Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Dec 6, 2017

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Wish you could get out of an expensive insurance coverage policy? You’re in good company because there are lots of residents who feel the same. Many car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers and uncover the absolute best rate

Smart consumers take time to compare premium rates before your policy renews since insurance prices are rarely the same from one policy term to another. Even if you got the best rate on Aerostar coverage a year ago a different company probably has better premium rates today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the easiest way to find great coverage at a great price.

If you have a current insurance policy or are just looking to switch companies, you can follow these tips to reduce the price you pay while maintaining coverages. Choosing the best insurance company for you is quite easy. Consumers just need to know how to shop their coverage around over the internet.

Low cost auto insurance

Getting low cost 1990 Ford Aerostar auto insurance pricing is an easy way to save money. All that’s required is to take a few minutes to compare free auto insurance quotes from some recommended companies. Comparing prices online can be done by following the guidelines below.

The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do multiple quote forms for each price estimate. Filling out one form will get you price quotes from several companies.

A harder way to analyze rates consists of going to each individual company website and complete a new quote form. For sake of this example, let’s say you want to see prices from Nationwide, 21st Century and Allstate. To get rate quotes you would need to spend time going to each site individually to input your insurance information, which can take a lot of time.

For a list of links to insurance companies in your area, click here.

You can use whichever method you prefer to find lower rates, just try to keep identical coverages for each price quote. If you use different coverage information you will not be able to determine the best price for your Ford Aerostar.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance coverage discounts help lower rates

Companies offering auto insurance don’t list their entire list of discounts in an easy-to-find place, so the list below details a few of the more common as well as some of the hidden discounts that you can inquire about if you buy auto insurance online.

  • Theft Deterent – Vehicles equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
  • Discount for Good Grades – A discount for being a good student may save you up to 25%. You can use this discount normally until age 25.
  • Telematics Data – Insureds that choose to allow companies to spy on where and when they drive by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates as long as the data is positive.
  • Drivers Education – It’s a good idea to have your young drivers sucessfully take a drivers education course if offered at their school.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Multiple Cars – Buying coverage for primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
  • Own a Home and Save – Just owning your own home can help you save on insurance coverage since owning and maintaining a home is proof that your finances are in order.

It’s important to note that many deductions do not apply the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.

A list of insurance coverage companies and the discounts they provide can be found below.

  • Progressive offers premium reductions for multi-policy, multi-vehicle, online signing, good student, online quote discount, continuous coverage, and homeowner.
  • AAA includes discounts for education and occupation, multi-car, good student, good driver, anti-theft, AAA membership discount, and multi-policy.
  • Farmers Insurance discounts include business and professional, youthful driver, pay in full, electronic funds transfer, multi-car, distant student, and mature driver.
  • GEICO may have discounts that include driver training, anti-lock brakes, anti-theft, defensive driver, five-year accident-free, and federal employee.
  • Esurance offers discounts for paid-in-full, anti-lock brakes, Switch & Save, good student, multi-policy, and multi-car.
  • SAFECO may include discounts for safe driver, anti-theft, drive less, bundle discounts, homeowner, and anti-lock brakes.
  • State Farm policyholders can earn discounts including anti-theft, defensive driving training, safe vehicle, driver’s education, Steer Clear safe driver discount, and good student.

If you are trying to find cheap auto insurance quotes, ask all companies you are considering how many discounts you can get. Some discounts listed above might not be offered everywhere. To see a list of companies with the best insurance coverage discounts, click here.

Which is the best insurance coverage?

When it comes to choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique so this has to be addressed. For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Does coverage extend to my business vehicle?
  • Does my insurance cover a custom paint job?
  • Do I need added coverage for expensive stereo equipment?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I crash into my own garage door?
  • Is my teenager covered with friends in the car?
  • What is an SR-22 filing?
  • Can I afford to buy a different vehicle if my 1990 Ford Aerostar is totaled?
  • Why do I need rental car insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance coverages

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your 1990 Ford Aerostar.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments – Med pay and PIP coverage pay for short-term medical expenses like chiropractic care, rehabilitation expenses, doctor visits, ambulance fees and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding, vandalism and rock chips in glass. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability – This coverage protects you from damage or injury you incur to people or other property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like pain and suffering, attorney fees and loss of income. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Collision – Collision insurance will pay to fix damage to your Aerostar caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as scraping a guard rail, sideswiping another vehicle, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Cheaper insurance is a realistic goal

We just presented some good ideas how to compare 1990 Ford Aerostar insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest prices are with some of the smallest insurance companies. Some small companies may only write in your state and offer lower rates than their larger competitors like GEICO and State Farm.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, someone dropped collision coverage only to regret at claim time that it was a big mistake. The ultimate goal is to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

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