View 1995 Ford Windstar Insurance Quotes

Want lower insurance coverage rates for your Ford Windstar? Have you fallen victim to overpriced insurance coverage? Don’t sweat it because many consumers are in the same pinch. You have multiple auto insurance companies to pick from, and although it’s a good thing to have a choice, too many choices makes it more difficult to compare rates and find the lowest cost insurance coverage.

Why smart consumers pay less for Ford Windstar insurance

Lots of things are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as your driving history, but other factors are not as apparent like where you live or your vehicle rating.Consumers need to have an understanding of the different types of things that come into play when calculating your insurance rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to lower premium levels.

The items below are some of the major factors utilized by car insurance companies to help set prices.

  • Insure car and home with the same company – Most major insurance companies allow a discount to clients that buy multiple policies. It’s known as a multi-policy discount. Even with this discount applied, consumers should still shop around to help guarantee you have the best rates.
  • Higher coverage deductibles are cheaper – Physical damage protection, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Some examples of claims that would be covered could be a broken side mirror, collision with an animal, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. The more damage repair cost you pay before a claim is paid (deductible), the less your insurance will be on Windstar coverage.
  • Single vs. married – Being married may earn you lower rates when buying insurance. Marriage generally demonstrates drivers are more financially stable and statistics show married drivers tend to file fewer claims.
  • Lower premiums by staying claim free – Companies provide the lowest premiums to policyholders who file claims infrequently. If you are the type of insured that files lots of claims you can definitely plan on either policy cancellation or increased premiums. Your car insurance is designed for major claims that would cause financial hardship.
  • Drive a safer car and pay less – Vehicles with good safety scores can get you lower premiums. Safer cars help reduce the chance of injuries in an accident and reduced instances of injuries means your insurance company pays less and thus lower rates.

Cheaper rates by taking advantage of discounts

Companies that sell car insurance don’t list all disounts in a way that’s easy to find, so we break down a few of the more common and the harder-to-find ways to save on car insurance.

  • Distant College Student Discount – Older children who are attending college and leave their car at home could get you a discount.
  • One Accident Forgiven – Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm may permit one accident without the usual rate increase if your claims history is clear before the accident.
  • Pay Now and Pay Less – By making one initial payment instead of monthly or quarterly installments you can actually save on your bill.
  • Renewal Discounts – Some companies provide a discount for signing up before your current expiration date. It could save around 10% when you buy car insurance online.
  • Data Collection Discounts – Insureds who allow their company to analyze when and where they use their vehicle by using a telematics device such as Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
  • Membership in Organizations – Affiliation with qualifying employment or professional organizations may earn a discount on your bill.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Multi-Vehicle Discounts – Insuring multiple cars with the same company can get a discount on all vehicles.

We need to note that some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

Popular car insurance companies and some of the discounts are:

  • State Farm includes discounts for Drive Safe & Save, anti-theft, good student, good driver, multiple policy, and Steer Clear safe driver discount.
  • Geico offers discounts including multi-vehicle, anti-lock brakes, daytime running lights, five-year accident-free, air bags, emergency military deployment, and membership and employees.
  • Liberty Mutual discounts include safety features, new graduate, multi-policy, newly married, good student, and newly retired.
  • The Hartford has discounts for defensive driver, air bag, driver training, good student, vehicle fuel type, bundle, and anti-theft.
  • MetLife may have discounts that include claim-free, accident-free, defensive driver, good driver, multi-policy, and good student.
  • Progressive policyholders can earn discounts including homeowner, multi-vehicle, multi-policy, continuous coverage, online quote discount, and online signing.

When getting a coverage quote, ask every prospective company which discounts you may be entitled to. Some credits might not be offered on policies in your area. To see a list of companies with discount car insurance rates, click here.

Do insurance companies bend the truth?

Consumers get pounded daily by advertisements that promise big savings by 21st Century, Allstate and State Farm. All the ads say the same thing about how much you will save if you move your insurance coverage to their company.

That’s great but how can every company claim to save you money? It’s all in the numbers.

All companies have an ideal profile for the type of insured that will add to their bottom line. For example, a profitable insured should be over age 30, has never had a policy lapse, and drives a vehicle with a low ISO rating. Any driver who matches that profile receives the best prices and will save a lot if they switch.

Potential customers who fall short of this ideal profile may be required to pay more expensive rates and ends up with the customer buying from a different company. The trick is to say “people that switch” not “everybody who quotes” save money. That’s why insurance companies can confidently lure you into getting a quote.

This illustrates why it is so important to quote coverage with many companies. You cannot predict with any certainty which company will provide the lowest rates.

How much insurance do I need?

When buying the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • How do I file an SR-22 for a DUI in my state?
  • When should my teen driver be added to my policy?
  • Am I covered when driving on a suspended license?
  • Am I covered if I break a side mirror?
  • Does coverage extend to my business vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is upholstery damage covered by car insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

What insurance coverages do you need?

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Ford Windstar.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage

This coverage covers damage to your Windstar resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, damaging your car on a curb, crashing into a building, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for things like surgery, pain medications, funeral costs and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, repair bills for other people’s vehicles, pain and suffering and legal defense fees. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, hail damage, damage from flooding, a tree branch falling on your vehicle and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

In Summary

Low-cost 1995 Ford Windstar insurance can be sourced both online and from local insurance agents, so get free car insurance quotes from both of them in order to have the best price selection to choose from. A few companies do not offer price quotes online and many times these small, regional companies sell through independent insurance agents.

We just showed you a lot of techniques to get a better price on 1995 Ford Windstar insurance. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with the least-expected company. They may only write in your state and offer lower car insurance rates as compared to the big name companies such as Progressive or Geico.

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