Compare 2003 Ford Windstar Insurance Quotes

Want better auto insurance rates for your Ford Windstar? Being forced to pay for high-priced auto insurance premiums can empty your accounts and force you to tighten up your finances. Price shopping at each renewal can help to slash your bill and have more diposable income.

Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with fancy advertisements and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

It’s important to do rate comparisons before your policy renews because insurance rates are usually higher with each renewal. Just because you had the lowest rate for Windstar coverage a few years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in one of the best ways to lower your annual insurance bill.

Do you qualify for discounts?

Insurance is not cheap nor is it fun to buy but there may be some discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but once in a while a discount must be inquired about before you get the savings.

  • No Claims – Insureds who avoid accidents and claims can save substantially in comparison with drivers with a long claim history.
  • Memberships – Participating in a civic or occupational organization is a good way to get lower rates on your policy.
  • Multi-car Discount – Buying coverage for several vehicles with the same company may reduce the rate for each vehicle.
  • Savings for New Vehicles – Buying a new car instead of a used car can cost up to 25% less compared to insuring an older model.
  • Waiver for an Accident – but a handful of insurance companies will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
  • Discount for Life Insurance – Some companies give a small discount if you purchase life insurance from them.
  • Discount for Good Grades – Maintaining excellent grades may save you up to 25%. You can use this discount normally up until you turn 25.
  • Government Employees – Federal government employees could provide a small rate reduction for Windstar coverage with a few insurance companies.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to use their safety belts could save 15% on medical payment and PIP coverage.

Please keep in mind that many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, that’s just not realistic.

A few popular companies and their possible discounts are included below.

  • Geico offers premium reductions for anti-lock brakes, good student, federal employee, emergency military deployment, multi-vehicle, and daytime running lights.
  • Mercury Insurance policyholders can earn discounts including good driver, professional/association, low natural disaster claims, ease of repair, age of vehicle, multi-policy, and multi-car.
  • Farmers Insurance may include discounts for mature driver, alternative fuel, pay in full, electronic funds transfer, homeowner, distant student, and multi-car.
  • Auto-Owners Insurance offers discounts for company car, multiple vehicles, safe vehicle, good student, safe driver, anti-lock brakes, and group or association.
  • Liberty Mutual may have discounts that include multi-policy, preferred payment discount, teen driver discount, safety features, exclusive group savings, and newly married.
  • SAFECO has discounts for teen safety rewards, homeowner, drive less, accident prevention training, safe driver, bundle discounts, and multi-car.
  • Progressive offers discounts including good student, multi-policy, homeowner, multi-vehicle, online quote discount, continuous coverage, and online signing.
  • USAA has savings for military installation, annual mileage, loyalty savings, defensive driver, family discount, and driver training.

When quoting, ask every company which discounts can lower your rates. A few discounts may not be offered everywhere. To locate insurance companies who offer discounts, follow this link.

Don’t assume everyone needs the same insurance coverage

When it comes to buying the best insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.

  • How much liability insurance is required?
  • What can I do if my company denied a claim?
  • Should I sign the liability waiver when renting a car?
  • Is my teen driver covered when they drive my company car?
  • Why do I need rental car insurance?
  • Is my dog or cat covered if injured in an accident?
  • Does my car insurance cover rental cars?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to 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.

Specifics of your auto insurance policy

Learning about specific coverages of auto insurance helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for hospital visits, X-ray expenses and surgery. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Ford Windstar.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision insurance

Collision coverage covers damage to your Windstar resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, hitting a parking meter, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability auto insurance

This coverage will cover damage that occurs to people or other property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as structural damage, court costs, legal defense fees and medical services. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, vandalism, hail damage, fire damage and hitting a deer. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Make a quick buck

You just read a lot of techniques to save on 2003 Ford Windstar insurance. The key concept to understand is the more you quote insurance coverage, the better likelihood of getting cheap insurance coverage. You may even find the best premium rates are with a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. There have been many cases where drivers have reduced liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your focus should be to purchase plenty of coverage at the best cost while not skimping on critical coverages.

More detailed auto insurance information can be found at these sites: