1995 Ford Windstar Insurance Rates

Nobody that owns a car fancies paying their premiums for insurance, in particular when they could find better prices if they shop around.

Companies like State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with advertising and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

Consumers should take time to price shop coverage periodically because prices are usually higher with each renewal. Despite the fact that you may have had the best quotes for Windstar coverage at your last renewal you may be paying too much now. Don’t believe everything you read about insurance online but in a few minutes you can learn a bunch of ideas how to find cheap insurance.

If you currently have a car insurance policy, you will most likely be able to save some money using this information. Choosing the best insurance company for you is easy if you know what you’re doing. But consumers can benefit from knowing how companies compete online because it can help you find the best coverage.

Find discounts to get cheap car insurance quotes

Insurance can cost an arm and a leg, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be asked for before you will receive the discount.

  • Distant Student Discount – who live away from home to go to college and won’t have access to an insured vehicle can receive lower rates.
  • Own a Home – Owning your own home or condo can save a few bucks since owning and maintaining a home is proof of financial responsibility.
  • Accident Forgiveness – Not really a discount, but some companies like Liberty Mutual, Allstate and State Farm will let one accident slide before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Early Switch Discount – Some insurance companies give discounts for signing up prior to your current policy expiring. You can save around 10% with this discount.
  • E-sign Discounts – A few larger companies will give a small break for buying your policy on your computer.

A quick disclaimer, most discount credits are not given to the entire cost. Most only reduce individual premiums such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

Popular car insurance companies and some of the premium reductions they offer are outlined below.

  • The Hartford policyholders can earn discounts including bundle, defensive driver, vehicle fuel type, good student, anti-theft, air bag, and driver training.
  • American Family offers discounts for good student, early bird, bundled insurance, accident-free, and defensive driver.
  • Progressive has savings for homeowner, good student, multi-vehicle, continuous coverage, online signing, online quote discount, and multi-policy.
  • Travelers may offer discounts for home ownership, student away at school, good student, driver training, save driver, early quote, and multi-car.
  • Farmers Insurance discounts include distant student, business and professional, electronic funds transfer, early shopping, switch companies, and alternative fuel.
  • USAA may include discounts for good student, new vehicle, multi-policy, multi-vehicle, military installation, and safe driver.
  • Liberty Mutual includes discounts for exclusive group savings, safety features, new graduate, good student, teen driver discount, and preferred payment discount.

When quoting, ask each company or agent which discounts can lower your rates. Some discounts may not be offered in your area. If you would like to view car insurance companies that offer many of these discounts, click here to view.

Informed drivers can lower insurance rates

A large part of saving on insurance is knowing some of the elements that come into play when calculating your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make good choices that can earn you much lower annual insurance costs.

  • Married drivers pay less – Having a wife or husband can actually save you money on your insurance policy. Having a significant other usually means you are more financially stable and it’s statistically proven that drivers who are married file infrequent claims.
  • Bad drivers pay high rates – Only having one driving citation can increase rates to the point where it’s not affordable. Attentive drivers pay lower auto insurance prices than bad drivers. Drivers who have multiple tickets like DUI or reckless driving may find that they have to to submit a SR-22 form with their state DMV in order to continue driving.
  • Increase physical damage deductibles to save – The deductibles tell how much you are required to spend if a covered claim is submitted. Protection for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims are colliding with a stationary object, animal collisions, and having a roll-over accident. The higher the amount you have to pay, the lower your rates will be for Windstar coverage.
  • Prevent theft and lower insurance rates – Selecting a car model that has a built-in theft deterrent system can help bring down rates. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent auto theft and help lower rates.
  • Don’t skimp on liability protection – A critical coverage on your policy, liability insurance kicks in if ever a court rules you are at fault for an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. It is affordable coverage as compared to coverage for physical damage, so drivers should carry high limits.
  • Lower rates for being claim-free – Insurance companies give most affordable rates to people that do not abuse their auto insurance. If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of more catestrophic claims.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.

  • Why am I required to buy high-risk coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How high should my medical payments coverage be?
  • When should I buy a commercial auto policy?
  • When can my company non-renew my policy?
  • How do I file an SR-22 for a DUI in my state?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Do you really save 40% when you switch?

Well-known auto insurance companies like Allstate and Progressive seem to constantly run ads in print and on television. They all seem to make the point of big savings just by switching your policy. That’s great but how can every company offer you a better deal? It’s all in the words they use.

All companies offer their best rates for the type of driver that earns them the highest profit. For instance, a desirable risk might have to be between 30 and 50, has no tickets, and drives less than 5,000 miles a year. Anybody that matches those criteria will probably get the lowest prices and as a result will probably save when switching.

Potential customers who don’t qualify for this stringent profile may be required to pay a higher rate which leads to the customer not purchasing. If you listen to the ad wording, they say “drivers who switch” not “everybody who quotes” save that much. That’s why companies can truthfully state the savings. Because each company has a different risk profile, drivers should compare many company’s prices. It’s not possible to predict with any certainty which company will have the best premium rates for your profile.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Liability insurance

This can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as repair costs for stationary objects, bail bonds and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like doctor visits, hospital visits, ambulance fees, surgery and dental work. They can be used in conjunction with a health insurance policy 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. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your Windstar resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, damaging your car on a curb, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, hitting a deer, falling objects and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your 1995 Ford Windstar.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Final considerations

Cheaper insurance coverage is definitely available on the web and from local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance coverage companies do not provide online price quotes and these smaller companies only sell coverage through independent agents.

We just showed you many ways to get a better price on 1995 Ford Windstar insurance. The most important thing to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices come from a small local company. They can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your goal should be to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

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