How Much Does 2001 Ford Windstar Car Insurance Cost?

Locating better insurance prices for a new or used Ford Windstar could be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to shop for car insurance so you’re going to learn the quickest way to get price quotes for a Ford and locate the lowest possible price either online or from local insurance agents.

Ways to get car insurance price quotes

Performing a rate comparison is a ton of work if you don’t utilize the easiest way. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use the internet to get pricing more quickly.

Most of the best insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company returns a competitive quote. This saves time by eliminating quote forms to each company.

To compare rates using this form now click to open in new window.

The single downside to using this type of form is that you can’t choose which carriers you want pricing from. So if you want to select specific insurance companies to compare, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make darn sure you compare nearly identical quote information on every price quote you get. If each company quotes differing limits it will be impossible to find the best deal for your Ford Windstar.

Car insurance companies are expert advertisers

Consumers can’t get away from all the ads that promise big savings by State Farm, GEICO and Progressive. All the ads try to convey promises about how much you will save if you just switch your policy.

How do they all claim to save you money? Here is the trick they use.

Car insurance companies quote their cheapest rates for a prospective insured that will add to their bottom line. An example of a preferred risk might be described as over the age of 50, has no tickets, and drives less than 7,500 miles a year. A driver who fits that profile will get very good rates and have a good chance to cut their rates substantially.

People who are not a match for these stringent criteria will be quoted a higher rate which leads to business not being written. If you pay close attention to the ads, they say “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently make claims that they all have the best prices. This really emphasizes why drivers must do a rate comparison at every renewal. You cannot predict with any certainty which company will provide the lowest premium rates.

Smart choices result in lower insurance rates

The best way to find cheaper insurance coverage is to take a look at the different types of things that aid in calculating the rates you pay for insurance coverage. If you understand what determines premiums, this allows you to make educated decisions that may reward you with lower rates. Lots of factors are part of the equation when premium rates are determined. Some are obvious like a motor vehicle report, although others are less apparent like your continuous coverage or your vehicle rating.

  • Insurance coverage rates and your employer – Did you know that where you work can have an impact on rates? Occupational choices like fire fighters, architects and accountants are shown to have higher average rates in part from high stress levels and lots of time spent at work. On the flip side, jobs like actors, engineers and the unemployed pay the least for Windstar coverage.
  • Liability protection limits are a factor – The liability coverage on your policy provides coverage if you are responsible for damages caused by your negligence. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
  • Combine home and auto and save – Most companies will give a discount to clients who have multiple policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to get quotes from other companies to help ensure you have the lowest rates. Consumers may save even more by splitting coverages up.
  • Always keep your insurance coverage in force – Not having insurance can get you a ticket and companies may charge more for letting your insurance lapse. Not only will you pay higher rates, the inability to provide proof of insurance might get you fines and jail time.
  • Where you reside is a factor – Residing in smaller towns and rural areas of the country is a good thing if you are looking for the lowest rates. People who live in big cities tend to have traffic congestion and higher rates of accident claims. Fewer drivers corresponds to lower accident rates and a lower car theft rate.
  • Do you really need the extra policy coverages? – Insurance policies have a lot of additional coverages that may not really be needed if you don’t pay attention. Coverages for replacement cost coverage, high-cost glass coverage, and additional equipment coverage are examples of these. They may sound like good ideas at first, but if they’re wasting money remove them from your policy.
  • Consider raising deductibles – Deductibles for physical damage are the amount of money you are willing to pay before your insurance coverage pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some coverage claims could be collision with another vehicle, damage from fire, or theft of your vehicle. The more expense you’re willing to pay, the lower your rates will be for Windstar coverage.

These discounts can lower your insurance rates

Companies offering auto insurance do not list the entire discount list in an easy-to-find place, so we break down some of the best known as well as the least known insurance savings. If you do not double check each discount you qualify for, it’s possible you qualify for a lower rate.

  • Waiver for an Accident – Not necessarily a discount, but some companies like Progressive, State Farm and GEICO may permit one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper because new model year vehicles have to meet stringent safety requirements.
  • Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts as compared to policyholders that have many claims.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in school or through a local driver safety program.
  • Life Insurance Discount – Larger insurance carriers have a discount if you purchase a life insurance policy as well.
  • ABS Braking Discount – Cars and trucks with ABS braking systems or traction control are much safer to drive and therefore earn up to a 10% discount.
  • Sign Early and Save – Some companies reward drivers for switching companies prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Professional Memberships – Affiliation with a professional or civic organization could earn you a nice discount on your policy.
  • Smart Student Discounts – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.

Don’t be shocked that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.

Companies and the discounts they provide are outlined below.

  • State Farm may have discounts that include accident-free, safe vehicle, anti-theft, multiple autos, good student, Drive Safe & Save, and multiple policy.
  • Esurance offers discounts including defensive driver, multi-car, renters, online shopper, and good student.
  • Progressive has savings for online signing, continuous coverage, multi-policy, multi-vehicle, good student, homeowner, and online quote discount.
  • Liberty Mutual has discounts for preferred payment discount, newly married, new vehicle discount, multi-car, and good student.
  • Auto-Owners Insurance may include discounts for anti-lock brakes, group or association, company car, anti-theft, paperless, and multi-policy.
  • GEICO discounts include membership and employees, multi-vehicle, daytime running lights, air bags, and military active duty.

When quoting, ask each insurance company to give you their best rates. Some discounts may not be offered in your area. If you would like to view insurance companies with discount insurance rates, click this link.

Different people need different insurance coverages

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

  • Can I make deliveries for my home business?
  • Is my ex-spouse still covered by my policy?
  • Should I buy full coverage?
  • Is business property covered if stolen from my car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance policy specifics

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision – This will pay to fix damage to your Windstar resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for bills like funeral costs, EMT expenses, nursing services and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Ford Windstar.

Because many people 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 very important.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like falling objects, damage from a tornado or hurricane, rock chips in glass, a tree branch falling on your vehicle and vandalism. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage – Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as bail bonds, attorney fees, court costs and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy higher limits if possible.

Save for a rainy day

When searching for inexpensive insurance quotes, you should never skimp on coverage in order to save money. There are a lot of situations where someone sacrificed full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

Consumers leave their current company for a number of reasons such as delays in paying claims, policy cancellation, an unsatisfactory settlement offer and delays in responding to claim requests. No matter why you want to switch, finding a new car insurance company is easier than you think.

We just presented some good ideas how to shop for 2001 Ford Windstar insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding affordable insurance. You may be surprised to find that the best price on car insurance is with a smaller regional carrier.

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