Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Feb 1, 2018

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Trying to find cheaper insurance rates for your Ford Econoline Cargo? I doubt anyone likes buying insurance, in particular when they could get a better deal.

You have so many insurers to purchase coverage from, and though it is a good thing to have a selection, too many choices makes it more difficult to get the best deal.

Insurance coverage companies offer many types of discounts

Some insurance providers don’t always list all available discounts very clearly, so the list below contains a few of the more well known and the harder-to-find ways to save on insurance coverage.

  • One Accident Forgiven – This one isn’t a discount, but some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims before the accident.
  • Government Employees – Federal government employees may qualify for a discount when you quote insurance coverage for Econoline Cargo insurance depending on your company.
  • Homeowners Pay Less – Simply owning a home can earn you a little savings because of the fact that having a home demonstrates responsibility.
  • Theft Deterent Discount – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Defensive Driving Course – Passing a course that instructs on driving safety can save you 5% or more if you qualify.
  • Onboard Data Collection – Drivers who elect to allow companies to scrutinize where and when they drive through the use of a telematics system such as Progressive’s Snapshot might see lower rates if they show good driving skills.

As a sidenote, some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky.

To find companies that offer the discounts shown above, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

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How you can control Ford Econoline Cargo insurance premiums

One of the most helpful ways to save on insurance is to to have a grasp of some of the things that aid in calculating the level of your policy premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that may result in cheaper rates.

The items below are a partial list of the pieces utilized by car insurance companies to help set your premiums.

  • Big city or small town – Being located in a small town can save you money when insuring your vehicles. People who live in big cities regularly have more road rage incidents and more time behind the wheel. Lower population means a lower chance of having an accident in addition to fewer liability claims.
  • Increase coverage deductibles and save – Your deductibles state the amount of money you are willing to pay in the event of a claim. Insurance for physical damage to your car, also called ‘full coverage’, insures against damage to your car. Some coverage claims could be rearending another vehicle, collision with a deer, and damage caused by road hazards. The larger the amount the insured is willing to pay, the less your company will charge you for insurance for Econoline Cargo insurance.
  • Cars with good safety ratings save money – Safe vehicles can get you lower premiums. Vehicles built for safety protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.
  • What are good liability protection limits? – A critical coverage on your policy, liability insurance kicks in in the event that a jury decides you are liable for damages from an accident. It will provide legal defense coverage which can cost thousands of dollars. This coverage is relatively inexpensive compared to other policy coverages, so do not cut corners here.
  • Better drivers pay better premiums – Your driving citation history has a lot to do with how much you pay for insurance. Attentive drivers pay less for auto insurance compared to drivers with tickets. Getting just one speeding ticket or other violation can boost insurance rates by twenty percent. Drivers who have gotten flagrant violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with the DMV in their state in order to legally drive.
  • Frequent claims increase rates – Companies generally give discounts to insureds that do not abuse their auto insurance. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for larger claims.
  • Low credit rating equals high costs – A driver’s credit score can be a huge factor in determining what you pay for insurance. People that have excellent credit scores tend to file fewer claims and have better driving records as compared to drivers with lower ratings. Therefore, if your credit rating leaves room for improvement, you could be paying less to insure your 1999 Ford Econoline Cargo if you improve your credit rating.

Do I just need basic coverages?

When buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 1999 Ford Econoline Cargo is totaled?
  • Is my cargo covered for damage or theft?
  • Does my personal policy cover me when driving out-of-state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if my car is in a flood?
  • What are the best liability limits?
  • How can I find cheaper teen driver insurance?
  • Is extra glass coverage worth it?
  • Do I need rental car coverage?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance policy coverages for a 1999 Ford Econoline Cargo

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Econoline Cargo.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, fire damage, a broken windshield, hitting a deer and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as pain and suffering, legal defense fees, repair costs for stationary objects, funeral expenses and attorney fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for things like chiropractic care, pain medications, dental work and surgery. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

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More comparisons equals lower rates

In this article, we presented many tips how you can lower your 1999 Ford Econoline Cargo insurance auto insurance rates. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding low cost insurance coverage. Drivers may discover the lowest auto insurance rates come from a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

Cheaper car insurance is attainable on the web as well as from insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers may not have the ability to get a quote online and usually these small insurance companies sell through local independent agents.

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