Save on 2003 Ford Windstar Insurance Rates

Trying to find low-cost insurance for a new or used Ford Windstar can normally be a lot of work, but you can use these tips and make it easy. There is a better way to find car insurance online and you need to know the quickest way to compare rates for a Ford and locate the lowest price from local insurance agents and online providers.

Comprehensive Insurance Coverage Comparison

Effectively comparing insurance coverage prices can be exhausting if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use online quoting to get the quickest rates.

Many insurance companies take part in a program where prospective buyers enter their policy data once, and at least one company can provide price quotes based on the submitted data. This prevents consumers from doing quotation requests to each company. To participate in this free quote system, click here (opens in new window).

One minor caviat to using this type of form is you cannot specify the providers you want pricing from. If you would rather choose individual companies to receive pricing from, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

Whichever way you use, make absolute certain that you use identical quote information for each comparison quote. If each company quotes mixed coverages it will be next to impossible to determine the best price for your Ford Windstar.

What coverages do I need?

When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that might help in determining if your situation might need professional guidance.

• Do I need replacement cost coverage on my 2003 Ford Windstar?
• Does coverage extend to a rental car in a foreign country?
• Are my friends covered when driving my 2003 Ford Windstar?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered when driving in Canada or Mexico?
• When would I need rental car insurance?
• What is covered by UM/UIM coverage?
• What companies insure drivers after a DUI or DWI?
• Does my insurance cover my expensive audio equipment?
• Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Specific coverage details

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision – Collision insurance pays for damage to your Windstar resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like X-ray expenses, chiropractic care, prosthetic devices and funeral costs. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance – Liability coverage protects you from damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others, and 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 policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like emergency aid, medical services, bail bonds and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, falling objects, damage from flooding and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Windstar.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.