Cheap Ford Windstar Passenger Car Insurance in 2024 (10 Most Affordable Companies)
Progressive, Erie, and Mercury offer the best cheap Ford Windstar Passenger car insurance, with rates starting at $45 per month. These providers excel in affordability, comprehensive coverage options, and customer service, making them top choices for insuring your Ford Windstar Passenger.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Sep 12, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Min. Coverage for Ford Windstar Passenger
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
1,814 reviewsCompany Facts
Min. Coverage for Ford Windstar Passenger
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
667 reviewsCompany Facts
Min. Coverage for Ford Windstar Passenger
A.M. Best Rating
Complaint Level
Pros & Cons
667 reviewsThe top picks overall for cheap Ford Windstar Passenger car insurance are Progressive, Erie, and Mercury, known for their competitive rates and comprehensive coverage.
This will provide a detailed comparison of insurance providers to help you find the most affordable and effective options for your Ford Windstar Passenger.
Our Top 10 Company Picks: Cheap Ford Windstar Passenger Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $45 | A+ | Competitive Rates | Progressive |
 | #2 | $46 | A+ | Consistent Pricing | Erie |
 | #3 | $47 | A | Local Agents | Mercury |
 | #4 | $48 | A+ | Financial Stability | Nationwide |
 | #5 | $49 | A++ | Comprehensive Plans | Travelers |
 | #6 | $50 | B | Customer Discounts | State Farm |
 | #7 | $51 | A | Loyal Rewards | American Family |
 | #8 | $52 | A | Customizable Policies | Farmers |
 | #9 | $55 | A+ | Extensive Coverage | Allstate |
 | #10 | $60 | A | Flexible Payments | The General |
We explore various factors that influence insurance rates, including driving record, vehicle condition, and location. Our goal is to assist you in making informed decisions that lead to significant savings on your insurance premiums.
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- Progressive tops with rates starting at $45/mo for Ford Windstar
- Unlock discounts for Ford Windstar Passenger car insurance
- Tailor your coverage for affordable Ford Windstar insurance
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#1 – Progressive: Top Overall Pick
Pros
- Wide Coverage Options: Progressive offers a range of coverage options which can be tailored to suit different needs, including specialized coverage for unique situations.
- Discounts and Savings: Known for competitive pricing strategies, including discounts for multiple policies, safe driving, and online policy management.
- Strong Online Presence: Read our Progressive insurance review & ratings to learn how Progressive’s robust online platform and mobile app enhance policy management and claims handling.
Cons
- Customer Service Variability: Some customers report variability in service quality, which can affect satisfaction during claims processes.
- Premium Fluctuations: There can be significant premium changes at renewal, which might be unpredictable for budget-conscious consumers.
#2 – Erie: Best for Rate Lock Feature
Pros
- Competitive Pricing: Erie is often recognized for its competitive pricing, especially for long-term customers who benefit from rate lock features.
- Personalized Customer Service: Discover why Erie is celebrated for its customer service in our Erie insurance review & ratings.
- Rate Lock Feature: Unique rate lock feature that ensures your insurance rates do not increase yearly, barring changes like adding drivers or vehicles.
Cons
- Limited Availability: Erie Insurance is not available in all states, limiting its accessibility for some customers.
- Fewer Digital Tools: Compared to competitors, Erie’s online and mobile resources are less comprehensive, which might be a drawback for tech-savvy customers.
#3 – Mercury: Best for Affordable Policies
Pros
- Affordable Premiums: Learn more about Erie’s competitive pricing in our Erie insurance review & ratings.
- Good Option for High-Risk Drivers: Provides coverage for drivers who may not be eligible for policies from other insurers due to their driving records.
- Customizable Payment Options: Offers a variety of payment plans to accommodate different budget needs.
Cons
- Customer Service Issues: Reports of less satisfactory customer service experiences can be a concern.
- Limited Extras: Fewer additional features and benefits compared to larger insurers.
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#4 – Nationwide: Best for Wide Range Insurance
Pros
- Wide Range of Products: Nationwide offers a comprehensive suite of insurance products which allows for bundling and discounts.
- Stable Financial Background: Known for strong financial stability, enhancing its reliability for claims processing.
- SmartRide Program: Check out the Nationwide insurance review & ratings to see how telematics-driven discounts reward safe driving behaviors.
Cons
- Higher Rates: Can be more expensive than some competitors, especially for customers without bundled policies.
- Inconsistent Agent Experience: Quality of service can vary significantly depending on the local agent.
#5 – Travelers: Best for Customizable Coverage Options
Pros
- Extensive Coverage Options: Known for offering a wide array of options that can be customized to specific needs.
- Discount Opportunities: Provides various discounts, including multi-policy, safe driver, and new car discounts.
- Strong Industry Reputation: Read more about why Travelers is well-regarded in the industry for claims handling and customer satisfaction in our Travelers insurance review & ratings.
Cons
- Pricing: Premiums may be higher than some competitors, depending on the policyholder’s profile.
- Complexity of Policy Options: The wide range of options can be overwhelming and confusing for some customers.
#6 – State Farm: Best for Local Agent Network
Pros
- Extensive Agent Network: Learn how State Farm’s large agent network enhances service in our “State Farm insurance review & ratings.
- Robust Financial Strength: Offers reliable claims support backed by strong financial ratings.
- Innovative Tools: Provides innovative tools and apps for customer engagement and claims processing.
Cons
- Cost Variability: Rates can vary significantly from one region to another.
- Limited Discounts: Compared to competitors, the range of discounts can be narrower.
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#7 – American Family: Best for Loyalty Discounts
Pros
- Customer Focused: Known for a customer-centric approach and high satisfaction rates.
- Diverse Coverage Options: Offers a range of customizable coverage options to meet diverse needs.
- Loyalty Discounts: Read about loyalty discounts in our American Family insurance review & ratings.
Cons
- Limited Geographic Reach: Not available in all states, which can be a limitation for some potential customers.
- Average Claim Process: Some customers report an average experience with the claim process.
#8 – Farmers: Best for Customizable Policy Options
Pros
- Customizable Policies: Discover the benefits of customizable policies in our Farmers insurance review & ratings.
- Helpful Agent Network: Large network of agents that offer supportive and informed service.
- Innovative Initiatives: Provides innovative programs like signal app for driving behavior monitoring.
Cons
- Higher Premiums: Generally more expensive, particularly without bundling.
- Variable Customer Satisfaction: Customer satisfaction can vary widely depending on individual agents and regional service.
#9 – Allstate: Best for Innovative Driver Discounts
Pros
- Strong Local Agents: Provides accessible local agents who offer personalized advice and service.
- Innovative Discounts: Offers unique discount programs such as the DriveWise program that monitors driving behaviors.
- Comprehensive Coverage Options: Explore the range of coverage options in our Allstate insurance review & ratings.
Cons
- Higher Price Point: Tends to be more expensive than some other competitors.
- Inconsistencies in Service: Customer reviews indicate some inconsistency in service quality and claim handling.
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#10 – The General: Best for Insuring High-Risk Drivers
Pros
- Acceptance of High-Risk Drivers: Specializes in insuring high-risk drivers who may have trouble obtaining insurance elsewhere.
- Fast Claims Process: Find out how The General streamlines claims in The General car insurance review & ratings.
- Flexible Payment Options: Offers various payment plans to accommodate different financial situations.
Cons
- Higher Rates for High-Risk Profiles: While it accepts high-risk drivers, it often charges significantly higher rates.
- Limited Coverage Options: Offers fewer coverage options compared to larger insurers.
Key Factors Impacting Ford Windstar Passenger Insurance Rates
Your insurance rates for a Ford Windstar Passenger vehicle depend on several factors. One key factor is your driving record. A clean driving record with no accidents or traffic violations can result in lower rates. The age and condition of your Ford Windstar Passenger also influence costs; older or poorly maintained vehicles may incur higher rates due to increased risks.
Your location affects rates too—living in an area with high crime rates or frequent accidents can lead to higher premiums. Mileage matters as well; higher mileage often correlates with a higher risk of accidents and mechanical issues, leading to increased costs.
Additionally, the presence of safety features and anti-theft devices, such as airbags, anti-lock brakes, and electronic stability control, can help lower your insurance premiums by qualifying for safety features car insurance discounts.
Ford Windstar Passenger Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $55 | $130 |
| American Family | $51 | $127 |
| Erie | $46 | $113 |
| Farmers | $52 | $125 |
| Mercury | $47 | $118 |
| Nationwide | $48 | $115 |
| Progressive | $45 | $110 |
| State Farm | $50 | $120 |
| The General | $60 | $140 |
| Travelers | $49 | $112 |
The table presents the monthly insurance rates for a Ford Windstar Passenger Car based on different coverage levels and providers. It shows the costs for both minimum and full coverage across various insurance companies. For example, Allstate charges $55 for minimum coverage and $130 for full coverage, while Erie offers more competitive rates at $46 for minimum and $113 for full coverage.
