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: Apr 30, 2018

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Looking for the cheapest car insurance rates for your Ford Aerostar? Do you get exhausted from scraping nickels together to keep your car insured? You are no different than many other consumers. Big-name insurance companies like Allstate, Liberty Mutual and State Farm persitently shower you with advertising and consumers find it hard to see through the deception and take the time to shop coverage around.

You should make it a habit to quote other rates at least once a year because car insurance prices change quite often. Just because you had the best rate on Aerostar insurance on your last policy you can probably find a lower rate today. There is a lot of wrong information about car insurance online, but I’m going to show you some great ideas on how to lower your car insurance rates.

If you are insured now or are looking for a new policy, you can use these techniques to cut your premiums and still get good coverage. Choosing the best insurance company for you is not rocket science. Drivers only need an understanding of the most effective way to compare company rates online.

Low cost auto insurance rate quotes online

There are multiple methods to compare auto insurance quotes, and some are less time-consuming than others. You can waste hours driving to agents in your area, or you could save time and use the web to get rates in a matter of minutes.

Most of the larger companies participate in an industry program that enables customers to send in one quote, and each company then gives them pricing based on the submitted data. This prevents consumers from doing form submissions to every company.

To submit your quote information now, click here to open in new window.

One minor caviat to doing it this way is that consumers can’t choose which carriers you want pricing from. If you would rather choose from a list of companies to compare rates, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you which method you use, but ensure you are comparing exactly the same quote data with each company. If your comparisons have different values for each quote then you won’t be able to make a fair comparison for your Ford Aerostar.

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

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Find hidden discounts on insurance

Buying insurance is not cheap, but there may be some discounts that you may not know about. Many discounts should be triggered when you complete an application, but a few must be asked for prior to getting the savings.

  • Driver’s Ed – Have your child enroll and complete driver’s education if offered at their school.
  • Accident Free – Good drivers with no accidents pay less when compared with frequent claim filers.
  • Distant College Student Discount – Kids living away from home attending college and don’t have a car may qualify for this discount.
  • Military Rewards – Having an actively deployed family member could be rewarded with lower premium rates.
  • Good Student – Being a good student may save you up to 25%. The good student discount can last until age 25.
  • Paper-free Discount – A few larger online companies will give you a small discount for buying your policy online.
  • Accident Waiver – This isn’t a discount exactly, but some insurance companies may permit one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Bundle and Save – When you combine your homeowners and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.

Keep in mind that many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So even though you would think you can get free auto insurance, nobody gets a free ride.

Companies and a selection of discounts can be found below.

  • 21st Century includes discounts for automatic seat belts, homeowners, good student, driver training, and early bird.
  • State Farm may have discounts that include anti-theft, accident-free, driver’s education, multiple policy, multiple autos, Steer Clear safe driver discount, and Drive Safe & Save.
  • AAA may include discounts for good student, AAA membership discount, multi-car, multi-policy, pay-in-full, and anti-theft.
  • Liberty Mutual policyholders can earn discounts including new move discount, good student, new vehicle discount, preferred payment discount, multi-policy, and teen driver discount.
  • Progressive has discounts for online signing, multi-vehicle, good student, multi-policy, and continuous coverage.

It’s a good idea to ask every insurance company which discounts they offer. Savings may not apply to policies everywhere. To see a list of insurers that provide some of the discounts listed above, click this link.

Tailor your insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different and your policy should reflect that. For example, these questions might point out if your situation will benefit from professional help.

  • Are split liability limits better than a combined single limit?
  • Are rental cars covered under my policy?
  • Where can I get insurance after a DUI in my state?
  • How can I get my company to pay me more for my totalled car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What vehicles should carry emergency assistance coverage?
  • Who is covered when they drive my 1991 Ford Aerostar?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Car insurance coverage breakdown

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverages offered by car insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as hospital visits, prosthetic devices, ambulance fees and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision protection

This covers damage to your Aerostar from colliding 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 protects against things like backing into a parked car, sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Ford Aerostar.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverages

Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has 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 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like bail bonds, medical expenses, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, damage from a tornado or hurricane and damage from flooding. The most 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.

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

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Shop smart and save

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There are too many instances where an insured cut comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at the best possible price but still have enough coverage for asset protection.

Some companies do not provide internet price quotes and these regional carriers only sell coverage through independent insurance agents. Cheaper 1991 Ford Aerostar insurance can be purchased both online and with local insurance agents, so you need to compare both to have the best chance of lowering rates.

Additional information is located at the links below