2000 Ford Windstar Insurance Quotes

Want cheaper auto insurance rates for your Ford Windstar? People not familiar with price shopping insurance online might discover finding the cheapest auto insurance is not as easy as it seems.

Be sure to get all your discounts

Auto insurance companies do not advertise every available discount very clearly, so the following is a list of some of the best known and also the lesser-known ways to save on auto insurance.

  • Clubs and Organizations – Affiliation with a qualifying organization may earn a discount when shopping for auto insurance for Windstar coverage.
  • Drive Less and Save – Fewer annual miles on your Ford could qualify for lower rates on the low mileage vehicles.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • No Accidents – Drivers with accident-free driving histories can save substantially as compared to bad drivers.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

A partial list of companies that may offer these discounts include:

Before buying, ask every prospective company which discounts they offer. Discounts might not apply everywhere.

The quickest method we recommend to compare rates is to know the fact almost all companies allow for online access to compare rate quotes. All you need to do is give the companies some data such as whether the vehicles are used for commuting, coverage limits, your job, and an estimate of your credit level. Your details is automatically sent to insurance carriers in your area and they return rate quotes quickly.

To compare multiple company rates now, click here and find out if lower rates are available.

Why you might be paying too much to insure your Ford Windstar

Smart consumers have a good feel for the different types of things that go into determining your insurance coverage rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. Safe vehicles reduce injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Ford has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • High deductibles save money – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Ford from damage. A few examples of covered claims are running into the backend of another car, damage from fire, and burglary. Your deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The higher the amount you have to pay, the less your company will charge you for insurance for Windstar coverage.
  • Claim-free discounts can add up – Companies provide cheaper rates to drivers who file claims infrequently. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance is designed for the large, substantial claims.
  • Do you need the policy add-ons? – There are a lot of extra coverages that you can get tricked into buying when buying insurance coverage. Things like vanishing deductibles, accidental death and motor club memberships are examples of these. These may sound like a good investment initially, but if you don’t need them remove them from your policy.

How do I know if I need professional advice?

When choosing coverage, there is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether your personal situation would benefit from an agent’s advice.

  • Do all my vehicles need collision coverage?
  • Am I covered when using my vehicle for business?
  • Do I need roadside assistance coverage?
  • Am I covered if I break a side mirror?
  • Is my dog or cat covered if injured in an accident?
  • Is my nanny covered when driving my vehicle?
  • How high should deductibles be on a 2000 Ford Windstar?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance ads bend the truth

Companies like Geico, State Farm and Progressive constantly bombard you with ads on television and other media. All the ads say the same thing of big savings if you switch to their company. How does each company make the same claim? This is how they do it.

Different companies can use profiling for the driver that makes them money. An example of a desirable insured might be between the ages of 40 and 55, insures multiple vehicles, and drives newer vehicles. A driver that hits that “sweet spot” will qualify for the lowest rates and most likely will save a lot of money.

Drivers who don’t meet this ideal profile will have to pay a higher premium and ends up with business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can advertise the savings. Because of the profiling, you should compare many company’s rates. It’s impossible to know which auto insurance company will fit your personal profile best.

Insurance policy coverages for a 2000 Ford Windstar

Knowing the specifics of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, bail bonds and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage pays for 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 coverage protects against claims like damage from getting keyed, damage from flooding and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Windstar.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision insurance

This will pay to fix damage to your Windstar caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, backing into a parked car, hitting a parking meter, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like rehabilitation expenses, hospital visits, ambulance fees, chiropractic care and doctor visits. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

More quotes mean more savings

Discount 2000 Ford Windstar insurance can be sourced both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

When trying to cut insurance costs, do not buy less coverage just to save a little money. In too many instances, someone dropped comprehensive coverage or liability limits and learned later that it was a big error on their part. Your goal should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Insureds change insurance companies for any number of reasons including not issuing a premium refund, denial of a claim, lack of trust in their agent and questionable increases in premium. Regardless of your reason, finding a great new company is not as hard as you think.

More tips and info about insurance coverage can be found in these articles: