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: Oct 5, 2015

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Are you sick and tired of not being able to scrape enough together to pay insurance coverage each month? You are in the same boat as the majority of other consumers.

Big companies like Allstate, Liberty Mutual and State Farm continually hit you with catchy ads and it is challenging if not impossible to separate fact from fiction and find the best price available.

If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Finding affordable coverage is not rocket science. Although vehicle owners benefit from understanding how big insurance companies market insurance on the web and apply this information to your search.

Compare insurance coverage rates

To find the best insurance coverage rates, there are several ways of comparing rates from lots of insurance coverage companies. The best method to find affordable 1993 Ford Aerostar insurance rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

  1. One of the best ways to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method saves time by eliminating separate quotation requests for every prospective company. One simple form gets you price quotes from several companies.
  2. A more time consuming way to find more affordable insurance is to take the time to go to the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you want to compare USAA, Progressive and GEICO. You would have to navigate to each company’s site and enter your information, which is why most consumers use the first method. For a list of companies in your area, click here.
  3. The last way to comparison shop rate quotes is to spend time driving to local insurance agencies. Comparing rates online makes this process obsolete unless you have a need for the professional abilities only provided by licensed agents. Although you can comparison shop online and have a local agent actually service the policy.

How you compare quotes is your choice, just be sure you’re using nearly identical coverages with every price quote. If you compare unequal deductibles or liability limits it will be nearly impossible to make an equal comparison. Just a small difference in insurance coverages or limits can make a big difference in price. And when comparison shopping, comparing a large number of companies will increase your chances of finding the best rates.

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

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Get cheap rates with these discounts

Auto insurance can be pricey, but you can get discounts that many people don’t even know exist. Many of these discounts will be applied automatically at quote time, but a few must be manually applied before being credited.

  • Auto/Home Discount – If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
  • Telematics Data – Drivers who agree to allow driving data submission to analyze when and where they use their vehicle by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
  • E-sign – A handful of insurance companies may give you up to $50 get car insurance over the internet.
  • Claim Free – Drivers who don’t have accidents can save substantially in comparison with policyholders that have many claims.
  • Own a Home – Just owning your own home can save a few bucks because it demonstrates responsibility.

A little disclaimer on discounts, some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will cut your overall bill.

Auto insurance companies that possibly offer most of these discounts may include but are not limited to:

When getting a coverage quote, ask every company the best way to save money. Some credits may not be available in your state.

Insurance can be complex

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For example, these questions can aid in determining whether your personal situation may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when driving on a suspended license?
  • Do I need roadside assistance coverage?
  • Is pleasure use cheaper than using my 1993 Ford Aerostar to commute?
  • Does my car insurance cover rental cars?
  • When can my company non-renew my policy?
  • What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

How do insurance companies determine Ford Aerostar insurance prices?

When buying auto insurance it’s important to understand the factors that go into determining auto insurance rates. If you understand what determines premiums, this helps enable you to make changes that may reward you with cheaper rates. Many factors are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although some other factors are less apparent like your vehicle usage or your financial responsibility.

  • Safety first – Cars with high safety ratings tend to have better insurance rates. Safe vehicles reduce injuries and fewer serious injuries translates into savings for insurance companies which can result in lower premiums.
  • Use credit responsibly and save – Having a bad credit score is a large factor in your rate calculation. If your credit can use some improvement, you may save money insuring your 1993 Ford Aerostar if you improve your credit rating. Consumers who have excellent credit tend to be better risks to insure than those with lower ratings.
  • How much liability coverage do you need? – A critical coverage on your policy, liability insurance will protect you if you are determined to be liable for an accident. It will provide for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • You may save more by combining policies – The majority of insurers will give discounts for people that buy multiple policies such as combining an auto and homeowners policy. Even with this discount, it’s still a good idea to compare other company rates to make sure you are getting the best deal. Drivers may still save money even if you insure with multiple companies
  • Alarm systems save money – Choosing a vehicle with a theft deterrent system can help lower your rates. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent vehicle theft.
  • Get cheaper costs after the wedding – Having a spouse may save some money on your policy. Marriage generally demonstrates drivers are less irresponsible and it’s statistically proven that married drivers get in fewer accidents.

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

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Insurance coverage advertisements

Insurance coverage companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. All the companies make an identical promise about savings just by moving to their company. How does every insurance coverage company charge lower premium rates? It’s all in the wording.

Different companies have a preferred profile for the type of driver they prefer to insure. A good example of this type of risk profile could possibly be over the age of 35, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters receives the best prices and will most likely save a lot of money.

Consumers who may not quite match those standards may be forced to pay higher prices which translates to the customer not purchasing. If you listen closely, the ads state “people who switch” not “everyone that quotes” save money. That’s the way insurance companies can claim big savings.

Because of the profiling, it’s extremely important to get price quotes at each policy renewal. It’s just too difficult to predict with any certainty which company will give you the biggest savings.

Car insurance policy specifics

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average car insurance policy.

Collision coverage – This coverage covers damage to your Aerostar resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a mailbox, hitting a parking meter, backing into a parked car, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as prosthetic devices, funeral costs and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Aerostar.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Liability car insurance – Liability coverage protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to 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. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as pain and suffering, emergency aid, loss of income and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, hitting a bird, hitting a deer, a broken windshield and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Shop Smart and Save

We covered a lot of techniques to lower your 1993 Ford Aerostar insurance prices. The key thing to remember is the more you quote car insurance, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices come from some of the smallest insurance companies. Smaller companies often have lower rates on specific markets than the large multi-state companies such as Allstate or State Farm.

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

Affordable 1993 Ford Aerostar insurance is possible both online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide price quotes online and most of the time these small insurance companies only sell coverage through independent agents.

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