Compare 2002 Ford Windstar Cargo Insurance Cost

Paying for high-priced Ford Windstar Cargo insurance can empty your checking account and make it hard to pay other bills. Doing a price comparison is free and is an excellent way to help make ends meet. Multiple auto insurance companies compete to insure your vehicles, so it can be very hard to choose a company to find the lowest rate possible.

Factors that can influence Ford Windstar Cargo insurance rates

Smart consumers have a good feel for the different types of things that go into determining the price you pay for insurance. Knowing what influences your rates allows you to make educated decisions that could result in lower insurance prices.

Listed below are a few of the “ingredients” companies use to determine premiums.

  • Pay less if you’re married – Getting married helps lower the price on your policy. Having a significant other is viewed as being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Don’t sacrifice liability coverage – Liability insurance will protect you in the event that you are found to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • More than one policy can earn a discount – The majority of insurers will give a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to ensure the best deal. Consumers may find a better deal by buying insurance from a different company.
  • Your job and insurance rates – Jobs such as doctors, business owners and financial analysts tend to pay higher average rates in part from high stress levels and lengthy work days. Conversely, occupations such as pilots, engineers and retirees have the lowest average rates on Windstar Cargo insurance.
  • Increase deductibles and save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Examples of covered claims are running into the backend of another car, damage from fire, and burglary. Your deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more money you’re willing to pay, the less your insurance will be on Windstar Cargo insurance.
  • More people means more accidents – Residing in a small town can be a good thing when talking about insurance. Fewer drivers means reduced accidents as well as less vandalism and auto theft. City drivers have much more traffic to deal with and longer commute times. More time commuting means higher likelihood of an accident.
  • Frequent insurance claims increase rates – Auto insurance companies give lower rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is designed for larger claims.
  • How’s your driving record? – Careful drivers receive lower rates than people who have multiple driving citations. Only having one ticket can boost insurance rates by as much as thirty percent. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.

Don’t miss out on these money-saving discounts

Companies do not advertise every discount in an easy-to-find place, so we researched both the well known and the more hidden auto insurance savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you will save 10% to 20% off each policy.
  • Federal Employees – Simply working for the federal government can save as much as 8% on Windstar Cargo insurance with a few auto insurance companies.
  • Early Signing – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Clubs and Organizations – Being a member of a qualifying organization may earn a discount on your policy on Windstar Cargo insurance.
  • Own a Home – Owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • Defensive Driving Course – Completing a defensive driving course could possibly earn you a 5% discount if you qualify.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. Even though it may seem like you could get a free auto insurance policy, companies wouldn’t make money that way.

Companies who might offer these money-saving discounts may include but are not limited to:

Double check with every prospective company what discounts are available to you. Some discounts may not be available in your state.

The insurance bait and switch

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. They all make the same claim that you’ll save big after switching your coverage to them.

But how can every company claim to save you money?

Different companies are able to cherry pick for the type of driver that earns them a profit. A good example of a driver they prefer could be between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. A customer who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Potential customers who do not match these standards must pay higher prices and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save money. This is how insurance companies can make the claims of big savings. This illustrates why you should get as many quotes as possible. You cannot predict which company will provide you with the cheapest Ford Windstar Cargo insurance rates.

Do I need special coverages?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can help discover if your situation would benefit from an agent’s advice.

  • Does coverage extend to my business vehicle?
  • Can I rent a car in Mexico?
  • Are my friends covered when driving my car?
  • When should I drop full coverage on my 2002 Ford Windstar Cargo?
  • Exactly who is provided coverage by my policy?
  • Does my car insurance cover rental cars?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I afford to buy a different vehicle if my 2002 Ford Windstar Cargo is totaled?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverages for a 2002 Ford Windstar Cargo

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by car insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford Windstar Cargo.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. 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, a tree branch falling on your vehicle, theft and fire damage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability insurance

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like emergency aid, repair bills for other people’s vehicles, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills for X-ray expenses, ambulance fees, pain medications, hospital visits and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage will pay to fix damage to your Windstar Cargo resulting from a collision with another vehicle or an object, but not an animal. You first must pay a 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, hitting a mailbox, crashing into a building, crashing into a ditch and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Quote more, save more

We just showed you a lot of tips how to reduce 2002 Ford Windstar Cargo insurance prices online. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with a small mutual company. Some small companies can often provide lower rates in certain areas than their larger competitors like Progressive or Geico.

Cheaper insurance is available on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. There have been many situations where an insured dropped liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

To learn more, take a look at the articles below: