1993 Ford Aerostar Car Insurance Rates – 7 Policy Discounts

Trying to find lower car insurance rates for your Ford Aerostar? Searching for low-cost insurance for a Ford Aerostar could be difficult, but you can follow the following methods to find lower rates.

There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the best way to compare rates on a Ford and get the best price possible.

Do you qualify for these seven discounts?

Insurance can cost an arm and a leg, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before you will receive the discount. If you aren’t receiving every discount available, you are throwing money away.

  • 55 and Retired – Mature drivers may be able to get a discount up to 10% on Aerostar coverage.
  • Drive Less and Save – Keeping the miles down on your Ford could qualify for discounted rates on garaged vehicles.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Aerostar coverage than their less cautious counterparts.
  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiring. It can save you around 10%.
  • Resident Student – Kids in college living away from home attending college and do not have a car may be able to be covered for less.
  • Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.

Consumers should know that most credits do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, insurance companies aren’t that generous. Any qualifying discounts will reduce your premiums.

A partial list of companies that may offer some of the above discounts may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Some discounts may not apply in every state.

Finding Insurance Coverage

Finding a better price on insurance coverage is surprisingly easy. Drivers just need to invest a little time to get quotes online with multiple companies. This can be accomplished using a couple different methods.

  • The most efficient way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do repetitive form submissions for each company you want a rate for. Filling out one form will return quotes from many national carriers. Recommended for those who want to invest the least amount of time.
  • Another way to get quotes online is to manually visit the website for each individual company and request a quote. For example, let’s say you want rates from Allstate, Farmers and American Family. To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is quicker. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same information for each comparison quote. If you are comparing different limits and deductibles on each one you will not be able to decipher which rate is best.

Don’t assume everyone needs the same coverage

When it comes to buying the best car insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

  • Am I getting all the discounts available?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my dog or cat covered if injured in an accident?
  • What is the difference between comprehensive and collision coverage?
  • What if I owe more than I can insure my car for?
  • Is my ex-spouse still covered by my policy?
  • Do I have coverage if my license is suspended?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Specifics of your auto insurance policy

Understanding the coverages of auto insurance helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision – This coverage will pay to fix damage to your Aerostar resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like funeral costs, nursing services and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Aerostar.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverages – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, vandalism and theft. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages – Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, emergency aid and loss of income. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Summing up your auto insurance search

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced full coverage only to find out they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Low-cost 1993 Ford Aerostar insurance is attainable on the web as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

We just covered quite a bit of information on how to compare insurance prices online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from the smaller companies.

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