Save on 2003 Ford Windstar Cargo Car Insurance Rates

Looking for better car insurance rates for your Ford Windstar Cargo? Purchasing the most affordable car insurance on the internet may seem to be difficult for consumers that are not comfortable with quoting and comparing rates and buying car insurance on the web. With a ridiculous number of companies in the marketplace, how are we expected to even start to compare every possible option in order to find the lowest price?

What determines Ford Windstar Cargo insurance costs?

Consumers need to have an understanding of some of the elements that come into play when calculating the level of your policy premiums. If you have some idea of what determines base rates, this enables you to make decisions that can earn you cheaper rates.

The list below includes a few of the things companies use to determine premiums.

  • Does car insurance cost less for women? – Statistics have proven that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. Females and males cause at-fault accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get ticketed for serious violations like DUI and reckless driving. Male teenagers are several times more likely to be in an accident and are penalized with high insurance rates.
  • Continuous insurance coverage saves money – Having an insurance coverage lapse is a sure-fire way to pay more for insurance. Not only will rates go up, the inability to provide proof of insurance will get you fines or a revoked license.
  • Liability protection is critical – The liability coverage on your policy will provide protection if ever you are found liable for an accident. Liability provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Consider raising deductibles – Physical damage coverage, aka comp and collision, covers your vehicle from damage. Some instances where coverage would apply are colliding with a building, vandalism, or theft. Comp and collision deductibles are the amount of money you are required to pay if a covered claim is submitted. The larger the amount you pay before a claim is paid (deductible), the better rate you will receive for Windstar Cargo coverage.
  • Bundle policies and save money – Most insurance companies will award better rates to insureds who carry more than one policy. It’s known as a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount drivers will still want to compare other insurance prices to verify if the discount is saving money.
  • Good credit means lower costs – Having a bad credit score is likely to be a major factor in determining what you pay. Insureds with high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. If your credit score could use some work, you could potentially save money when insuring your 2003 Ford Windstar Cargo by improving your rating.
  • Policy add-ons may not be needed – There are many optional add-on coverages that can waste your money if you aren’t diligent. Coverages for rental car coverage, towing, and term life insurance are examples of these. These may sound like a good investment when discussing your needs, but if you’ve never needed them in the past remove them and pocket the money.

Car insurance companies offer many discounts

Car insurance can cost a lot, but discounts can save money and there are some available that can dramatically reduce your bill. Some discounts will apply when you quote, but some must be asked about prior to receiving the credit. If you check and find you aren’t receiving every discount possible, you could be getting lower rates.

  • Sign Online – A few car insurance companies will provide an incentive for signing up on the internet.
  • Renewal Discounts – A few companies give discounts for buying a new policy prior to your current policy expiration. It could save around 10% when you buy insurance online.
  • Anti-lock Brakes – Cars with ABS and/or traction control can avoid accidents and the ABS can save up to 10%.
  • Savings for New Vehicles – Buying a new car model can save you some money because new model year vehicles are generally safer.
  • Bundled Policy Discount – If you can combine your home and auto policy with the same insurance company you could save at least 10 to 15 percent or more.

A quick disclaimer, most credits do not apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

To choose providers who offer discounts, click here to view.

Do I just need basic coverages?

When buying coverage, there really is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Is there coverage for injuries to my pets?
  • What can I do if my company denied a claim?
  • Do all my vehicles need collision coverage?
  • Why am I required to buy high-risk coverage?
  • When should my teen driver be added to my policy?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage specifics

Knowing the specifics of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage

Collision coverage covers damage to your Windstar Cargo resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, falling objects, hitting a deer and vandalism. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Windstar Cargo.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills such as hospital visits, ambulance fees and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

This coverage will cover damage that occurs to people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like court costs, structural damage and emergency aid. How much coverage you buy is up to you, but consider buying higher limits if possible.

And the best car insurance company is…

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. Too many times, someone dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.

Drivers leave their current company for a variety of reasons including policy non-renewal, extreme rates for teen drivers, being labeled a high risk driver or even lack of trust in their agent. It doesn’t matter what your reason, finding a great new company can be easy and end up saving you some money.

The cheapest 2003 Ford Windstar Cargo insurance can be purchased both online as well as from independent agents, so you need to quote insurance with both to get a complete price analysis. A few companies may not provide the ability to get a quote online and these small insurance companies prefer to sell through independent agencies.

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