Save on 1993 Ford Aerostar Insurance Quotes

Finding low cost prices on car insurance is nearly impossible for drivers who are beginners to comparing rates online. You have so many agents and companies to choose from that it can quickly become a real difficult job to find the lowest price.

Insurance cost influencing factors

One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that are used to determine the level of your policy premiums. If you have a feel for what determines base rates, this empowers consumers to make smart changes that may reward you with lower rates. Lots of things are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving record, but other criteria are not quite as obvious such as your credit history or your financial responsibility.

Shown below are a partial list of the pieces companies use to determine your prices.

  • More policies can equal more savings – Most larger insurers afford discounts to customers who have multiple policies with them. It’s known as a multi-policy discount. This can amount to ten or even fifteen percent. Even with this discount applied, it’s always a smart idea to check prices from other companies to help guarantee you have the best rates.There is a chance you can save even more than the discount by insuring with multiple companies.
  • Your stress level may be raising your car insurance rates – Do you work in a high-stress field? Jobs like judges, social workers and emergency personnel tend to pay higher average rates in part from high stress and long work hours. Other professions such as farmers, engineers and homemakers have lower than average premiums for Aerostar insurance.
  • Policy add-ons may not be needed – There are quite a few optional add-on coverages that can add up on your 1993 Aerostar policy. Insurance for things like coverage for rental cars, accidental death, and extra equipment coverage may not be needed and are just wasting money. They may seem like a good idea when discussing your needs, but if you’ve never needed them in the past eliminate them to save money.
  • Safety first – Safer cars get lower rates. Vehicles engineered for safety reduce occupant injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy.
  • Do you know you’re credit rating? – Credit score factor in determining what you pay for car insurance. Drivers who have high credit scores tend to file fewer claims and have better driving records than those with lower ratings. If your credit is not that good, you may save money insuring your 1993 Ford Aerostar by spending a little time repairing your credit.

Low cost insurance prices

There are several ways to compare rate quotes from local insurance companies. The quickest method to lower the rate you pay for 1993 Ford Aerostar insurance involves getting comparison quotes online. This can be done using a couple different methods.

The most efficient way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This style of form prevents you from having to do boring form submissions to each individual insurance company. Taking the time to complete one form compares rates direct from many companies. This is perfect if you don’t have a lot of time.

A slightly less efficient method to get comparison quotes requires a visit to each individual company website and fill out their own quote form. For instance, we’ll assume you want to see prices from Liberty Mutual, Allstate and American Family. To do that, you would have to navigate to each company’s site to enter your coverage information, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

How you compare quotes is your choice, just do your best to enter the exact same coverages and limits for each comparison quote. If the quotes have differing limits it will be next to impossible to find the best deal for your Ford Aerostar. Slightly different insurance coverages or limits could mean much higher rates. And when comparison shopping, quoting more increases the change that you will find the best rates. Some insurance companies are not set up to provide online rate quotes, so it’s important to compare rates on coverage from those companies, too.

Don’t believe everything you hear

Popular auto insurance providers such as Geico, State Farm and Progressive constantly bombard you with ads in print and on television. They all convey the message that you’ll save big if you switch your policy. But how can every company charge lower premium rates? Here is how they do it.

Different companies have specific criteria for a prospective insured they prefer to insure. For instance, a preferred risk may need to be over age 30, has a low-risk occupation, and drives less than 5,000 miles a year. Someone that matches those criteria will qualify for the lowest car insurance rates and will probably cut their rates substantially.

Drivers who may not quite match these criteria will be quoted higher premiums and ends up with the customer not purchasing. The ad wording is “drivers who switch” but not “all drivers who get quotes” save that kind of money. This is how companies can truthfully make claims that they all have the best car insurance rates.

This illustrates why you absolutely need to get auto insurance quotes from several different companies. It’s just too difficult to predict which auto insurance company will have better rates than you’re paying now.

Cheap insurance rates with discounts

Companies offering auto insurance don’t always list their entire list of discounts very clearly, so the list below contains both the well known and also the more inconspicuous savings tricks you should be using when you buy auto insurance online. If you do not double check each discount available, you could be paying more than you need to.

  • Active Service Discounts – Having a deployed family member may qualify for rate reductions.
  • Homeowners Pay Less – Just being a homeowner can get you a discount because owning a home requires a higher level of personal finance.
  • Memberships – Having an affiliation with specific professional or occupational memberships or organizations could qualify you for a break when shopping for insurance.
  • Good Students Pay Less – Performing well in school may save you up to 25%. Most companies allow this discount well after school through age 25.
  • Accident Forgiveness – Not necessarily a discount, but some companies like Allstate and Progressive will allow you to have one accident before raising your premiums if you are claim-free for a specific time period.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company they may give you a discount of at least 10% off all policies.

As a footnote on discounts, some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.

A list of companies and a selection of discounts are shown below.

  • The Hartford has discounts for good student, anti-theft, vehicle fuel type, bundle, driver training, and air bag.
  • American Family discounts include early bird, air bags, multi-vehicle, good driver, accident-free, and mySafetyValet.
  • Progressive offers discounts for homeowner, online quote discount, multi-vehicle, good student, and multi-policy.
  • Travelers includes discounts for save driver, student away at school, new car, hybrid/electric vehicle, good student, continuous insurance, and multi-car.
  • Farmers Insurance offers discounts including distant student, teen driver, early shopping, switch companies, and business and professional.
  • USAA policyholders can earn discounts including military installation, annual mileage, new vehicle, good student, and family discount.
  • Liberty Mutual may offer discounts for newly married, multi-policy, newly retired, teen driver discount, and new move discount.

If you need lower rates, check with all the companies which discounts they offer. A few discounts may not apply in your area. To see insurance companies who offer discounts, click here.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique.

These are some specific questions may help highlight whether or not you may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • What should my uninsured motorist coverage limits be in my state?
  • Will my insurance pay for OEM parts?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when driving in Canada or Mexico?
  • What is medical payments coverage?
  • What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Information about specific coverages

Having a good grasp of a auto insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance – This provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

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 limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as court costs, funeral expenses, attorney fees and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Collision – This covers damage to your Aerostar resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, colliding with a tree, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 1993 Ford Aerostar.

Due to the fact that many 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 a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for expenses for chiropractic care, EMT expenses, pain medications, nursing services and dental work. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

More choices the merrier

Budget-conscious 1993 Ford Aerostar insurance is definitely available on the web and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies do not offer internet price quotes and many times these small, regional companies only sell coverage through independent agents.

People leave their current company for a variety of reasons including unfair underwriting practices, delays in paying claims, lack of trust in their agent or even poor customer service. It doesn’t matter what your reason, finding a new company is actually quite simple.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice collision coverage only to regret that they should have had better coverage. Your strategy should be to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

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