Compare 1996 Ford Windstar Insurance Rates

Shoppers have options when shopping for low-cost Ford Windstar insurance. They can either spend hours contacting agents trying to get quotes or leverage the internet to find the lowest rates.

There is a better way to compare insurance rates and we’ll show you the quickest way to quote coverages for your Ford and get the lowest price from local insurance agents and online providers.

It is always a good idea to compare rates at least once a year because insurance prices tend to go up over time. If you had the best rates on Windstar coverage last year other companies may now be cheaper. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.

Buy car insurance online

There are several ways you can shop for car insurance and some are less time-consuming than others. You could waste a few hours driving to agents in your area, or you can utilize the web to get pricing more quickly.

Most of the best insurance companies participate in a marketplace where insurance shoppers send in one quote, and each participating company can give them a price. This prevents consumers from doing form submissions to every company.

To participate in this free quote system, click here to start a free quote.

One minor caviat to pricing coverage this way is that you can’t choose the providers you want to price. So if you want to select specific insurance companies to receive pricing from, we have a listing of car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing identical coverage limits and deductibles for every company. If you compare differing limits it will be impossible to find the best deal for your Ford Windstar.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions may help you determine if your situation might need professional guidance.

Is my Ford Windstar covered if I use it for business?
Can I afford to pay high deductible claims out of pocket?
Is my nanny covered when driving my vehicle?
Do I get a pro-rated refund if I cancel my policy early?
Is my 1996 Ford Windstar covered for flood damage?
Do I benefit by insuring my home with the same company?
What if I don’t agree with a claim settlement offer?
What happens if I owe more than my 1996 Ford Windstar is worth?
Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Insurance coverage options for a Ford Windstar

Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, hitting a deer, hail damage and fire damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

This coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as bail bonds, attorney fees, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Windstar.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits do not exceed the liability coverage limits.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with a tree, backing into a parked car, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses like X-ray expenses, chiropractic care, rehabilitation expenses and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage