Insure Your Ford Aerostar For Less Than You Are Paying Now
If we enjoyed shopping for car insurance, we'd do it more often. But more than likely, it's challenging for most people and we always end up paying more than we want. Insuring your Ford Aerostar is probably no exception.
Step One: Get Insurance Quotes
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. Times have changed!
You can compare insurance rates for a Ford Aerostar simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Ford Aerostar.
Quote Tip! In order to accurately compare rates for your Aerostar, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: How to Cut Costs on Aerostar Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Aerostar insurance rates.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Being a senior citizen can qualify you for a small discount on your insurance rates. Older drivers are generally more cautious so they get a lower rate.
- Youthful or teen drivers that are rated on any vehicle will cost more. The inexperience and tendancy to enjoy going fast is a recipe for an accident.
- Claims that aren't much more than your deductible are better off just being paid out of pocket. If you get into a habit of filing smaller claims, you will pay for it in higher rates.
- How is your credit rating? The better credit you have, the less insurance will cost for your Aerostar. If you have bad credit, work on improving your credit score and repair past credit problems.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
- Most Ford vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- Insurance companies pay attention to which vehicles are stolen the most, so if your car is frequently targeted by thieves, chances are good you will pay more for insurance if you live in certain parts of the country.
Step Three: Choose a Company and Bind Coverage
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
If this is a new policy with only the Ford on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new Aerostar.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
To do more research on car insurance, visit the Insurance Information Institute website.
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