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: Jun 12, 2018

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Are you drained from being strong-armed each month for insurance coverage? You’re in the same situation as many other drivers.

Consumers have many insurance companies to insure vehicles with, and although it’s a good thing to have a selection, more choices can make it harder to locate the cheapest rates.

It’s important to compare prices on a regular basis since insurance rates are usually higher with each renewal. If you had the lowest rate on Aerostar insurance two years ago you will most likely find a better price today. Block out anything you think you know about insurance coverage because you’re about to learn the right way to reduce your cost while increasing coverage.

Informed drivers know how to get insurance coverage cheaper

Lots of factors are used in the calculation when you get your auto insurance bill. Most are fairly basic such as traffic violations, but others are less apparent such as your marital status or how safe your car is.

The itemized list below are a few of the things companies use to determine your premiums.

  • High physical damage deductibles equal low rates – Insurance for physical damage to your car, also called ‘full coverage’, covers your vehicle from damage. A few examples of covered claims are running into the backend of another car, damage from fire, and damage caused by flying debris. Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more you pay before a claim is paid (deductible), the lower your rates will be on Aerostar insurance.
  • Your spouse saves you money – Having a wife or husband can get you a discount compared to being single. Having a significant other means you’re more mature and statistics prove drivers who are married file infrequent claims.
  • Where you reside – Residing in less populated areas can be a good thing when trying to find low car insurance rates. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. People in densly populated areas regularly have more auto accidents and higher rates of accident claims. More time on the road statistically corresponds to a higher accident and claim rate.
  • Poor credit rating equals high prices – Your credit score is a big factor in your rate calculation. If your credit history is low, you could save money insuring your 1997 Ford Aerostar if you clean up your credit. Drivers with very good credit scores tend to be less risk to insure as compared to drivers with lower credit ratings.
  • What’s your car’s IIHS safety rating? – Vehicles with good safety scores get lower rates. Safer cars reduce occupant injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your Ford Aerostar is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

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Don’t overlook these auto insurance discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that you may not know about. Certain credits will be shown when you get a quote, but lesser-known reductions have to be manually applied prior to receiving the credit.

  • No Claim Discounts – Insureds who avoid accidents and claims have much lower rates when compared to bad drivers.
  • College Student – College-age children who live away from home to go to college and don’t have a car could qualify for this discount.
  • Senior Citizen Rates – Drivers over the age of 55 may receive a small decrease in premiums on Aerostar insurance.
  • Student Discounts – This discount could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% on Aerostar insurance than their less cautious counterparts.

Discounts lower rates, but some credits don’t apply the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will help reduce the cost of your policy.

Larger auto insurance companies and some of their more popular discounts include:

  • Progressive discounts include homeowner, multi-vehicle, online signing, continuous coverage, online quote discount, multi-policy, and good student.
  • GEICO has discounts for daytime running lights, federal employee, driver training, five-year accident-free, air bags, and multi-vehicle.
  • State Farm policyholders can earn discounts including multiple policy, multiple autos, safe vehicle, good driver, and anti-theft.
  • Esurance may have discounts that include claim free, good student, paid-in-full, multi-car, and Switch & Save.
  • The Hartford has savings for bundle, anti-theft, air bag, driver training, and defensive driver.

Before buying, ask all the companies which discounts you qualify for. Savings may not apply in your area.

When to get professional advice

When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Is my teen driver covered when they drive my company car?
  • Am I covered when using my vehicle for business?
  • Should I put collision coverage on all my vehicles?
  • Does coverage extend to my business vehicle?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverages and their meanings

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages available from car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Ford Aerostar.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision – This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for nursing services, hospital visits, rehabilitation expenses and EMT expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hitting a bird and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages – Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

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 values of 25/50/25 that means you have a limit of $25,000 per injured person, 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 insurance covers things such as bail bonds, loss of income and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

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You can do this!

Some insurance providers do not provide price quotes online and usually these small, regional companies prefer to sell through independent insurance agencies. Cost effective 1997 Ford Aerostar insurance can be purchased online and from local agencies, and you should compare price quotes from both to have the best rate selection.

In this article, we covered some good ideas how you can lower your 1997 Ford Aerostar insurance car insurance rates. The key concept to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may even discover the lowest priced auto insurance comes from the least-expected company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

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