1999 Ford Windstar Insurance Cost – 5 Tips for Best Prices

Shoppers have many options when shopping for affordable Ford Windstar insurance. They can either waste time contacting agents getting price quotes or utilize the internet to get rate quotes. There is a better way to buy auto insurance and we’ll show you the quickest way to quote coverages for a Ford and obtain the best price possible from local insurance agents and online providers.

Vehicle Insurance Comparison

There are multiple methods you can shop for 1999 Ford Windstar auto insurance but some are easier and takes less work. You could waste time talking to local insurance agents in your area, or you could use the internet to get the quickest rates.

Many insurance companies belong to a marketplace where insurance shoppers enter their coverage request one time, and each participating company returns a rated price based on that information. This system prevents you from having to do repetitive form submissions for each company.

To access this free quoting program, click here to start a free quote.

The one downside to pricing coverage this way is buyers cannot specifically choose the companies you want pricing from. So if you want to select individual companies to compare, we have a page of auto insurance companies in your area. Click to view list.

Which method you use is up to you, but be sure to compare identical coverages and limits for every company. If each company quotes different liability limits you can’t possibly decipher which rate is best.

Discounts on Ford Windstar insurance

Auto insurance companies do not list all their discounts in an easy-to-find place, so we took the time to find both well-publicized as well as the least known discounts you could be receiving. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Discount for Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
  • Accident Free – Drivers who don’t have accidents pay less compared to drivers who are more careless.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, companies don’t profit that way.

For a list of insurers who offer car insurance discounts, click this link.

Tailor your coverage to you

When choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether or not you may require specific advice.

  • Do I have newly-aquired coverage?
  • If my 1999 Ford Windstar is totaled, can I afford another vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • I have a DUI can I still get coverage?
  • Is there coverage for injuries to my pets?
  • What discounts do I qualify for?
  • Am I covered when driving in Canada or Mexico?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage options for a 1999 Ford Windstar

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Ford Windstar.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as loss of income, structural damage, medical expenses, repair costs for stationary objects and funeral expenses. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, theft and hitting a bird. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Windstar 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 coverage pays for things such as driving through your garage door, sustaining damage from a pot hole, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as rehabilitation expenses, nursing services and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

A fool and his money are soon parted

When buying insurance coverage, do not reduce coverage to reduce premium. There are a lot of situations where someone sacrificed liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible for the lowest price, not the least amount of coverage.

You just learned a lot of information how to shop for 1999 Ford Windstar insurance online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with some of the smallest insurance companies.

Consumers switch companies for a variety of reasons including policy cancellation, extreme rates for teen drivers, delays in responding to claim requests and even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company can be easy and end up saving you some money.

More detailed car insurance information is available by following these links: