2002 Ford Windstar Cargo Insurance Rates – 7 Policy Discounts

Nobody cherishes buying auto insurance, especially when they are paying too much. With consumers having so many auto insurance companies to choose from, it can be hard to find the lowest cost provider.

It’s a good habit to check auto insurance prices periodically because insurance rates tend to go up over time. Just because you had the best price for Windstar Cargo insurance a year ago you can probably find a better price now. Block out anything you think you know about auto insurance because you’re about to find out the things you must know in order to lower your rates without sacrificing coverage.

Don’t overlook these seven discounts

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. Some discounts apply automatically at quote time, but a few must be requested specifically before they will apply. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save approximately 10% to 15%.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Windstar Cargo insurance than drivers with accident claims.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Senior Discount – Mature drivers can possibly qualify for a small decrease in premiums for Windstar Cargo insurance.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.

It’s important to note that most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous. Any amount of discount will bring down the cost of coverage.

Companies that may offer these benefits include:

Before buying, ask each company how you can save money. Discounts might not apply everywhere.

Switch companies and save? Really?

Consumers constantly see and hear ads that promise big savings from the likes of Allstate, GEICO and Progressive. They all make an identical promise of big savings if you change your coverage to them.

But how can every company make almost identical claims?

Insurance companies have a certain “appetite” for the type of driver that earns them a profit. For example, a preferred risk could be over the age of 50, is a homeowner, and has excellent credit. A propective insured that hits that “sweet spot” receives the best rates and as a result will probably cut their rates substantially.

Drivers who are not a match for these standards must pay higher rates and ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save money. That’s the way insurance companies can advertise the savings.

This illustrates why you need to get as many quotes as possible. It’s impossible to know which company will have the lowest Ford Windstar Cargo insurance rates.

Is my situation unique?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different so this has to be addressed. For example, these questions can help discover if your insurance needs could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • Is my Ford Windstar Cargo covered if I use it for business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How do I insure my teen driver?
  • Does car insurance cover theft of personal property?
  • Should I waive the damage coverage when renting a car?
  • Are my friends covered when driving my 2002 Ford Windstar Cargo?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Detailed coverages of your car insurance policy

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from car insurance companies.

Uninsured and underinsured coverage – This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Windstar Cargo.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these limits do not exceed the liability coverage limits.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, damage from flooding, a broken windshield and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance – Liability insurance protects you from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like medical expenses, legal defense fees, structural damage, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Collision – Collision coverage will pay to fix damage to your Windstar Cargo caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, colliding with a tree, backing into a parked car, hitting a mailbox and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like EMT expenses, chiropractic care, funeral costs and dental work. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Summing up your auto insurance search

We’ve covered many ways to reduce 2002 Ford Windstar Cargo insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small mutual company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Cheap insurance is possible from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

Even more information can be found in the articles below: