1996 Ford Windstar Insurance Cost – 10 Tricks for Cheapest Prices

Have you fallen victim to an overpriced auto insurance policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Because there are so many companies to choose from, it’s difficult to pick the best provider.

It is always a good idea to compare prices before your policy renews due to the fact that insurance rates are constantly changing. Just because you had the best rates on Windstar insurance a couple years back the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to how to quote online to properly buy coverages while reducing your premium.

Finding the best rates is not that difficult. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Drivers just need to learn the tricks to find the lowest price online.

Compare Insurance Coverage Costs

Getting better 1996 Ford Windstar insurance coverage pricing is actually quite simple. You just have to take a few minutes to compare quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

One of the best ways consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating separate quotes for each company. One simple form will return quotes direct from many companies.
A different way to get quotes online requires a visit to the website for every company you want to comare to complete their respective quote request forms. For example, let’s assume you want to compare rates from Nationwide, State Farm and GMAC. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.
The least efficient method of comparing rate quotes is to waste gas driving to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance that only a license agent can provide. You can, however, get the lowest quotes online but buy from a local insurance agent and you’ll learn how to do that later.

However you get your quotes, make sure you use the exact same quote information on every quote you get. If the quotes have different deductibles it will be next to impossible to make an equal comparison.

Get lower rates on 1996 Ford Windstar insurance

Auto insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so we researched some of the more common as well as the least known insurance savings. If you aren’t receiving every discount you deserve, you are throwing money away.

Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.
55 and Retired – If you’re over the age of 55, you may qualify for a small decrease in premiums on Windstar insurance.
Organization Discounts – Being a member of a civic or occupational organization is a good way to get lower rates on your policy on Windstar insurance.
Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Windstar insurance than less cautious drivers.
Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiration. It can save you around 10%.
Bundle and Save – When you have multiple policies with one company you may earn 10% to 20% off each policy.
Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

To see a list of companies with the best insurance discounts, click here.

Tailor your coverage to you

When buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For instance, these questions might help in determining whether you could use an agent’s help.

Exactly who is provided coverage by my policy?
Am I covered when delivering products for my home-based business?
Is extra glass coverage worth it?
What is the ISO rating for a 1996 Ford Windstar?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need more liability coverage?
Is there coverage for injuries to my pets?
What can I do if my company won’t pay a claim?
Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your car insurance policy

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by car insurance companies.

Auto liability

This coverage provides protection from injuries or damage you cause to a person or their property. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as emergency aid, structural damage, medical services and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Auto collision coverage

This pays for damage to your Windstar caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, sideswiping another vehicle, scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills like nursing services, ambulance fees, prosthetic devices and chiropractic care. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, damage from getting keyed and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Ford Windstar.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.