the form the system obtains information on your driving record and credit history and quotes a price.

Online quotes makes comparing rates easy, but the time required to go to different websites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to do this in order to get the best price possible.

The easiest way to find cheaper rates makes use of a single form to return rates from more than one company. It saves time, eliminates repetitive work, and makes price shopping online much simpler. After sending the form, it is rated and you can select any of the quotes returned.

If you find a better price you can click and sign and purchase coverage. The entire process takes just a few minutes to complete and you’ll know if lower rates are available.

To compare rates using this form now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you copy deductibles and limits just like they are on your policy. This makes sure you will have a price comparison for similar coverage.

How much car insurance do I need?

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

  • When should I remove comp and collision on my 2002 Ford Windstar?
  • When can I cancel my policy?
  • Is my teen driver covered when they drive my company car?
  • What are the financial responsibility laws in my state?
  • How can I get my company to pay me more for my totalled car?
  • Does coverage extend to a rental car in a foreign country?

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

Detailed coverages of your car insurance policy

Understanding the coverages of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.


This coverage protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t 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. You might see values of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, repair bills for other people’s vehicles, court costs and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM Coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford Windstar.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, EMT expenses, nursing services, prosthetic devices and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, damage from a tornado or hurricane and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage covers damage to your Windstar resulting from a collision 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 claims like sustaining damage from a pot hole, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Shop smart and save

Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, high rates after DUI convictions or questionable increases in premium. Regardless of your reason for switching companies, finding a new insurance company is easier than you think.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice liability coverage limits and discovered at claim time that it was a big error on their part. The ultimate goal is to buy enough coverage for the lowest price while still protecting your assets.

We just showed you a lot of tips how to save on 2002 Ford Windstar insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from some of the smallest insurance companies.

Additional information is available at the links below