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: May 20, 2018

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There isn’t a single person who gets a kick out of paying for auto insurance, particularly when they could find better rates elsewhere.

Drivers have multiple insurance companies to choose from, and even though it’s nice to be able to choose, more choices can make it harder to find the lowest cost provider.

It’s important to take a look at other company’s rates before your policy renews due to the fact that insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest rates for Econoline Cargo insurance a couple years back you can probably find a lower rate today. You can search a lot of auto insurance on the web, but I’m going to show you some good information on how to reduce your auto insurance bill.

Finding cheaper coverage can be fairly easy. Just about every driver who buys car insurance will more than likely be able to find better rates. Nevertheless, drivers must comprehend how big insurance companies price insurance differently.

Low cost insurance coverage prices

Most larger insurance companies give prices for coverage on their websites. Getting prices online is fairly straightforward as you simply enter the coverages you want as detailed in the form. Once you submit the form, the company’s rating system will order credit information and your driving record and gives you a price quote determined by many factors. Quoting online helps simplify price comparisons, but the time it takes to visit different websites and enter the same data into a form is monotonous and tiresome. But it’s absolutely necessary to compare as many rates as possible in order to get the lowest possible prices on insurance coverage.

Keep reading for an easier way to compare prices

The quickest way to find cheaper rates makes use of a single form that gets price quotes from a lot of companies. It saves time, requires much less work on your part, and makes online quotes much more efficient. As soon as the form is sent, it gets priced and you are able to buy any one of the quotes that you receive.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. This process just takes a couple of minutes and can result in significant savings.

To save time and find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you enter deductibles and limits exactly as shown on your declarations page. This way, you’re receiving rate comparison quotes for similar insurance coverage.

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

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Insurance policy discounts

Not too many consumers would say insurance is affordable, but you might find some hidden discounts that could drop your premiums quite a bit. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be requested specifically before you will receive the discount.

  • Telematics Discount – Drivers who elect to allow their company to study driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.
  • Driver’s Ed – Teen drivers should participate in a local driver’s education class in school.
  • Distant Student Discount – Kids who are attending college and leave their car at home could qualify for this discount.
  • Theft Deterent Discount – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
  • Student Discounts – Excelling in school could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.

While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But all discounts should help reduce the cost of coverage.

Companies and their offered discounts can be found below.

  • Farm Bureau has discounts for multi-vehicle, good student, safe driver, 55 and retired, driver training, multi-policy, and renewal discount.
  • Liberty Mutual includes discounts for teen driver discount, multi-car, good student, safety features, and preferred payment discount.
  • State Farm discounts include defensive driving training, anti-theft, good driver, good student, safe vehicle, driver’s education, and passive restraint.
  • Auto-Owners Insurance offers discounts including anti-theft, teen driver, good student, multiple vehicles, paperless, mature driver, and safe vehicle.
  • GEICO may have discounts that include membership and employees, anti-lock brakes, defensive driver, federal employee, seat belt use, and anti-theft.
  • SAFECO may offer discounts for bundle discounts, safe driver, drive less, homeowner, multi-car, and teen safe driver.

Double check with every prospective company which discounts you may be entitled to. Some discounts might not apply in your state.

How do I know if I need professional advice?

When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

  • Should I put collision coverage on all my vehicles?
  • Should I buy only the required minimum liability coverage?
  • Do I need roadside assistance coverage?
  • Which companies will insure high-risk drivers?
  • Does car insurance cover theft of personal property?
  • If my 2001 Ford Econoline Cargo is totaled, can I afford another vehicle?
  • I don’t drive much so do I pay less?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Learn how to quote car insurance for less

Multiple criteria are part of the calculation when quoting car insurance. Some factors are common sense like your driving record, although others are not quite as obvious like your vehicle usage or how safe your car is.

The list below includes a partial list of the pieces that factor into prices.

  • Car insurance liability coverage limits – Liability insurance is the protection in the event that you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage to defend your case. Liability insurance is quite affordable compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Raise comp and collision deductibles and save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Ford. A few examples of covered claims would be a windshield shattered by a rock, damage from fire, and having your car stolen. The deductibles you choose state the amount of money you are required to spend if you file a covered claim. The more the insured has to pay upfront, the less money you will pay for car insurance for Econoline Cargo insurance.
  • Annual mileage and car insurance rates – The higher the mileage driven each year the more you’ll pay to insure your vehicle. A lot of insurance companies calculate rates based upon how much you drive. Vehicles that do not get driven very much cost less to insure than those used for commuting. Verify your policy reflects annual mileage, because it can save money. Incorrect rating for your Econoline Cargo may be wasting your money.
  • Gender impacts costs – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that women are BETTER drivers than men. Both sexes have at-fault accidents at about the same rate, but men have accidents that have higher claims. Not only that, but men also get more serious tickets such as reckless driving.
  • Know your credit rating – Having a good credit score can be an important factor in calculating your premium rate. People that have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit. If your credit history can use some improvement, you could save money insuring your 2001 Ford Econoline Cargo by repairing your credit.
  • Big city or small town – Choosing to live in small towns and rural areas has definite advantages when talking about car insurance. Fewer drivers on the road means reduced accidents as well as less vandalism and auto theft. Drivers who live in large cities regularly have congested traffic and more severe claims. The longer drive time can result in more accidents.

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

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Advertising and insurance

21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies make an identical promise that drivers will save a bundle just by switching your policy. Is it even possible that every company can offer you a better deal? You have to listen carefully.

Most companies provide the lowest rates for the type of insured that makes them money. A good example of this type of driver might have to be over age 30, has a low-risk occupation, and drives a car with an anti-theft system. Anybody who matches that profile gets the lowest car insurance rates as well as save a lot of money.

Potential insureds who are not a match for these stringent criteria will probably have to pay higher premiums and this can result in the prospect going elsewhere. Company advertisements say “customers who switch” but not “all drivers who get quotes” save that much when switching. That is how companies can make those claims.

Each company has different criteria, so drivers should compare rate quotes every year. It is impossible to predict which company will give you the biggest savings.

The coverage is in the details

Learning about specific coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for bills such as funeral costs, chiropractic care, hospital visits, rehabilitation expenses and ambulance fees. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This coverage protects you from damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, emergency aid, funeral expenses, medical expenses and medical services. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from getting keyed, falling objects and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, hitting a mailbox, damaging your car on a curb, crashing into a building and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Econoline Cargo.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Online plus local equals savings

More affordable insurance coverage is possible online and also from your neighborhood agents, and you need to price shop both to have the best selection. Some insurance companies don’t offer rate quotes online and many times these regional carriers prefer to sell through local independent agents.

We just presented some good ideas how you can save on 2001 Ford Econoline Cargo insurance. It’s most important to understand that 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 mutual company. Regional companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

Additional insurance coverage information is located on the following sites: