Cheap Ford Windstar Cargo Car Insurance in 2024 (Save With These 10 Companies!)
Auto-Owners, State Farm, and AAA offer the best cheap Ford Windstar Cargo car insurance, with rates starting at $50 per month from Auto-Owners. These providers excel in affordability, comprehensive coverage, and customer satisfaction, making them the top choices for insuring your Ford Windstar Cargo effectively.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
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UPDATED: Jun 16, 2024
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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.
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: Jun 16, 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.
On This Page
563 reviewsCompany Facts
Min. Coverage for Ford Windstar Cargo
A.M. Best Rating
Complaint Level
Pros & Cons
563 reviews
17,754 reviewsCompany Facts
Min. Coverage for Ford Windstar Cargo
A.M. Best Rating
Complaint Level
Pros & Cons
17,754 reviews
2,934 reviewsCompany Facts
Min. Coverage for Ford Windstar Cargo
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviewsThe best providers for cheap Ford Windstar Cargo car insurance are Auto-Owners, State Farm, and AAA. These companies offer affordable rates and comprehensive coverage, ensuring that you get the best value for your insurance needs.
We will delve how these top picks excel in various aspects such as customer satisfaction, customizable policies, and reliable roadside assistance, helping you make an informed decision for insuring your Ford Windstar Cargo.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $50 | A++ | Customer Service | Auto-Owners |
 | #2 | $51 | B | Safe Drivers | State Farm |
 | #3 | $53 | A | Membership Benefits | AAA |
 | #4 | $54 | A | Comprehensive Discounts | American Family |
 | #5 | $55 | A | Wealthy Clients | Chubb |
 | #6 | $56 | A | High Risk | The General |
 | #7 | $58 | A | Low Premiums | Mercury |
 | #8 | $59 | A+ | AARP Discounts | The Hartford |
 | #9 | $60 | A | Bundling Options | Farmers |
 | #10 | $62 | A+ | Personalized Plans | Allstate |
Comparing options and understanding the benefits of each provider will enable you to secure optimal protection at competitive prices.
Enter your ZIP code above to explore which companies have the cheapest auto insurance rates for you.
- Auto-Owners is the top pick, offering the best rates and comprehensive coverage
- Address unique needs with customizable options for Ford Windstar Cargo coverage
- Find cheap Ford Windstar Cargo car insurance starting at $50 per month
#1 – Auto-Owners: Top Overall Pick
Pros
- Affordable Rates: Offers some of the lowest rates starting at $50 per month for minimum coverage.
- Comprehensive Options: Provides a wide range of coverage, including extensive collision and comprehensive options.
- Customer Satisfaction: Our Auto-Owners insurance review & ratings highlight the company’s high customer service and claims handling ratings.
Cons
- Limited Online Services: Lacks advanced online support and digital policy management tools.
- Availability: Coverage options and availability may vary significantly by state.
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#2 – State Farm: Best for Reliable Customer Service
Pros
- Flexible Coverage: Auto-Owners insurance review & ratings indicate strong financial stability, ensuring dependable coverage and peace of mind.
- Wide Agent Network: Strong presence with a vast network of local agents providing personalized service.
- Additional Benefits: Includes valuable extras like roadside assistance and accident forgiveness.
Cons
- Higher Premiums for Young Drivers: Rates can be higher for younger, less experienced drivers.
- Discount Limitations: Fewer discount opportunities compared to some other insurers.
#3 – AAA: Best for High-Mileage
Pros
- Multiple Discounts: Offers various discounts such as multi-policy, safe driver, and membership discounts.
- Reliable Roadside Assistance: Includes access to AAA’s renowned roadside assistance services.
- High-Mileage Coverage: According to our AAA insurance review & ratings, it’s a good option for drivers who frequently travel long distances.
Cons
- Membership Requirement: Requires AAA membership to access some discounts and services.
- Higher Basic Rates: Rates for basic coverage can be higher compared to other companies.
#4 – American Family: Best for Customizable Policy Options
Pros
- Extensive Discounts: Offers a wide array of discounts including loyalty, good student, and multi-policy.
- Customizable Coverage: American Family insurance is known for offering flexible coverage options tailored to individual needs. Read more about American Family insurance review & ratings.
- Strong Customer Service: Known for good customer service and strong financial stability.
Cons
- Geographic Limitations: Limited availability in some states, affecting accessibility.
- High-Risk Driver Costs: Can be more expensive for new or high-risk drivers.
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#5 – Chubb: Best for High-Value Coverage
Pros
- Comprehensive Coverage: Offers extensive options including high-value item protection and extended liability.
- Financial Stability: Chubb insurance is noted for its strong financial backing, which ensures reliable claim payments. Discover more in our Chubb insurance review & ratings.
- Personalized Service: Known for excellent customer service and quick claims processing.
Cons
- Higher Premiums: More extensive coverage options come with higher costs.
- Limited Discounts: Fewer opportunities for discounts compared to competitors.
#6 – The General: Best for High-Risk Drivers
Pros
- Flexible Payment Plans: Offers various payment options suitable for different budget needs.
- Quick Quotes: Explore our The General car insurance review & ratings to find out how the company provides fast and easy online quotes for immediate pricing.
- High-Risk Coverage: Specializes in coverage for high-risk drivers who might struggle to find insurance elsewhere.
Cons
- Higher Rates: Premiums tend to be higher compared to mainstream insurers.
- Basic Coverage Options: Offers fewer coverage options and add-ons.
#7 – Mercury: Best for Competitive Rates
Pros
- Competitive Rates: For lower rates and affordable policies, see our Mercury insurance review & ratings.
- Good Driver Discounts: Provides significant discounts for safe driving records.
- Convenient Online Tools: Offers user-friendly online tools for quotes and policy management.
Cons
- Limited Availability: Available only in certain states, limiting access for some customers.
- Basic Customer Service: Customer service is not as robust compared to larger insurers.
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#8 – The Hartford: Best for Senior Drivers
Pros
- Bundling Discounts: Offers significant discounts for bundling multiple policies.
- Senior-Focused Benefits: Provides special coverage options and discounts for AARP members.
- Good Customer Service: For responsive and helpful customer support, check out our The Hartford insurance review & ratings.
Cons
- Higher Costs for Younger Drivers: Tends to be more expensive for younger, non-senior drivers.
- Complex Policy Options: Coverage options can be complex and difficult to navigate.
#9 – Farmers: Best for Professional Discounts
Pros
- Extensive Coverage Options: Offers a wide range of customizable coverage options.
- Strong Customer Service: Farmers is recognized for its responsive and helpful customer support. Discover more in Farmers insurance review & ratings.
- Professional Discounts: Provides discounts for various professional groups and affiliations.
Cons
- Higher Premiums: Generally higher rates compared to budget insurance providers.
- Limited Digital Tools: Lacks advanced digital tools for policy management and claims.
#10 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Allstate is highly regarded for offering a variety of coverage options and add-ons. Read more about Allstate insurance review & ratings.
- Discount Opportunities: Provides multiple discount opportunities, including safe driver and bundling.
- Strong Financial Stability: Known for reliable claim payments and financial security.
Cons
- Higher Base Rates: Base premiums tend to be higher than some competitors.
- Average Customer Service: Customer service is rated as average compared to other top providers.
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Factors That Impact the Cost of Ford Windstar Cargo Car Insurance
The cost of insuring your Ford Windstar Cargo is influenced by several factors that can vary between insurance providers. Common considerations include your driving record, where a clean history with no accidents or traffic violations can lead to lower premiums.
Age and driving experience also play a role, with younger, less experienced drivers often facing higher rates. The location where you live impacts costs as well, as areas with high accident or theft rates tend to result in higher premiums. The coverage limits you choose for your Ford Windstar Cargo affect your insurance cost, with higher limits leading to higher premiums.
Additionally, the safety features in your vehicle, such as anti-lock brakes, airbags, and anti-theft devices, can lower your premiums since these features reduce the risk of accidents and theft, leading to safety features car insurance discounts.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $53 | $120 |
| Allstate | $62 | $135 |
| American Family | $54 | $115 |
| Auto-Owners | $50 | $115 |
| Chubb | $55 | $125 |
| Farmers | $60 | $130 |
| Mercury | $58 | $125 |
| State Farm | $51 | $110 |
| The General | $56 | $120 |
| The Hartford | $59 | $125 |
The table compares monthly rates for insuring a Ford Windstar Cargo by insurance company and coverage level. Minimum coverage rates range from $50 with Auto-Owners to $62 with Allstate. Full coverage rates vary from $110 with State Farm to $135 with Allstate. Auto-Owners and State Farm offer the most affordable full coverage, while Farmers and Allstate have the highest rates.
This comparison helps in choosing the best insurance provider and coverage level for a Ford Windstar Cargo. By comparing these rates and coverage options, you can make an informed decision to secure the most cost-effective and comprehensive insurance for your Ford Windstar Cargo.
Ford Windstar Cargo: Navigating Insurance Costs
Car insurance rates for the Ford Windstar Cargo can vary due to several factors specific to this vehicle, such as the costs of repair and replacement, with higher expenses leading to higher premiums. The presence of safety features like airbags and anti-lock brakes can reduce insurance costs by lowering the vehicle’s risk profile.
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Additionally, the claims history of the Ford Windstar Cargo may influence rates, with a higher incidence of claims potentially raising premiums. The vehicle’s age also plays a role, as older models may present more risks due to mechanical issues. When shopping for insurance, it’s crucial to obtain quotes from multiple providers, ensuring that you provide consistent information to facilitate accurate comparisons.
Evaluate the level of coverage and consider additional benefits like roadside assistance or rental car reimbursement. Assess the financial stability, customer service reputation, and potential discounts offered by insurance companies, and ensure they provide adequate coverage options such as comprehensive, collision, and liability insurance.
Smart Strategies for Lowering Ford Windstar Cargo Insurance Costs
To reduce the cost of insuring your Ford Windstar Cargo, consider maintaining a clean driving record to avoid accidents and traffic violations, which can lead to lower premiums over time. Opting for higher deductibles can also reduce premiums, though it’s essential to choose a deductible you can comfortably afford.
Additionally, take advantage of discounts by bundling policies, installing anti-theft devices, and completing defensive driving courses. Avoid common mistakes that can increase insurance costs, such as over insuring your vehicle; evaluate your needs to select appropriate coverage. Always compare quotes from different providers to ensure you get the best rate and be proactive in asking about available discounts to lower your costs.
When selecting car insurance coverage, consider options like liability coverage for legal liability in accidents, collision car insurance coverage for collision damages, comprehensive coverage for non-collision damages like theft or natural disasters, and uninsured/underinsured motorist coverage for accidents involving drivers with insufficient or no insurance.
The table shows the details of discounts available from top insurance providers for Ford Windstar Cargo. AAA, Allstate, and American Family offer discounts such as multi-policy, safe driver, and good student discounts. Auto-Owners and Chubb provide anti-theft and pay-in-full discounts.
Farmers and State Farm include professional group affiliations and accident-free rewards. These discounts can help reduce insurance costs while maintaining comprehensive coverage for your Ford Windstar Cargo. Utilizing these discounts can significantly lower insurance costs for Ford Windstar Cargo owners while ensuring comprehensive coverage.
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Monthly Insurance Costs for Ford Windstar Cargo
The average monthly cost of insuring a Ford Windstar Cargo varies depending on factors such as your location, driving history, and coverage limits, typically ranging from $50 to $100. Younger drivers, who are statistically more likely to be involved in accidents, often face higher premiums than older, more experienced drivers.
As you gain more driving experience and maintain a clean record, your insurance rates are likely to decrease over time. Equipping your Ford Windstar Cargo with advanced safety features like airbags, anti-lock brakes, and traction control can help reduce insurance costs by making the vehicle safer to drive.
Smart Tips for Choosing and Saving on Ford Windstar Cargo Insurance
A deductible is the amount you agree to pay out of pocket before your insurance coverage begins, and choosing a higher deductible typically results in lower premiums, as it means you assume more responsibility for potential damages. However, it’s essential to select a deductible you can comfortably afford in case of an accident or claim.
To find affordable, comprehensive coverage for your Ford Windstar Cargo, consider obtaining quotes from multiple insurance providers to compare rates and coverage options, bundling your insurance policies for potential discounts, and inquiring about available discounts like safe driver or low mileage discounts.
When choosing an insurance provider, research their reputation and financial stability to ensure they can meet their obligations in a claim, evaluate their policy coverage and limits to match your needs, and assess their customer service and claims handling process, including understanding your insurance agent’s role in the claims process.
Case Studies: Securing Affordable Ford Windstar Cargo Insurance
In today’s complex insurance market, choosing the right coverage for your Ford Windstar Cargo can greatly impact your business operations and financial stability.
- Case Study #1 – Comprehensive Protection: David, managing a catering business, chose Auto-Owners for comprehensive coverage against accidents, theft, and vandalism for his Ford Windstar Cargo. Auto-Owners’ $50 per month minimum coverage helped David keep operating costs low.
- Case Study #2 – Reliable Coverage: Maria uses her Ford Windstar Cargo for a mobile pet grooming service that often requires long-distance travel. She chose State Farm for its reliable roadside assistance and flexible coverage options. The comprehensive plan ensured her vehicle was covered for any unexpected breakdowns and accidents, making her long trips worry-free.
- Case Study #3 – Tailored Coverage: Brian runs a seasonal home renovation business and chose AAA for customizable coverage. This allowed him to pay for coverage during the busy season and adjust his policy during off-peak times, effectively managing costs while protecting his Ford Windstar Cargo.
These case studies illustrate how these companies provide tailored insurance solutions for Ford Windstar Cargo, addressing specific needs and offering flexible, comprehensive coverage.
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Comparing quotes and coverage options from these providers can help you find the best insurance fit for your situation.
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Optimize Your Ford Windstar Cargo Insurance With Smart Bundling
In conclusion, bundling your Ford Windstar Cargo insurance with other policies offers the convenience of managing all your insurance in one place and potential cost savings through multi-policy discounts. It also provides improved coverage with no gaps for your vehicle or other assets.
Understanding insurance cost factors and comparing car insurance quotes can help you secure affordable, comprehensive coverage. Choosing a reputable insurance provider and bundling policies enhances your overall coverage and savings.
Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
Frequently Asked Questions
What is the cheapest form of car insurance?
At the national level, the cheapest car insurance company is Auto-Owners, with average rate estimates of $39 per month for minimum coverage and $142 per month for full coverage, substantially cheaper than the national averages of $78 and $210 per month, respectively.
How to calculate cargo insurance?
The simplest method to calculate the insured value is to add the commercial invoice value of the goods to the cost of freight and add ten percent to cover additional expenses.
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What is cargo transit insurance?
Goods in transit insurance is a policy that covers the risks of damage, theft, or loss of items due to an insured event. It usually lasts during the period from loading to unloading and protects liable parties from financial loss.
For more information, delve into our detailed resource titled “What car insurance discounts does American Transit Insurance Company offer?“; it’s a quick and informative read.
Is cargo insurance worth it?
In some cases, cargo insurance may be non-negotiable. Depending on the carrier and method of transportation you choose, you may be required to purchase cargo insurance. This is because cargo insurance not only protects your business and its belongings but also protects the carrier in the event of an incident.
Who pays for cargo insurance?
Cargo insurance cover: As the shipper, you are responsible for arranging insurance as necessary.
What is the least amount of car insurance coverage?
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.
For a more thorough understanding, refer to our comprehensive report titled “Liability Insurance“; it’s an essential read.
What are the two kinds of cargo insurance policy?
Now that we’ve covered the terms, it’s time to dive into the types of cargo insurance—specifically, all-risk cargo insurance and named perils insurance coverage.
What is an example of cargo insurance?
For example, if a load is accidentally dumped into a waterway or on a roadway, cargo insurance may cover the expense of removing debris. This type of insurance can protect against financial losses while goods are in transit during shipment on the road.
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Which category of car insurance is best?
Comprehensive car insurance gives you the highest level of protection available.
For a comprehensive understanding, check out our detailed analysis titled “What is included in comprehensive car insurance?“; it’s highly informative.
What cargo insurance gives cover for?
Loss or damage due to accidents during transit: This is the core of cargo insurance. It covers goods against loss or damage as a result of an accident during transportation. This includes collisions, overturning, or other mishaps that can happen on the road, in the air, or at sea.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.
