1999 Ford Windstar Car Insurance Quotes

Searching for low-cost insurance for a Ford Windstar can normally be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to buy insurance so we’re going to tell you the absolute fastest way to compare rates for a Ford and get the lowest price from both online companies and local agents.

Get lower rates on 1999 Ford Windstar insurance

Car insurance companies don’t always list all their discounts in a way that’s easy to find, so here is a list some of the best known as well as the least known ways to save on insurance. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Homeowners Pay Less – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Windstar coverage than drivers with accidents.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • E-sign – Certain companies will give a small break for buying a policy and signing up online.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.

It’s important to understand that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

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

Tailor your coverage to you

When choosing the best auto insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

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

  • Does car insurance cover theft of personal property?
  • Is my ex-spouse still covered by my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • What discounts do I qualify for?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I have coverage when making deliveries for my home business?
  • Is business property covered if stolen from my car?
  • Should I get collision insurance on every vehicle?
  • Can I drive in Mexico and have coverage?
  • What exactly is covered by my policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Do drivers who switch really save $439 a year?

Consumers can’t get away from ads for cheaper car insurance from the likes of Geico, State Farm and Progressive. They all seem to make the same claim of big savings if you switch your coverage to them.

How can each company make the same claim? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, a clean driving record, and has great credit. A driver that hits that “sweet spot” will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who fall outside the “perfect” profile will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why companies can state the savings. Because of the profiling, drivers should quote coverage with many companies. It’s impossible to know the company that will give you the biggest savings on Ford Windstar insurance.

Parts of your car insurance policy

Understanding the coverages of car insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like ambulance fees, hospital visits, surgery and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverage – Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as legal defense fees, repair bills for other people’s vehicles, court costs and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – Collision insurance covers damage to your Windstar resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Windstar.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision) – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Quote more. Save more.

You just read quite a bit of information on how to lower your 1999 Ford Windstar insurance rates. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from the smaller companies.

Consumers leave their current company for any number of reasons including policy non-renewal, being labeled a high risk driver, high prices and even not issuing a premium refund. No matter why you want to switch, choosing a new company is easier than you think.

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed liability coverage limits and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

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