2003 Ford Windstar Insurance Rates

Want cheaper insurance rates for your Ford Windstar? Nobody I know looks forward to buying insurance, in particular when the cost is way too high.

Consumers have many auto insurance companies to choose from, and although it’s a good thing to have a choice, it can be more difficult to compare company pricing.

Discounts are basically free money

Car insurance can cost a lot, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically when you quote, but a few must be inquired about before being credited.

  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in high school.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It can save you around 10%.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Senior Discount – Older drivers may qualify for reduced rates for Windstar insurance.
  • Own a Home – Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Drive Less and Save – Fewer annual miles on your Ford can earn lower rates on the low mileage vehicles.
  • Multiple Vehicles – Insuring multiple vehicles with the same company may reduce the rate for each vehicle.

It’s important to note that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. Just because you may think you could get a free car insurance policy, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

To see a list of companies offering car insurance discounts, follow this link.

Some factors that can determine what Ford Windstar insurance costs

It’s important that you understand the factors that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with better car insurance rates.

  • Bad driving skills means higher rates – Your driving citation history has a huge affect on how much you pay. Good drivers have lower premiums than bad drivers. Only having one moving violation can increase rates by twenty percent. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Proper usage rating affects rates – Driving more miles every year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles determined by how the vehicle is used. Autos not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your car insurance coverage is rated on the proper vehicle usage. Incorrect usage on your Windstar may be wasting your money.
  • Do you need the policy add-ons? – There are a ton of extra bells and whistles you can purchase on your car insurance policy. Coverages like vanishing deductibles, better glass coverage and motor club memberships may be wasting your money. They may seem good initially, but if you don’t need them get rid of them and save.
  • Being married can save on car insurance – Being married actually saves money on your policy. Marriage is viewed as being more responsible and statistics show drivers who are married are more cautious.
  • Lower rates come with age – Older drivers are more cautious drivers, file fewer claims and get fewer tickets. Youthful drivers are known to be more careless behind the wheel and because of this, their car insurance rates are much higher.
  • Rates may be higher depending on your occupation – Jobs such as real estate brokers, social workers and financial analysts have higher average rates in part from job stress and lengthy work days. Conversely, occupations like farmers, engineers and the unemployed get better rates for Windstar insurance.
  • Theft deterrents lower rates – Owning a car with a theft deterrent system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Liability coverage protects you – Your policy’s liability coverage is the protection if you are found liable for personal injury or accident damage. It will provide legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.

Which insurance is the “right” coverage?

When choosing the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might point out whether or not you would benefit from an agent’s advice.

  • Are rental cars covered under my policy?
  • Do I benefit by insuring my home with the same company?
  • Is upholstery damage covered by car insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • What is the rate difference between pleasure use and commuting?
  • Should I buy additional glass protection?
  • Am I covered if my car is in a flood?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverage information

Learning about specific coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Collision – Collision coverage covers damage to your Windstar caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. 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 damage from getting keyed, falling objects and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Windstar.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Medical costs insurance – Med pay and PIP coverage kick in for bills like X-ray expenses, hospital visits, funeral costs and chiropractic care. The coverages can be utilized in addition to 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 if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for liability – Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims. Liability 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. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical services, emergency aid, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Stretch your dollar

Affordable 2003 Ford Windstar insurance can be bought both online in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get a quote online and these smaller companies work with independent agents.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. In many cases, an insured cut physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

You just learned many ways to save on insurance. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from a small local company. They may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

Additional information is located at the links below