1997 Ford Windstar Insurance Rates

Are you sick and tired of not being able to afford to pay your car insurance bill each month? You’re in the same situation as many other drivers.

Multiple auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute cheapest price

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Finding affordable coverage is quite easy. Nevertheless, consumers must understand how the larger insurance companies price online insurance and take advantage of how the system works.

Cut your premium with these five discounts

The cost of insuring your cars can be expensive, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied when you quote, but a few need to be inquired about prior to receiving the credit.

• Homeowners Discount – Being a homeowner can help you save on insurance because of the fact that having a home demonstrates responsibility.
• Bundle and Save – When you have multiple policies with one company you may earn approximately 10% to 15%.
• Accident Forgiveness – Certain companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
• Military Rewards – Being on active duty in the military could mean lower rates.
• Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will help reduce the cost of coverage.

For a list of insurers with the best insurance discounts, click here.

Compare Quotes for Auto Insurance

Shopping for lower auto insurance rates can be a lot of work if you don’t know the most efficient way to do it. You can waste a lot of time driving to agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Many insurance companies belong to a marketplace where prospective buyers submit their information once, and each company can give them a price for coverage. This prevents consumers from doing quote requests for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to pricing coverage this way is you are unable to specify the companies you want to price. So if you prefer to pick specific providers for rate comparison, we have a page of low cost auto insurance companies in your area. Click here to view list.

Whichever method you choose, compare apples-to-apples information for each price quote. If your comparisons have different values for each quote it will be very difficult to make an equal comparison. Quoting even small variations in coverages can make a big difference in price. And when price shopping your coverage, obtaining a wide range of quotes gives you a better chance of getting lower pricing.

What is the best insurance coverage?

When choosing coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine whether your personal situation might need an agent’s assistance.

• Am I covered when driving someone else’s vehicle?
• Am I covered if I hit a deer?
• When would I need rental car insurance?
• When does my teenage driver need to be added to my policy?
• Is my 1997 Ford Windstar covered for smoke damage?
• Am I covered when driving on a suspended license?
• Do I have newly-aquired coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

The fine print in car insurance ads

Companies like Allstate, GEICO and Progressive consistently run ads on television and other media. All the ads make an identical promise that you’ll save big if you change your policy. But how can every company make almost identical claims? It’s all in the numbers.

Different companies can use profiling for the type of driver that earns them a profit. A good example of a desirable insured could be over the age of 40, a clean driving record, and has great credit. A customer getting a price quote who fits that profile will get very good rates and most likely will pay quite a bit less when switching companies.

Drivers who do not match this ideal profile will have to pay a higher premium which usually ends up with business going elsewhere. The ads state “customers who switch” but not “drivers who get quotes” save money. That’s the way companies can make the claims of big savings.

Because of the profiling, it’s extremely important to get a wide range of price quotes. It’s just too difficult to predict which company will have the lowest Ford Windstar insurance rates.

Educate yourself about auto insurance coverages

Understanding the coverages of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by auto insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages

This coverage provides protection from damage that occurs to other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, bail bonds and pain and suffering. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like chiropractic care, X-ray expenses, rehabilitation expenses and surgery. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, backing into a parked car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, theft, a broken windshield, vandalism and damage from flooding. The maximum amount your auto insurance company will pay 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.

Keep this in mind

Discount 1997 Ford Windstar insurance is available on the web and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

In this article, we presented many ideas to save on insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the best prices are with a smaller regional carrier. These companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

To read more, link through to these articles:

• Understanding your Policy (NAIC.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Top Signs Your Brakes are Giving Out (State Farm)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Electronic Stability Control FAQ (iihs.org)

Use our FREE quote tool to compare rates now!