Lower Your 1999 Ford Windstar Car Insurance Quotes

Looking for lower car insurance rates for your Ford Windstar? When trying to find cheaper insurance, are you confused by the number of car insurance companies in your area? Lot’s of other drivers are too. Vehicle owners have so many choices that it is a burden to lower your car insurance rates.

Compare insurance coverage rates

Performing a rate comparison can take time and effort if you aren’t aware of the most efficient way to do it. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to achieve your goal.

All the larger companies belong to an insurance system where prospective buyers submit one quote, and at least one company then returns a price quote. This system prevents you from having to do quotation requests to each individual insurance coverage company.

To compare rates using this form now click here (opens in new window).

The only drawback to using this type of system is you cannot specify the providers you want pricing from. If you would rather choose from a list of companies to compare, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you are comparing identical coverage limits on every price quote you get. If you have different values for each quote it’s not possible to make an equal comparison. Just slight variations in coverage limits can make a big difference in price. And when comparing insurance coverage rates, know that comparing more rates from different companies will increase your chances of finding the best rates.

Take advantage of these rate-reducing discounts

Companies that sell car insurance don’t always publicize every possible discount very clearly, so below is a list a few of the more well known as well as some of the hidden savings tricks you should be using when you buy insurance online.

Telematics Data – People who choose to allow their insurance company to analyze vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they exhibit good driving behavior.
Discounts for Government Workers – Federal government employees could provide a small rate reduction for Windstar insurance with select insurance companies.
Clubs and Organizations – Participating in specific professional or occupational memberships or organizations can get you a small discount on your next renewal.
Air Bags and Passive Restraints – Options like air bags or motorized seat belts may qualify for discounts up to 30%.
Multiple Policy Discount – If you combine your home and auto policies and insure them with the same company you could earn a discount of 10% to 20% off each policy.
Student Discount for Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
Accident Free – Insureds who avoid accidents and claims can save substantially when compared with insureds who have frequent claims or accidents.
Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save a little on medical payment and PIP coverage.
Save over 55 – Older drivers may be able to get better insurance rates for Windstar insurance.
Own a Home – Simply owning a home can earn you a little savings because it is proof that your finances are in order.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will positively reduce the amount you have to pay.

If you would like to view insurance companies who offer discounts, click here.

Do I need special coverages?

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if you will benefit from professional help.

Should I carry comprehensive and collision coverage?
When would I need rental car insurance?
Does my insurance cover a custom paint job?
What is covered by UM/UIM coverage?
Is a blown tire covered by insurance?
Does liability extend to a camper or trailer?
Will my insurance pay for OEM parts?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverage information

Having a good grasp of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses such as prosthetic devices, ambulance fees and nursing services. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This coverage covers damage to your Windstar resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, colliding with a tree, colliding with another moving vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive insurance

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

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, theft and vandalism. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

Liability insurance can cover damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as legal defense fees, funeral expenses, attorney fees, pain and suffering and court costs. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Ford Windstar.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.