Gary-- I'm puzzled that the insurance company would consider a used Windstar to be that much cheaper than a comparable Caravan. I have a new Kelley Blue Book and tried to find a '98 Windstar model to compare with a '98 Caravan, new and used. The Caravan was slightly cheaper when new and has a little higher used private party value. '98 Windstar new--$23090 Used--$4575 '98 Caravan new--$23060 Used--$4625 Probably every case is different, and no doubt a later model Windstar is better than a Caravan. I just wonder why that's not borne out by the Blue Book. Ray Mac

Insurance companies don't generally use KBB, they use the NADA for value - private sale pricing when they buy it as scrap for totalling. www.nadaguides.com - see if you get the same results.