The table also includes rates from other providers such as American Family, Farmers, Mercury, Nationwide, Progressive, State Farm, The General, and Travelers, with The General being the most expensive at $60 for minimum coverage and $140 for full coverage.
Monthly Ford Windstar Insurance Costs
The average monthly cost to insure a Ford Windstar Passenger car is between $100 and $125, depending on various factors. For an accurate quote, provide your vehicle and driving details to insurance providers.
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Insurance costs depend on your driving record, the car’s age and condition, location, mileage, and the types of car insurance coverage you need. Basic liability coverage is cheaper than comprehensive coverage, which might be required if your car is leased or financed.
Choosing a higher deductible can reduce premiums but increases out-of-pocket costs for claims. To find competitive rates, compare quotes from different insurers, considering price, coverage limits, deductibles, and discounts to find the best deal for your needs.
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Strategies to Lower Ford Windstar Passenger Insurance Costs
Insurance costs for a Ford Windstar Passenger car can be reduced by maintaining a good driving record, installing safety features and anti-theft devices, bundling policies, and comparing quotes from different insurers. Safety features like alarm systems and GPS tracking can lead to discounts.
Bundling your car insurance with home or life insurance may also lower premiums. Comprehensive coverage, while potentially more expensive, provides protection against non-collision incidents like theft or fire. The age and condition of your vehicle also affect insurance rates.
Older cars may have lower premiums due to reduced replacement costs, but they might lack modern safety features and could be more prone to mechanical issues, potentially leading to higher insurance costs. Maintaining your vehicle well can demonstrate to insurers that it’s lower risk, possibly leading to lower premiums.
The table outlines the various car insurance discounts offered by top providers for a Ford Windstar Passenger. Each provider lists multiple discounts aimed at different customer profiles. For instance, Allstate offers discounts such as Multi-policy, Safe driver, and Anti-theft among others. American Family provides discounts including Multi-policy, Loyalty, and Good student.
Similarly, Erie, Farmers, Mercury, Nationwide, Progressive, State Farm, The General, and Travelers each offer a range of discounts like Safe driver, Good student, and Multi-policy, tailored to incentivize safe driving habits, loyalty, and specific customer circumstances such as owning a new car or a hybrid/electric vehicle.
Ford Windstar Insurance: Deductibles, Driving Record, and Location’s Role
Deductibles significantly affect Ford Windstar Passenger car insurance costs. A deductible is the out-of-pocket amount you pay before your insurance covers the rest. Higher deductibles usually lower premiums but mean higher costs if you make a claim. Choosing a higher deductible can save money, but consider your financial ability to pay it in case of a claim.
Your driving record also impacts premiums. A history of accidents or violations can lead to higher rates, while a clean record often results in lower costs and qualifies you for safe driver car insurance discounts. Your driving record isn’t static; violations can affect premiums for several years. Maintaining a good record helps keep insurance costs down over time.
Location and mileage are crucial factors too. High crime rates or frequent accidents in your area can increase premiums, while safer areas can reduce them. More miles driven generally leads to higher premiums due to increased accident risks. Providing accurate location and mileage information to insurers is essential for obtaining accurate quotes and avoiding potential claim issues.
Maximize Savings on Ford Windstar Insurance With Smart Discounts
When insuring a Ford Windstar Passenger car, you may qualify for various discounts that can lower premiums, including good driver discounts for a clean driving record, safety feature discounts for equipment like airbags or anti-lock brakes, anti-theft device discounts for security systems, bundling discounts for combining with other policies.
Multi-vehicle discounts for insuring multiple cars, including scenarios with a multiple owner vehicle who is required to carry insurance, and good student discounts for maintaining a certain GPA are offered by various insurers. Safety features and anti-theft devices, such as lane departure warning systems and GPS tracking, significantly lower rates by reducing accident and theft risks.
When seeking insurance quotes, mention all safety and anti-theft features to receive applicable discounts. Bundling your Ford Windstar insurance with home or life policies can save money and simplify management by consolidating coverage under one provider. Ensure the bundled policies meet your needs and provide adequate coverage, weighing overall cost savings against any potential limitations.
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Case Studies: Securing Affordable Ford Windstar Passenger Insurance
In the competitive insurance market, choosing the right coverage for your Ford Windstar Passenger is crucial for personal financial security and vehicle protection. Here are three fictional scenarios based on real-world situations that demonstrate how different companies can meet specific insurance needs.
- Case Study #1 – Competitive Rates: John, a father of three, primarily uses his Ford Windstar for family outings and daily errands. With a tight budget, finding an affordable insurance rate is critical. He chooses Progressive for its competitive rate of $45 a month, which fits his budget while providing comprehensive coverage that gives him peace of mind during his frequent road trips.
- Case Study #2 – Consistent Pricing: Sarah, a freelance artist, transports art supplies and installations to local galleries using her Ford Windstar. She values stable expenses due to fluctuating income. Erie offers consistent pricing at $46 per month, allowing her to accurately predict insurance costs and maintain financial planning, including business insurance for art galleries.
- Case Study #3 – Insurance for Local Agents: Alex, a retired school teacher, prefers personalized service and direct contact with insurance representatives. He values the ease of access to local agents that Mercury Insurance provides. At a monthly rate of $47, Alex benefits from face-to-face interactions that help him understand his coverage better and make informed decisions about his insurance needs.
These case studies illustrate how various providers cater to different customer priorities, offering tailored insurance solutions for the Ford Windstar Passenger.
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Each scenario highlights the importance of matching insurance features with personal circumstances to ensure optimal coverage and satisfaction.
Finding the Best Insurance Provider for Your Ford Windstar
To find the best insurance companies for your Ford Windstar, research and compare multiple companies. Assess each provider’s financial stability and reputation, especially for claims handling. Customer reviews can offer insights into service quality.
Explore available discounts and coverage options specific to your vehicle. Seek recommendations from trusted sources. Contact providers directly for quotes and discuss your needs. By following these steps, you can select an insurance provider that offers comprehensive coverage at a competitive price.
Get fast and cheap auto insurance coverage today with our quote comparison tool below.
Frequently Asked Questions
Which brand of car has the cheapest insurance?
Out of the most popular 2023 models in the U.S., the Subaru Forester and the Mazda CX-30 are the cars with the cheapest auto insurance rates. The estimates we received averaged just under $1,996 per year for full-coverage car insurance for these models.
To gain further insights, consult our comprehensive guide titled “10 Cheapest Car Insurance Companies” for more details.
What is the lowest level of car insurance?
The minimum amount of car insurance you’ll typically need is state-required liability coverage. This allows you to pay for some, if not all, of the of the injuries and damages you’re liable for in an accident. The most commonly required liability limits are $25,000/$50,000/$25,000, which means $25,000 in bodily injury per person.
Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
What age group has the cheapest car insurance?
Experienced and middle-aged drivers in their 30s, 40s, and 50s often have the cheapest car insurance of all age groups.
For additional details, explore our comprehensive resource titled “What age do you get cheap car insurance?” for further information.
What is the cheapest category for car insurance?
Group 1 is the lowest insurance group, which also means it’s the cheapest insurance group. Group 50 is the most expensive. However, premiums aren’t just based on the insurance group. Other factors are taken into consideration, too.
Which is safer SUV or mini van?
Minivans have a lower likelihood of rolling over thanks to their lower profile and broader base, which provide greater stability on the road. In 2021, minivans had the second-lowest rollover rate, at 26%. While minivans have a slight edge over SUVs, it often comes down to the specific make and model.
Which category of car insurance is best?
Comprehensive car insurance gives you the highest level of protection available.
To learn more, explore our comprehensive resource on insurance titled “What is comprehensive coverage?” for deeper insights.
Which used car has the cheapest insurance?
As mentioned, models with fewer trims, impressive safety ratings, and cheaper price tags tend to be less expensive to insure than luxury vehicles. Thus, it’s no surprise that some of the cheapest car models to insure are the Honda HR-V, Subaru Forester, Jeep Wrangler, Hyundai Kona, Volkswagen Tiguan, and Mazda CX-5.
Which insurance is best for a used car?
A third-party car insurance policy is mandatory, be it a new or old car. But you can consider buying the Comprehensive insurance policy for your old car, as it provides all-round coverage for your car.
Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
What car is the most expensive to insure?
The most expensive cars to insure, based on the national average of insurance coverage, are: Maserati Quattroporte: $5,024 a year (a luxury car); Audi R8: $4,568 a year (a luxury sports car); BMW i8: $4,372 a year (a hybrid sports car).
To delve deeper, refer to our in-depth report titled “Most Expensive Cars in the World” for complete details.
What is Ford’s cheapest car?
The cheapest Ford is the Ford Fiesta, based on our analysis of the starting MSRP of all new vehicles for 2024, along with an assessment of each vehicle’s reliability, resale value, and safety. The Ford Fiesta has a starting MSRP of $14,260, while the next cheapest Ford is the Fiesta at $14,560.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
