1997 Ford Aerostar Insurance Quotes – 8 Tricks for Best Rates

Looking for lower insurance rates? Shoppers have options when shopping for the best price on Ford Aerostar insurance. They can either waste time calling around to compare prices or leverage the internet to get rate quotes. There are more efficient ways to compare insurance rates and we’ll show you the proper way to compare rates for a Ford and get the best price possible from both online companies and local agents.

If you have a policy now or are looking for a new policy, you can use these tips to get lower rates while maximizing coverage. This article will instruct you on how car insurance quotes work and some tips to save money. Drivers just need to understand the proper methods to shop over the internet.

Compare free car insurance quotes

There are several ways to compare car insurance prices but there is one way that is easier and takes less work. You can spend countless hours driving to local insurance agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most car insurance companies take part in a program where prospective buyers only type in their quote data once, and at least one company returns a competitive quote. This eliminates the need for quote requests for each company.

To access this free quoting program, click here (opens in new window).

The one disadvantage to pricing coverage this way is that you can’t choose which companies you want pricing from. If you prefer to choose specific providers to request quotes from, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make sure you compare nearly identical coverages and limits for each price quote. If you are comparing different deductibles you will not be able to determine the best price for your Ford Aerostar.

Insurance Coverage Discounts

Insurance coverage can be pricey, but there may be some discounts that you may not even know about. Certain discounts will be triggered automatically at the time of quoting, but some need to be specially asked for before you will receive the discount.

  • Mature Driver Discount – Seniors can get reduced rates on Aerostar coverage.
  • Distant Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • Telematics Devices – Drivers who agree to allow driving data submission to track where and when they drive by using a telematic data system such as State Farm’s In-Drive could save a few bucks if they are good drivers.
  • Multi-car Discount – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
  • ABS and Traction Control Discounts – Vehicles with ABS and/or traction control prevent accidents and qualify for as much as a 10% discount.
  • Savings for New Vehicles – Buying a new car model can be considerably cheaper because new vehicles are generally safer.
  • Life Insurance – Select companies reward you with lower prices if you buy life insurance.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.

Just know that most credits do not apply the the whole policy. Most only cut individual premiums such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, that’s just not realistic.

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

  • State Farm has savings for accident-free, student away at school, good student, defensive driving training, and anti-theft.
  • Geico includes discounts for defensive driver, good student, anti-theft, air bags, emergency military deployment, driver training, and anti-lock brakes.
  • Liberty Mutual offers discounts including new graduate, good student, newly retired, safety features, and exclusive group savings.
  • The Hartford offers premium reductions for defensive driver, driver training, bundle, vehicle fuel type, air bag, good student, and anti-theft.
  • MetLife may have discounts that include defensive driver, good driver, accident-free, claim-free, and multi-policy.
  • Progressive has discounts for online signing, homeowner, continuous coverage, multi-vehicle, online quote discount, good student, and multi-policy.

Before you buy a policy, ask all the companies how you can save money. Some credits might not apply in every state.

Tailor your car insurance coverage to you

When it comes to buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether your personal situation could use an agent’s help.

  • Am I covered when driving someone else’s vehicle?
  • Is business equipment covered while in my vehicle?
  • Do I need higher collision deductibles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I afford to pay high deductible claims out of pocket?
  • What are the best liability limits?
  • Is my ex-spouse still covered by my policy?
  • Are rental cars covered under my policy?
  • What if I total my 1997 Ford Aerostar and owe more than it’s worth?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Truth in auto insurance advertising

Consumers constantly see and hear ads that promise big savings for switching by Progressive, Allstate and Geico. They all seem to state the claim that you’ll save big if you switch to their company.

How does each company sell you cheaper insurance coverage?

Many companies quote their cheapest rates for the type of customer that will add to their bottom line. One example of a desirable risk might be described as a married female, has a low-risk occupation, and has a high credit rating. A driver that meets those criteria will most likely get cheap rates and will probably save a lot of money.

Drivers who are not a match for the ideal profile will probably have to pay higher premiums and this results in the customer not purchasing. Company advertisements say “customers who switch” but not “everyone who gets a quote” save that much. That is how insurance companies can confidently make the claims of big savings. This emphasizes why you need to compare as many free car insurance quotes as you can. It is just not possible to predict with any certainty which company will have the lowest rates.

Detailed coverages of your auto insurance policy

Having a good grasp of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for liability

This can cover damage that occurs to other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, court costs and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses for rehabilitation expenses, EMT expenses, doctor visits and nursing services. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, theft and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Aerostar.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Auto collision coverage

Collision insurance covers damage to your Aerostar from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Final thoughts

There are still a few companies who do not provide price quotes online and most of the time these small, regional companies sell through local independent agencies. The cheapest 1997 Ford Aerostar insurance can be sourced both online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

People change insurance companies for a variety of reasons including denial of a claim, poor customer service, questionable increases in premium and high prices. Regardless of your reason, choosing a new company can be pretty painless.

Throughout this article, we presented many ways to get a better price on 1997 Ford Aerostar insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even find the most savings is with a small mutual company.

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