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: Aug 28, 2018

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Trying to find better insurance rates for your Ford Econoline Cargo? Being forced to pay for high-priced insurance premiums can draw down your monthly budget and force you to prioritize other expenses. Price shopping at each renewal can save money and help to make sure you’re not throwing money away.

People have multiple car insurance companies to pick from, and even though it’s nice to be able to choose, too many choices makes it more difficult to find the lowest cost provider.

Finding car insurance

There are a lot of ways to compare car insurance quotes, but one way is more efficient than others. You can waste a few hours (or days) driving to insurance companies in your area, or you could save time and use online quoting to achieve your goal.

Most major companies participate in a marketplace that enables customers to enter their policy data once, and every company returns a rated price based on the submitted data. This prevents consumers from doing quote forms to every company.

To find out how much you can save on car insurance click here to open in new window.

The single downside to pricing coverage this way is you don’t know exactly the insurers to get pricing from. If you would rather choose specific providers to compare prices, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

Compare rates however you want, just try to use equivalent quote data on every price quote you get. If you compare different limits and deductibles on each one it will be impossible to determine the best price for your Ford Econoline Cargo.

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

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Tailor your insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Is my 2003 Ford Econoline Cargo covered for smoke damage?
  • Do I pay less for low miles?
  • Do I need replacement cost coverage?
  • Can I drive in Mexico and have coverage?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need an umbrella policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Car insurance policy specifics

Learning about specific coverages of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types found on most car insurance policies.

Coverage for collisions

This covers damage to your Econoline Cargo caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, sustaining damage from a pot hole, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses like chiropractic care, X-ray expenses, prosthetic devices and surgery. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive coverages

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like vandalism, hail damage and fire damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your 2003 Ford Econoline Cargo.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability coverages

Liability coverage will cover injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like medical services, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.