How Much Does 2003 Ford Windstar Insurance Cost?

Searching for better auto insurance rates for your Ford Windstar? Paying for high-priced Ford Windstar insurance can dwindle your personal savings and put a big crunch on your finances. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket. Companies like Progressive, State Farm and Geico continually hit you with fancy advertisements and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

Consumers should take time to check auto insurance prices periodically because insurance rates are constantly changing. Despite the fact that you may have had the best deal on Windstar insurance on your last policy other companies may now be cheaper. So forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the right way to reduce your cost while increasing coverage.

If you have insurance now or are shopping for new coverage, you will benefit by learning to cut your premiums while maintaining coverages. Finding the best rates is quite easy. Drivers only need an understanding of the most effective way to shop their coverage around online.

Ford Windstar insurance rates have many determining factors

Consumers need to have an understanding of some of the elements that help determine the price you pay for insurance coverage. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to big savings.

  • Younger drivers pay higher rates – Older drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers are known to get distracted easily behind the wheel therefore insurance coverage rates are much higher.
  • Lower rates with optional equipment – Purchasing a vehicle with an alarm system can get you a discount on your insurance coverage. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Liability coverage is peace of mind – Liability insurance will protect you in the event that a court rules you are at fault for personal injury or accident damage. It will provide for a legal defense starting from day one. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Do men or women drive better? – Statistics show women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. Men and women tend to get into accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as DWI and reckless driving.

Don’t miss out on these money-saving discounts

The price of auto insurance can be rather high, but there could be available discounts that you may not know about. Some trigger automatically when you get a quote, but some may not be applied and must be specifically requested before you get the savings. If you don’t get every credit you deserve, you are paying more than you should be.

  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on Windstar insurance with select insurance companies.
  • Sign Online – Some insurance companies will give a small break for buying a policy and signing up over the internet.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Windstar insurance than their less cautious counterparts.
  • Low Mileage – Fewer annual miles on your Ford could qualify for discounted rates on garaged vehicles.

It’s important to understand that some of the credits will not apply to the entire cost. Most cut individual premiums such as medical payments or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will bring down your premiums.

Companies that may offer these discounts are:

Check with all companies you are considering which discounts they offer. All car insurance discounts might not apply in your area.

Buyer beware of insurance advertising tricks

Consumers constantly see and hear ads for car insurance savings by companies like State Farm, Geico and Progressive. They all seem to say the same thing that you’ll save big after switching to them.

How do they all claim to save you money? This is how they do it.

Insurance companies have a certain “appetite” for the right customer they prefer to insure. A good example of a driver they prefer might be between 25 and 40, owns a home, and chooses high deductibles. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and most likely will save a lot of money.

Consumers who fall outside the “perfect” profile will be quoted higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save that much money. That is how insurance companies can state the savings.

This emphasizes why you should quote coverage with many companies. It’s just too difficult to predict which insurance company will fit your personal profile best.

Do I need special coverages?

When buying coverage, there really is not a cookie cutter policy. Each situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine whether you will benefit from professional help.

  • Where can I find high-risk insurance?
  • How do I insure my teen driver?
  • Why do I need rental car insurance?
  • Does insurance cover damages from a DUI accident?
  • What can I do if my company denied a claim?
  • Do I need higher collision deductibles?
  • Am I covered if I wreck a rental car?
  • Is extra glass coverage worth it?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages

Knowing the specifics of auto insurance can help you determine the best coverages for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, damage from flooding, falling objects and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

Liability insurance will cover damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

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. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like attorney fees, legal defense fees, structural damage and bail bonds. How much liability should you purchase? That is your choice, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Windstar.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as hospital visits, rehabilitation expenses, surgery, nursing services and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage

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

Collision coverage pays for claims such as backing into a parked car, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Don’t be a big spender

We’ve covered many ways to lower your 2003 Ford Windstar insurance rates. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with a smaller regional carrier. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where an insured cut full coverage and learned later they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.

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