9 Discounts Nevada Consumers Overlook when Insurance Shopping Online for a Ford Windstar

Have you had enough of not being able to afford to buy car insurance? You’re in the same situation as many other Nevada consumers.

Big companies like Allstate and Progressive all claim big savings with ad campaigns and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

If you currently have car insurance, you will be able to save some money using these tips. Choosing the best insurance company for you is not that difficult. Nevertheless, Nevada car owners do need to know the way companies sell insurance online and take advantage of how the system works.

Don’t miss out on these nine money-saving discounts

Companies don’t necessarily list all their discounts very well, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

  • Safe Driver Discount – Safe drivers may save up to 50% more on Windstar insurance than less cautious drivers.
  • Own a Home – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Save over 55 – Older drivers can possibly qualify for a small decrease in premiums on Windstar insurance.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
  • No Claims – Good drivers with no accidents pay much less when compared to frequent claim filers.

Keep in mind that some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky.

To see a list of insurance companies with discount auto insurance rates in Nevada, follow this link.

Vehicle Insurance Comparison

There are several ways to compare rate quotes from auto insurance companies in your area. One of the best ways to find the lowest Ford Windstar rates is simply to get online rate quotes. This can be done in several different ways.

  1. The recommended way consumers can analyze rates is a comparison rater form (click to open form in new window). This form prevents you from having to do separate quotation requests for every auto insurance company. Completing one form gets you price quotes from several companies.
  2. A more difficult way to compare prices requires a trip to each individual company website to request a price quote. For example, let’s say you want rates from USAA, Farmers and American Family. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The least recommended way of comparing rate quotes is to drive around to and from local insurance agencies. The internet eliminates the need for an insurance agent unless you prefer the trained guidance of a licensed agent. Drivers can price shop your coverage online but still have the advice of a local agent and we’ll touch on that later.

It doesn’t matter which method you choose, just make sure you use the exact same coverages for every quote you compare. If each company quotes mixed coverages you can’t possibly determine the best price for your Ford Windstar. Slightly different insurance coverages can result in a big premium difference. And when price shopping your coverage, comparing a large number of companies will increase your chances of finding the best offered rates.Auto insurance in Nevada

Coverages available on your auto insurance policy

Having a good grasp of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on most auto insurance policies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like pain medications, EMT expenses, surgery and dental work. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage covers damage to your Windstar resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Auto liability

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as pain and suffering, funeral expenses and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Nevada state law requires minimum liability limits of 15,000/30,000/10,000 but it’s recommended drivers buy better liability coverage.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, damage from getting keyed and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Ford Windstar insurance cheap

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Windstar.

Since many Nevada drivers carry very low liability coverage limits (Nevada limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

The best insurance company isn’t always the cheapest

When trying to cut insurance costs, never reduce needed coverages to save money. In many cases, an insured dropped liability limits or collision coverage only to regret they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

The cheapest Ford Windstar insurance can be found online as well as from independent agents in Nevada, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers don’t offer online quoting and these small, regional companies work with independent agents.