View 1999 Ford Windstar Cargo Insurance Cost

Searching for the cheapest car insurance rates for your Ford Windstar Cargo? Are you at wits end from sacrificing to make your car insurance payment? You are no different than many other consumers.

Popular companies such as GEICO, Farmers Insurance and State Farm all promote huge savings with ads and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It’s a good habit to do rate comparisons every six months since rates fluctuate regularly. Even if you got the best premium rates for Windstar Cargo insurance six months ago a different company probably has better prices today. Don’t believe everything you read about car insurance on the internet, but in this article, you’re going to get some great ways to lower your car insurance rates.

Are you receiving every discount?

Not many people think insurance is cheap, but you may be missing some discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but occassionally some discounts must be specifically requested in order for you to get them.

  • Active Military Service – Being deployed with a military unit could qualify you for better insurance rates.
  • Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • Own a Home and Save – Just being a homeowner can earn you a little savings because owning a home shows financial diligence.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Government Employees – Employees or retirees of the government could provide a small rate reduction for Windstar Cargo insurance with select insurance companies.
  • Auto/Life Discount – Some companies give a small discount if you purchase some life insurance too.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Windstar Cargo insurance than less cautious drivers.
  • Senior Citizens – Seniors may receive a small discount on rates for Windstar Cargo insurance.
  • No Claims – Claim-free drivers pay less when compared with policyholders that have many claims.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, nobody gets a free ride.

Popular insurance companies and some of the premium reductions they offer can be read below.

  • State Farm has savings for multiple policy, good student, multiple autos, anti-theft, passive restraint, and good driver.
  • Liberty Mutual discounts include multi-policy, hybrid vehicle, multi-car, new vehicle discount, good student, and exclusive group savings.
  • American Family may include discounts for Steer into Savings, accident-free, defensive driver, bundled insurance, TimeAway discount, and good student.
  • Progressive offers discounts for multi-vehicle, homeowner, continuous coverage, multi-policy, and good student.
  • Farmers Insurance offers premium reductions for early shopping, good student, pay in full, electronic funds transfer, teen driver, and business and professional.
  • Auto-Owners Insurance includes discounts for student away at school, air bags, safe vehicle, safe driver, group or association, and anti-lock brakes.
  • SAFECO policyholders can earn discounts including bundle discounts, drive less, teen safety rewards, multi-car, teen safe driver, and anti-theft.

If you need low cost auto insurance quotes, ask all the companies to apply every possible discount. Discounts may not apply to policyholders everywhere. To see insurance companies who offer free insurance quotes, click here.

Compare insurance rate quotes online

To get cheap auto insurance quotes, there a variety of ways of comparing rates from many available insurance companies in your state. The best method to find cheaper Ford Windstar Cargo rates is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  • The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating repetitive form entry for every prospective company. One quote request will get you price quotes from several companies.
  • A more time consuming way to shop for insurance online is to manually visit each company website and get a separate price quote. For instance, let’s assume you want to compare prices for Auto-Owners, Esurance and State Farm. To find out each rate you need to navigate to each company’s site to enter the same coverage data repeatedly, which can get old fast.

    For a list of links to insurance companies in your area, click here.

  • The least efficient way to compare price quotes to insurance agents’ offices. Quoting and buying insurance online eliminates the need for an insurance agent unless you prefer the trained guidance of a local agent. Although you can price shop your coverage online but buy from a local insurance agent.

The method you choose is up to you, but be sure you’re using the same information for every quote you compare. If you compare unequal deductibles or liability limits you can’t possibly make a fair rate comparison. Slightly different insurance coverages or limits could mean much higher rates. It’s important to know that getting more free quotes helps locate more affordable insurance. Some regional insurers cannot provide online quotes, so it’s recommended that you also compare quotes from the smaller companies as well.

Why smart consumers pay less for Ford Windstar Cargo insurance

Part of the insurance buying process is learning the different types of things that play a part in calculating the level of your policy premiums. When you understand what determines base rates, this empowers consumers to make smart changes that can help you get cheaper rates. Lots of factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, although some other factors are less obvious like where you live and annual miles driven.

  • Your liability limits – Liability coverage kicks in when you are found liable for damages caused by your negligence. Your liability coverage provides legal defense coverage which can cost a lot. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Drivers with excellent credit save – Your credit history can be a huge factor in determining premium rates. If your credit history leaves room for improvement, you could pay less to insure your 1999 Ford Windstar Cargo by improving your rating. Consumers who have good credit tend to be better drivers and file fewer claims than those with worse credit.
  • Mature drivers pay less – Inexperience drivers tend to be less responsible in a vehicle therefore insurance rates are much higher. If you’ve ever had to add a inexperienced driver to your policy can cause a big jump in price. Older insureds are proven to be safer behind the wheel, tend to file fewer claims and receive fewer citations.
  • Females tend to be lower risk – Statistics have proven that men are more aggressive behind the wheel. This data doesn’t prove that females are better at driving than males. Both genders get in accidents at about the same rate, but men have accidents that have higher claims. They also receive more major tickets such as reckless driving.
  • Always keep your insurance in force – Having an insurance coverage lapse is a sure-fire way to drive up your policy premiums. In addition to paying higher rates, the inability to provide proof of insurance may result in a steep fine or even jail time.
  • Deter vehicle theft – Owning a car that has a built-in theft deterrent system can save you some money. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent your vehicle from being stolen.

When in doubt talk to an agent

When choosing adequate coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

  • Do I need PIP coverage since I have good health insurance?
  • At what point should I drop full coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • When should I buy a commercial auto policy?
  • How much can I save by bundling my policies?
  • Should I buy more coverage than the required minimum liability coverage?
  • Where can I get insurance after a DUI in my state?
  • Is there coverage for injuries to my pets?
  • I don’t drive much so do I pay less?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance coverage considerations

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on most auto insurance policies.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, sustaining damage from a pot hole, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Windstar Cargo.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for ambulance fees, rehabilitation expenses, pain medications and doctor visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers 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

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, hitting a bird, theft and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like loss of income, emergency aid, repair costs for stationary objects, medical expenses and medical services. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

A penny earned…

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at an affordable rate while still protecting your assets.

We just showed you many tips how you can shop for 1999 Ford Windstar Cargo insurance online. The key concept to understand is the more times you quote, the higher your chance of finding the cheapest auto insurance. Consumers may even find the lowest priced insurance comes from a small mutual company. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

Cheap 1999 Ford Windstar Cargo insurance is definitely available from both online companies in addition to local insurance agencies, and you should be comparing both to have the best selection. Some insurance providers may not provide online quoting and many times these regional insurance providers sell through independent insurance agents.

More detailed insurance information can be read by following these links: