2003 Ford Windstar Cargo Insurance Quotes – 6 Savings Tips

Trying to find lower insurance rates? Buyers have options when searching for the best price on Ford Windstar Cargo insurance. They can either waste time calling around getting price quotes or leverage the internet to make rate comparisons.

There is a better way to buy insurance so we’re going to tell you the proper way to compare rates for a new or used Ford and get the best price possible from local insurance agents and online providers.

Consumers should take time to do rate comparisons yearly because insurance rates fluctuate regularly. Just because you found the best rates on Windstar Cargo insurance a few years ago you may be paying too much now. So just ignore everything you know about insurance because it’s time to teach you the fastest way to save money, get proper coverage and the best rates.

Cheap Auto Insurance Comparisons

Finding a better price on auto insurance is actually quite simple. Consumers just need to spend a few minutes comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The first (and easiest) way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This form eliminates the need for repetitive form submissions for each company you want a rate for. One simple form will return quotes from all major companies. It’s definitely the quickest method.
  • A harder way to compare prices is to manually visit each individual company website and complete a new quote form. For instance, we’ll pretend you want comparison quotes from USAA, Progressive and Liberty Mutual. To get each rate you have to visit each site to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever way you use, make darn sure you compare identical coverage limits with each company. If you compare unequal deductibles or liability limits you will not be able to find the best deal for your Ford Windstar Cargo.

Save money by taking advantage of these six discounts

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Some discounts apply automatically when you purchase, but some may not be applied and must be requested specifically before being credited. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • No Claims – Claim-free drivers pay less when compared with accident-prone drivers.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Homeowners Discount – Simply owning a home can help you save on car insurance because owning a home is proof that your finances are in order.
  • Save over 55 – Mature drivers may be able to get a small decrease in premiums on Windstar Cargo insurance.
  • Paperwork-free – Certain companies may give you up to $50 for buying a policy and signing up digitally online.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. But any discount will bring down the cost of coverage.

A partial list of companies who might offer these discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Discounts might not apply in every state.

When should I use an insurance agent?

When choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions might point out if your situation will benefit from professional help.

  • What is covered by UM/UIM coverage?
  • Is motorclub coverage worth it?
  • Is my trailer covered?
  • Will my insurance pay for OEM parts?
  • How high should my uninsured/underinsured coverage be in my state?
  • When can my company non-renew my policy?
  • What if I total my 2003 Ford Windstar Cargo and owe more than it’s worth?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Detailed coverages of your insurance policy

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills such as prosthetic devices, hospital visits, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision coverage pays for damage to your Windstar Cargo caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

This pays for 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 claims such as fire damage, damage from flooding, damage from getting keyed and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance

This coverage can cover damage or injury you incur to people or other property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair bills for other people’s vehicles, pain and suffering and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since 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. Most of the time these coverages are identical to your policy’s liability coverage.