1994 Ford Aerostar Insurance Quotes

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you many consumers feel financially strained by their car insurance policy.

Big companies like State Farm, Progressive and GEICO continually bombard you with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. Finding the best rates is not rocket science. Nevertheless, drivers need to have an understanding of how companies price online insurance because it can help you find the best coverage.

The fastest way that we advise to get policy rate comparisons is to realize most larger insurance companies pay for the opportunity to compare their rates. The one thing you need to do is give them some information including any included safety features, if you lease or own, your general credit rating, and your occupation. Your details gets sent immediately to insurance carriers in your area and they return cost estimate within a short period of time.

To get price quotes for your 1994 Ford Aerostar, click here and enter the information requested.

Take advantage of discounts

Companies that sell car insurance don’t always publicize all available discounts in a way that’s easy to find, so we researched some of the more common and also the lesser-known discounts you could be receiving.

  • Auto/Home Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last until age 25.
  • Early Switch Discount – A few companies offer discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • No Accidents – Good drivers with no accidents pay less when compared to bad drivers.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Defensive Driving Course – Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • E-sign – A few companies give back up to $50 for buying your policy over the internet.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

A partial list of companies that may have these discounts are:

Before buying, ask each insurance company which discounts you may be entitled to. Savings might not be offered in your state.

Elements that influence Ford Aerostar insurance rates

It’s important that you understand some of the elements that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what impacts premium levels enables informed choices that could result in big savings.

The list below includes a few of the “ingredients” insurance coverage companies consider when setting premiums.

  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Safer cars cost less to insure – Vehicles with high crash test scores can get you lower premiums. These vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Ford earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Discounts for married couples – Having a wife or husband can get you a discount on insurance coverage. Having a spouse translates into being more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Adjust deductibles and save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Ford from damage. Examples of covered claims would be running into the backend of another car, damage from fire, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay out-of-pocket before your insurance coverage pays a claim. The higher the amount you’re willing to pay, the bigger discount you will receive for Aerostar coverage.
  • Younger drivers pay higher rates – Teenage drivers are known to get distracted easily in a vehicle so insurance coverage rates are higher. Mature drivers are more responsible, statistically cause fewer accidents and get fewer tickets.
  • Do you have enough liability coverage? – The liability section of your policy is the coverage that protects you in the event that you are found liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • No coverage gaps is important – Driving without insurance is illegal and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, getting caught without coverage might get you a hefty fine and possibly a revoked license.You may need to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

How to know if you need help

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Each situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation may require specific advice.

  • What exactly is covered by my policy?
  • Which companies will insure high-risk drivers?
  • Why is insurance for a teen driver so high?
  • Should I have combined single limit or split liability limits?
  • Does my policy pay for OEM or aftermarket parts?
  • How high should deductibles be on a 1994 Ford Aerostar?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I benefit by insuring my home with the same company?
  • Can my teen drive my company car?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Coverages available on your policy

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages available from car insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, vandalism and rock chips in glass. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance will pay to fix damage to your Aerostar resulting from a collision 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 coverage pays for things such as scraping a guard rail, driving through your garage door, rolling your car, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Aerostar.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses like chiropractic care, doctor visits and EMT expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like medical services, pain and suffering, loss of income, structural damage and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

A penny saved is a penny earned

Low-cost 1994 Ford Aerostar insurance is possible online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

You just read many ideas to save on insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

More detailed car insurance information can be read by following these links: