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: Oct 5, 2015

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Trying to come up with a payment for overpriced insurance coverage can overdraw your personal savings and maybe even restrict other spending. Performing a price comparison is an excellent way to slash your bill and have more diposable income.

Multiple insurers compete for your business, and because of this it can be hard to compare auto insurance companies to find the lowest rate

If you have insurance now or are looking for a new policy, you can learn to find the best rates while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Vehicle owners only need to know the tricks to buy insurance over the internet.

Why your insurance rates might be higher

Lots of factors are used when you get a price on insurance. Most are fairly basic such as traffic violations, although some other factors are more obscure like your continuous coverage or your vehicle rating.

  • Don’t skimp on liability coverage – The liability section of your policy kicks in when you are found to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Consolidating policies can get discounts – Most companies will give a discount to customers that have more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other insurance prices to help guarantee you have the best rates.
  • Save money by staying claim free – Companies give lower rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect higher rates. Auto insurance is intended to be relied upon for claims that pose a financial burden.
  • Responsible drivers have lower costs – Whether or not you get tickets can have a huge impact on auto insurance premiums. Drivers with clean records have lower premiums than their less careful counterparts. Getting just one citation can bump up the cost by as much as twenty percent. People who have flagrant citations like reckless driving, hit and run or driving under the influence might be required by their state to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.

The quickest method we recommend to compare car insurance rates is to know the fact most larger insurance companies participate in online systems to provide you with free rate quotes. The only thing you need to do is provide details like the make and model of your vehicles, how many miles driven, how much school you completed, and if a SR-22 is required. The data gets sent immediately to multiple different insurance companies and you will receive price estimates with very little delay.

To start a rate quote now, click here and find out if lower rates are available.

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

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Car insurance ads are enticing

Drivers can’t get away from ads that claim the cheapest auto insurance rates from companies such as Progressive, Allstate and GEICO. They all seem to seem to make the promise about how much you will save if you just switch your policy.

Is it even possible that every company can charge lower premium rates? It’s all in the numbers.

Most companies have strict underwriting profiles for a prospective insured that will be a good risk. A good example of a desirable risk may need to be over the age of 50, has a clear driving record, and has great credit. Any driver who matches that profile receive the lowest rate quotes and will save a lot if they switch.

Insureds who do not match this ideal profile will probably be forced to pay a more expensive rate and this results in the prospect going elsewhere. The ad wording is “customers who switch” not “everyone who quotes” save that much money. That’s why insurance companies can confidently claim big savings. This really illustrates why you absolutely need to compare quotes as often as possible. Because you never know which car insurance company will have the lowest rates.

Earn discounts on car insurance

Companies offering auto insurance don’t always publicize every possible discount in an easy-to-find place, so we researched both well-publicized in addition to some of the lesser obvious car insurance savings. If they aren’t giving you every credit you qualify for, you could be getting lower rates.

  • Save over 55 – Seniors may receive a discount up to 10% for Econoline Cargo insurance.
  • Home Ownership Discount – Owning your own home or condo can save you money because of the fact that having a home is proof of financial responsibility.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a car insurance quote.
  • E-sign Discounts – A few larger online companies provide a small discount for completing your application on your computer.
  • Auto/Life Discount – If the company offers life insurance, you could get better rates if you take out a life insurance policy as well.
  • Active Military Service – Being on active duty in the military may qualify for rate reductions.

Remember that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works.

Some of the insurance companies that may include these discounts are:

Before you buy a policy, ask each company or agent to apply every possible discount. Depending on the company, some discounts might not be available to policyholders everywhere. To locate insurance companies who offer discounts, click here.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • What if I total my 2000 Ford Econoline Cargo and owe more than it’s worth?
  • Is other people’s property covered if stolen from my vehicle?
  • When can I cancel my policy?
  • Do I need roadside assistance coverage?
  • How can I get my company to pay me more for my totalled car?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when delivering products for my home-based business?
  • Why does it cost so much to insure a teen driver?
  • Should I get collision insurance on every vehicle?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

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

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Auto insurance policy specifics

Having a good grasp of auto insurance can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on most auto insurance policies.

Insurance for medical payments

Med pay and PIP coverage kick in for bills like dental work, surgery, prosthetic devices and chiropractic care. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, damage from a tornado or hurricane, rock chips in glass, theft and fire damage. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred 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. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage

Liability coverage provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as loss of income, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Find Good Coverage for Less

In this article, we presented a lot of information how to save on 2000 Ford Econoline Cargo insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding the cheapest car insurance. Drivers may discover the best price on insurance coverage is with a small local company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

More affordable insurance coverage can be found both online as well as from insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance companies do not provide price quotes online and many times these smaller companies prefer to sell through local independent agencies.

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