Cheap 1997 Ford Aerostar Insurance Quotes

Shoppers have many options when shopping for the best price on Ford Aerostar insurance. They can either waste time contacting agents to get rate comparisons or utilize the internet to make rate comparisons. There is a better way to shop for insurance coverage and we’ll show you the quickest way to quote coverages for a new or used Ford and obtain the best price possible from local insurance agents and online providers.

It’s smart to shop coverage around once or twice a year since rates change regularly. Even if you got the best deal on Aerostar insurance two years ago a different company probably has better rates today. You can find a lot of wrong information about insurance coverage on the web, but I’m going to show you some good information on how to buy insurance coverage cheaper.

Fast and Easy Insurance Quotes

Finding cheaper 1997 Ford Aerostar insurance prices can be surprisingly simple. Consumers just need to invest a little time to get quotes from different insurance companies. This can be accomplished in several different ways.

Probably the best way consumers can analyze rates is a comparison rater form click to view form in new window. This type of form saves time by eliminating boring form submissions for each company. Completing one form will get you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to find lower rates requires a visit to each individual company website to complete their respective quote request forms. For instance, we’ll pretend you want to compare Liberty Mutual, Farmers and GEICO. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The least recommended method of getting rate comparisons is driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you require the professional advice of a local agent. You can, however, comparison shop your insurance online but still have the advice of a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but ensure you’re using exactly the same coverage information with each company. If the quotes have different deductibles you can’t possibly make a fair comparison for your Ford Aerostar.

Cut your premium with discounts

Companies offering auto insurance don’t necessarily list all their discounts very well, so we break down both well-publicized and the more hidden ways to save on car insurance. If you don’t get every credit you deserve, you are paying more than you should be.

  • Homeowners Savings – Owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Low Mileage – Keeping the miles down on your Ford can earn better rates on cars that stay parked.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

To see a list of insurance companies who offer car insurance discounts, follow this link.

Factors that might impact rates for a Ford Aerostar

An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in lower car insurance prices.

Listed below are some of the items used by your company to calculate premiums.

  • Traffic violations increase rates – Your driving citation history has a big impact on rates. Just one moving violation may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous citations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Where you live – Living in a small town can be a good thing when buying car insurance. Less people living in that area means reduced accidents and a lower car theft rate. Urban drivers tend to have much more traffic to deal with and much longer commute distances. Longer commute distances can result in more accidents.
  • Your car insurance rates can be influenced by your job – Jobs such as doctors, business owners and financial analysts tend to pay higher average rates attributed to job stress and lots of time spent at work. Conversely, professions such as farmers, engineers and the unemployed have the lowest average rates on Aerostar insurance.
  • Optional equipment can affect rates – Driving a car with a theft deterrent system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Frequent car insurance claims increase rates – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies provide cheaper rates to insureds who are claim-free. Car insurance is meant to be used in the event of the large, substantial claims.
  • Marriage brings a discount – Having a wife or husband can get you a discount on your car insurance policy. It translates into being more mature than a single person and it’s proven that drivers who are married are more cautious.
  • With age comes lower rates – Older drivers are viewed as being more responsible, file fewer claims and are safer drivers. Teenage drivers have a tendency to be more careless behind the wheel and because of this, their car insurance rates are much higher.

What is the best insurance coverage?

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if your situation could use an agent’s help.

  • Should I buy more coverage than the required minimum liability coverage?
  • Should I have a commercial auto policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When do I need to add a new car to my policy?
  • Can I afford to buy a different vehicle if my 1997 Ford Aerostar is totaled?
  • Should I bundle my homeowners policy with my auto?
  • Why am I required to buy high-risk coverage?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Slick advertising tricks that work

Consumers can’t get away from ads that promise big savings from the likes of State Farm, Allstate and GEICO. All the ads make the same claim of big savings if you switch your coverage to them.

But how can every company make the same claim? It’s all in the numbers.

Different companies are able to cherry pick for the driver that earns them a profit. For example, a preferred risk could possibly be between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. Any new insured who fits that profile receives the best rates and as a result will probably save a lot of money.

Potential insureds who fall outside the requirements must pay more money and this can result in the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently make the claims of big savings. This illustrates why it is so important to compare many company’s rates. You cannot predict which insurance coverage company will provide you with the cheapest Ford Aerostar insurance rates.

Car insurance coverages for a 1997 Ford Aerostar

Learning about specific coverages of auto insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverage – This covers damage to your Aerostar resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, driving through your garage door, crashing into a building, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage kick in for bills such as prosthetic devices, pain medications, dental work, X-ray expenses and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance – This coverage can cover damage that occurs to people or other property. It protects you against claims from other people. 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. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things like attorney fees, structural damage and funeral expenses. 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 (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like falling objects, theft and damage from flooding. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1997 Ford Aerostar.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Feed the piggy bank

Lower-priced 1997 Ford Aerostar insurance can be purchased online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

People leave their current company for a number of reasons such as denial of a claim, policy non-renewal, lack of trust in their agent and not issuing a premium refund. It doesn’t matter what your reason, finding a great new company can be less work than you think.

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice liability limits or collision coverage to discover at claim time that they should have had better coverage. The ultimate goal is to get the best coverage possible for the lowest price while still protecting your assets.

More detailed auto insurance information is available at these sites: