Save on 2001 Ford Econoline Wagon Insurance Quotes

No car owner fancies paying their premiums for insurance, in particular when they could find better prices if they shop around.

You have multiple auto insurance companies to pick from, and although it’s a good thing to have a selection, it can be more challenging to adequately compare rates.

It’s a good idea to compare prices yearly because insurance rates are constantly changing. If you had the best deal for Econoline Wagon insurance two years ago there is a good chance you can find better prices now. Ignore everything you know about insurance because we’re going to show you the tricks you need to know to remove unneeded coverages and save money.

How much does insurance coverage cost?

Most major insurance companies like State Farm, Allstate and GEICO make it easy to get pricing on their websites. Getting online rates is quite easy because you just enter your personal and coverage information into a form. When the form is submitted, their quoting system requests your credit score and driving record and returns a price based on these and other factors. Online price estimates makes it simple to compare prices but the process of having to visit many different websites and type in the same information gets old quite quickly. But it’s also necessary to get many rate quotes in order to get better prices.

There is an easier way!

The easiest way to find better insurance coverage pricing uses one form to get prices from a lot of companies. This type of form saves time, requires less work, and makes comparison shopping much easier. Immediately after you send the form, it is rated and you can choose any of the returned quotes. If you find a better price you simply finish the application and purchase coverage. This process takes 15 minutes at the most and may save quite a bit of money.

If you want to compare rates now, click here to open in new window and enter your information. If you have your current policy handy, we recommend you type in coverages and limits as close as possible to your current policy. This makes sure you are getting a fair comparison based on similar coverages.

Beware of misleading car insurance ads

Companies like State Farm, Allstate and GEICO endlessly run ads on television and other media. All the ads advertise claims that you’ll save big if you move your coverage. Is it even possible that every company can charge you less for auto insurance? This is how they do it.

Many companies can use profiling for the right customer that makes them money. An example of this type of driver might be married and over the age of 30, has no driving citations, and drives less than 7,500 miles a year. Any new insured that matches those criteria will probably get cheap premium rates and will most likely save if they switch.

Drivers who are not a match for those criteria must pay higher prices and ends up with the prospect going elsewhere. The ad wording is “customers who switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can advertise the way they do. This really emphasizes why you really need to compare free car insurance quotes often. It’s just not possible to know the company that will have the lowest prices for your situation.

Smart consumers save every year

Consumers need to have an understanding of a few of the rating criteria that help determine your premiums. When consumers understand what impacts premium levels, this enables you to make decisions that may reward you with big savings.

  • File a car insurance claims and pay more – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies give most affordable rates to people that do not abuse their auto insurance. Your insurance policy is designed for larger claims.
  • Older drivers are lower risk – Inexperience drivers are statistically shown to be more careless when at the wheel of a vehicle so car insurance rates are higher. Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents and get fewer tickets.
  • Never have coverage lapses – Driving any period of time without insurance is not a good idea and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will you pay more, getting caught without coverage can result in a revoked license or a big fine.
  • Pay more if you have a long commute – Having an address in a rural area has it’s advantages if you are looking for the lowest rates. People in densly populated areas tend to have traffic congestion and longer commutes to work. Fewer drivers and short commutes means fewer accidents and a lower car theft rate.

Take policy discounts and save

Some insurance providers don’t necessarily list every discount they offer in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find credits available to you.

  • 55 and Retired – Mature drivers may receive a discount up to 10% for Econoline Wagon insurance.
  • Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class as it can save substantially.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for lower car insurancerates due to less chance of an accident.
  • Government Employees – Having worked for a branch of the government may qualify for a discount when you quote car insurance for Econoline Wagon insurance with some car insurance companies.
  • Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you can avoid the installment charge.
  • Safe Driver Discounts – Drivers who avoid accidents can pay as much as 50% less for Econoline Wagon insurance than drivers with accidents.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
  • First Accident Forgiveness – This isn’t a discount exactly, but companies like Liberty Mutual and GEICO will turn a blind eye to one accident before raising your premiums if you are claim-free for a set time period.
  • Discount for Swiching Early – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.
  • Multiple Vehicles – Drivers who insure more than one vehicle on one policy can reduce the rates for all insured vehicles.

It’s important to understand that some credits don’t apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A few popular companies and some of the discounts are shown below.

  • Farm Bureau may offer discounts for renewal discount, driver training, safe driver, multi-vehicle, good student, and youthful driver.
  • MetLife has discounts for accident-free, good student, good driver, defensive driver, and claim-free.
  • Progressive may have discounts that include online signing, multi-vehicle, homeowner, online quote discount, good student, multi-policy, and continuous coverage.
  • AAA offers discounts including good driver, anti-theft, AAA membership discount, good student, and multi-policy.
  • American Family offers premium reductions for Steer into Savings, good student, bundled insurance, multi-vehicle, and good driver.
  • GEICO discounts include seat belt use, anti-lock brakes, emergency military deployment, air bags, and good student.
  • State Farm includes discounts for good driver, multiple autos, good student, accident-free, multiple policy, and anti-theft.

Before purchasing a policy, check with all companies you are considering what discounts are available to you. Some discounts listed above may not apply in your state. To locate insurers who offer online car insurance quotes, follow this link.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different and your policy should reflect that. These are some specific questions can help discover whether your personal situation will benefit from professional help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my personal policy cover me when driving out-of-state?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are all vehicle passengers covered by medical payments coverage?
  • When should my teen driver be added to my policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered when driving in Canada or Mexico?
  • Can I rent a car in Mexico?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage specifics

Having a good grasp of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Ford Econoline Wagon.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for funeral costs, pain medications and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like fire damage, damage from flooding and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance – This coverage provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as structural damage, repair costs for stationary objects, medical expenses, medical services and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, crashing into a building, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Buy online or local, you save

When you buy car insurance online, make sure you don’t buy poor coverage just to save money. There are a lot of situations where someone sacrificed collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage at the best possible price and still be able to protect your assets.

Budget-conscious 2001 Ford Econoline Wagon insurance can be sourced both online and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not have the ability to get quotes online and these smaller providers sell through independent agents.

We covered some good ideas how you can compare 2001 Ford Econoline Wagon insurance prices online. The key concept to understand is the more companies you get rates for, the higher your chance of finding affordable car insurance. You may be surprised to find that the best price on car insurance is with an unexpected company. Regional companies can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

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