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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Apr 6, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Searching for cheaper insurance rates? Consumers have a choice when looking for the lowest priced Ford Aerostar insurance. You can either spend your time calling around to get rate comparisons or use the internet to compare rates.

There is a better way to shop for insurance so you’re going to learn the proper way to quote coverages on a Ford and find the lowest possible price from local insurance agents and online providers.

Do you qualify for discounts?

Auto insurance is not cheap nor is it fun to buy but you can get discounts to reduce the price significantly. A few discounts will be applied when you purchase, but some may not be applied and must be specially asked for prior to receiving the credit.

  • Accident-Free Discounts – Claim-free drivers can save substantially compared to accident-prone drivers.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles are stolen with less frequency and that can save you a little bit as well.
  • Multi-policy Discount – If you can combine your auto and homeowners policy and place coverage with the same company they may give you a discount of as much as 10 to 15 percent.
  • Own a Home – Owning a home can help you save on auto insurance because it demonstrates responsibility.
  • Low Miles Discount – Driving fewer miles may enable drivers to earn better auto insurancerates on cars that stay parked.
  • 55 and Retired – Seniors are able to get better auto insurance rates for Aerostar coverage.
  • Telematics Discount – Drivers who elect to allow their insurance company to track when and where they use their vehicle by using a telematics device like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
  • Braking Control Discount – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.
  • Professional Organizations – Having an affiliation with certain professional organizations could trigger savings on your next auto insurance statement.
  • Discounts for Multiple Vehicles – Buying a policy with more than one vehicle on one policy can reduce rates for all insured vehicles.

Don’t be shocked that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.

Large auto insurance companies and some of their more popular discounts are shown below.

  • State Farm has discounts for passive restraint, accident-free, safe vehicle, anti-theft, Drive Safe & Save, and driver’s education.
  • Esurance includes discounts for renters, safety device, homeowner, paid-in-full, Switch & Save, and defensive driver.
  • Progressive discounts include online signing, multi-policy, online quote discount, homeowner, continuous coverage, and multi-vehicle.
  • Liberty Mutual offers premium reductions for newly married, multi-car, hybrid vehicle, good student, newly retired, and new vehicle discount.
  • Auto-Owners Insurance policyholders can earn discounts including paid in full, safe vehicle, good student, paperless, company car, and mature driver.
  • GEICO may include discounts for driver training, membership and employees, multi-vehicle, five-year accident-free, and emergency military deployment.

When quoting, ask each insurance company which discounts you qualify for. Savings may not apply to policyholders in your area.

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

secured lock Secured with SHA-256 Encryption

How your Aerostar insurance rates are determined

Consumers need to have an understanding of some of the things that play a part in calculating your policy premiums. If you have some idea of what determines premiums, this helps enable you to make changes that can help you get much lower annual insurance costs. Lots of factors are part of the equation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but other factors are less obvious like where you live or how safe your car is.

  • Premiums increase with policy add-ons – There are many additional extra coverages that you can buy but may not be useful. Insurance for things like vanishing deductibles, towing, and term life insurance may be costing you every month. They may sound like good ideas at first, but if you’ve never needed them in the past consider taking them off your policy.
  • You might pay higher costs if you are single – Being married may earn you lower rates on your policy. It may mean you are more mature and responsible and insurance companies like that being married results in fewer claims.
  • Premiums are affected by your credit rating – An insured’s credit rating is a large factor in determining your rates. Consumers who have very high credit ratings tend to be more responsible and file fewer claims as compared to drivers with worse credit. Therefore, if your credit rating can be improved, you could save money insuring your 1995 Ford Aerostar by repairing your credit.
  • Too many insurance coverage claims will drive prices up – Insurance companies generally give cheaper rates to drivers who are not frequent claim filers. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Don’t cancel your insurance coverage policy without a new one in place – Driving your car without having proper coverage is a big no-no and any future policy may cost more because you let your insurance coverage expire. Not only will you pay more, the inability to provide proof of insurance may result in a steep fine or even jail time.

Don’t assume everyone needs the same car insurance coverage

When choosing the best car insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • Does coverage extend to my business vehicle?
  • Is my teen driver covered when they drive my company car?
  • Will my insurance pay for OEM parts?
  • Who is covered by my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I waive the damage coverage when renting a car?
  • Do I need replacement cost coverage on my 1995 Ford Aerostar?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages and their meanings

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like X-ray expenses, surgery, doctor visits, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverage

Liability insurance provides protection from damage that occurs to other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for claims like funeral expenses, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Aerostar.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Collision coverage protection

Collision insurance pays for damage to your Aerostar caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, damaging your car on a curb, rolling your car, crashing into a building and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, hail damage, damage from flooding and damage from getting keyed. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

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

secured lock Secured with SHA-256 Encryption

You can do this!

In this article, we presented many ideas to shop for 1995 Ford Aerostar insurance online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest rates come from a small local company.

While you’re price shopping online, you should never buy poor coverage just to save money. There have been many cases where drivers have reduced collision coverage and discovered at claim time that it was a big error on their part. Your focus should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

Consumers who switch companies do it for many reasons like denial of a claim, high prices, being labeled a high risk driver and unfair underwriting practices. Regardless of your reason for switching companies, finding the right insurance provider can be easy and end up saving you some money.

More information can be found at the links below