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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Want lower auto insurance rates for your Ford Aerostar? Are you regretting the purchase of an underperforming, overpriced auto insurance policy? You’re in good company because there are many drivers thinking the same thing.

You have multiple insurers to buy insurance from, and although it’s a good thing to have a choice, it can be more difficult to find the lowest cost provider.

Consumers should take time to compare rates occasionally because auto insurance prices go up and down regularly. If you had the best deal on Aerostar coverage a year ago the chances are good that you can find a lower premium rate today. You can find a lot of information about auto insurance on the internet, but by reading this article, you’re going to learn some guaranteed methods to buy auto insurance cheaper.

The best way we recommend to compare rates is to know the trick most larger insurance companies pay for the opportunity to provide you with free rate quotes. All you need to do is provide details like the type of vehicles you drive, if you require a SR-22, your job, and how old drivers are. Your rating data is automatically sent to multiple top-rated companies and they return rate quotes very quickly.

Get cheaper insurance coverage rates with discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that can dramatically reduce your bill. A few discounts will automatically apply at quote time, but lesser-known reductions have to be inquired about before you get the savings.

  • Defensive Driver Discount – Completing a course teaching safe driver skills could earn you a small percentage discount and easily recoup the cost of the course.
  • Theft Deterent Discount – Cars with anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
  • Employee of Federal Government – Active or former government employment could provide a small rate reduction on Aerostar coverage but check with your company.
  • Online Discount – Some of the larger companies give back up to $50 shop auto insurance digitally online.
  • Club Memberships – Being in a qualifying organization could earn you a nice discount on your next insurance coverage statement.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free insurance coverage policy, you won’t be that lucky.

A partial list of companies who may offer these benefits possibly include:

When quoting, ask every company the best way to save money. Depending on the company, some discounts may not be available in your area. If you would like to see a list of insurance coverage companies with discount rates, click this link.

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

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Ford Aerostar insurance premium factors

When buying car insurance it’s important to understand some of the things that are used to determine the price you pay for car insurance. When consumers understand what impacts premium levels, this allows you to make good choices that will entitle you to much lower annual insurance costs.

Shown below are some of the most rate-impacting factors utilized by car insurance companies to help set your rates.

  • Cheaper rates after marriage – Getting married can get you a discount when shopping for car insurance. Having a significant other generally demonstrates drivers are more mature and responsible and statistics show being married results in fewer claims.
  • Car insurance rates and age – More mature drivers are more responsible, tend to file fewer claims .Youthful drivers have a tendency to be easily distracted when behind the wheel and because of this, their car insurance rates are much higher.
  • Costs can change based on your address – Living in smaller towns and rural areas of the country can be a good thing when talking about car insurance. People in densly populated areas have to deal with more road rage incidents and a longer drive to work. Fewer drivers means less chance of accidents as well as less vandalism and auto theft.
  • Remove unneeded extra coverages – There are quite a few extra bells and whistles that you can get tricked into buying if you aren’t diligent. Coverage for things like coverage for rental cars, death and dismemberment, and membership fees are examples of these. They may sound like good ideas when buying your policy, but if they’re wasting money get rid of them and save.
  • Safer occupants lowers car insurance rates – Safer cars can get you lower premiums. Safer cars result in less severe injuries and fewer injuries means your insurance company pays less and cheaper rates on your policy.
  • Don’t abuse car insurance claims – If you are a frequent claim filer, you should expect either higher rates or even cancellation. Auto insurance companies award most affordable rates to people who are claim-free. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For instance, these questions may help you determine if your situation may require specific advice.

  • How high should deductibles be on a 1996 Ford Aerostar?
  • Is pleasure use cheaper than using my 1996 Ford Aerostar to commute?
  • Can I afford to buy a different vehicle if my 1996 Ford Aerostar is totaled?
  • How much liability insurance is required?
  • What if I don’t agree with a claim settlement offer?
  • Why am I required to buy high-risk coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need PIP coverage since I have good health insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance advertising gotchas

Companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to make the promise that drivers can save some big amount if you just switch your policy. How is it possible that every company can have lower policy pricing? This is the way they can do it.

Most companies have underwriting criteria for the type of driver that will be a good risk. One example of a profitable insured might be described as between the ages of 40 and 55, has no claims, and drives less than 10,000 miles a year. A propective insured who meets those qualifications receives the best rates and will also save when switching.

Drivers who fall short of these standards may be required to pay higher prices and the prospect going elsewhere. The trick is to say “drivers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why insurance companies can confidently lure you into getting a quote. Because of the profiling, you really should get auto insurance quotes from several different companies. Because you never know which insurance companies will fit your personal profile best.

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

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Car insurance coverages for a 1996 Ford Aerostar

Having a good grasp of auto insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverages offered by auto insurance companies.

Auto liability – This provides protection from damage or injury you incur to other people or property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things like structural damage, pain and suffering and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Collision coverage – Collision insurance covers damage to your Aerostar 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 pays for things such as hitting a parking meter, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, hitting a deer and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1996 Ford Aerostar.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills such as hospital visits, doctor visits, dental work and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

A penny saved is a penny earned

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. There have been many cases where an insured dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

There are still a few companies who may not offer price quotes online and most of the time these small, regional companies work with local independent agents. Lower-priced 1996 Ford Aerostar insurance can be bought on the web as well as from independent agents, and you should be comparing both to have the best selection.

Additional information can be read on the following sites: