1996 Ford Windstar Cargo Car Insurance Quotes – 8 Tricks for Cheaper Rates

Searching for cheaper auto insurance rates for your Ford Windstar Cargo? Nobody I know cherishes buying auto insurance, especially when they are paying too much.

Since consumers have many insurance providers from which to choose, it can be impossible to locate the most cost effective provider.

Finding the best rates is not that difficult. If you are paying for car insurance now, you should be able to save some money using this strategy. Although drivers can benefit by having an understanding of the way insurance companies compete online and take advantage of how the system works.

Discounts can save BIG

Companies offering auto insurance don’t list every available discount very well, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving.

  • Driver Safety – Taking part in a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on Windstar Cargo insurance with select insurance companies.
  • Sign Online – A handful of insurance companies will give a small break simply for signing digitally online.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

Companies that may have these benefits are:

Double check with all companies you are considering how you can save money. Discounts might not apply in every state.

Will just any policy work for me?

When buying proper insurance coverage, there really is no best way to insure your cars. Each situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • Is my teen driver covered when they drive my company car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need motorclub coverage?
  • Why do I need rental car insurance?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered when delivering products for my home-based business?
  • What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverage basics

Having a good grasp of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average car insurance policy.

Comprehensive car insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, damage from flooding, theft and a tree branch falling on your vehicle. The most a car 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.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses like ambulance fees, nursing services, doctor visits and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your Windstar Cargo from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, hitting a parking meter, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability coverages

Liability coverage protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like funeral expenses, pain and suffering, emergency aid, legal defense fees and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Windstar Cargo.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Saving money makes a lot of cents

Lower-priced 1996 Ford Windstar Cargo insurance is available from both online companies and with local insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

You just learned many ideas to reduce insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the best prices are with some of the smallest insurance companies. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

More detailed insurance information is located in the articles below: