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: Mar 14, 2018

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Want lower car insurance rates for your Ford Econoline Cargo? Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? It’s quite common and there are a lot of people just like you who feel imprisoned by their car insurance policy. There are many car insurance companies to pick from, and although it’s a good thing to have a selection, lots of choices makes it harder to adequately compare rates.

The easiest way to compare car insurance company rates is to understand auto insurance companies pay for the opportunity to provide you with a free rate quote. The one thing you need to do is spend a couple of minutes providing details like how your vehicles are used, the ages of drivers, the year, make and model of vehicles, and if you require a SR-22. Your rating data is then sent to insurance carriers in your area and you will receive price estimates instantly.

To find lower rates now, click here and enter the information requested.

Discount insurance rates

Not many people think insurance is cheap, but there’s a good chance there are discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you complete an application, but a few must be asked about before you will receive the discount.

  • No Claim Discounts – Drivers who stay claim-free have much lower rates when compared to insureds who have frequent claims or accidents.
  • Discount for Low Mileage – Fewer annual miles on your Ford could be rewarded with cheaper premium rates.
  • Bundle and Save – When you combine your auto and homeowners insurance with the same company you will save at least 10 to 15 percent or more.
  • New Vehicle Savings – Buying a new car model can be considerably cheaper since newer vehicles have better safety ratings.
  • Theft Prevention System – Cars with anti-theft systems can help prevent theft so companies will give you a small discount.
  • Safety Course Discount – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Homeowners Discount – Owning a home can help you save on insurance since home ownership is proof of financial responsibility.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and qualify for as much as a 10% discount.

Discounts lower rates, but some credits don’t apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, it’s just not the way it works.

Large insurance companies and their offered discounts are included below.

  • State Farm may offer discounts for accident-free, good driver, driver’s education, safe vehicle, Drive Safe & Save, and anti-theft.
  • GEICO may include discounts for driver training, military active duty, anti-theft, daytime running lights, federal employee, membership and employees, and multi-policy.
  • Liberty Mutual offers discounts for new graduate, newly retired, newly married, teen driver discount, exclusive group savings, and multi-car.
  • The Hartford includes discounts for driver training, air bag, vehicle fuel type, defensive driver, anti-theft, and good student.
  • MetLife has savings for defensive driver, accident-free, good driver, good student, and claim-free.
  • Progressive discounts include online signing, good student, online quote discount, multi-policy, homeowner, and multi-vehicle.

If you are trying to find affordable insurance quotes, ask every company to apply every possible discount. Savings might not apply in every state. To view companies that offer multiple discounts, click here to view.

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

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Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help highlight whether you would benefit from an agent’s advice.

  • Do I need PIP coverage since I have good health insurance?
  • Does car insurance cover theft of personal property?
  • What can I do if my company won’t pay a claim?
  • Does my 2004 Ford Econoline Cargo need full coverage?
  • How much can I save by bundling my policies?
  • When would I need rental car insurance?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Eight things that affect your insurance premiums

Multiple criteria are used in the calculation when premium rates are determined. Some are pretty understandable such as your driving record, but some are more obscure such as your credit history or your financial responsibility.Consumers need to have an understanding of the different types of things that come into play when calculating car insurance rates. If you have a feel for what impacts premium levels, this helps enable you to make changes that could help you find lower rates.

  • Cars with good safety ratings cost less to insure – Vehicles that have high safety ratings tend to have better insurance rates. Safer cars have better occupant injury protection and lower rates of occupant injuries means your insurance company pays less passed on to you as lower rates.
  • Your age impacts your rates – Teen drivers tend to be less responsible when driving with friends therefore car insurance rates are much higher. Adding a teen driver to your policy can increase premiums substantially. More mature drivers are more responsible, tend to cause fewer accidents .
  • Premiums increase with driving tickets – Only having one driving citation can increase the cost of insurance forty percent or more. Attentive drivers pay less for auto insurance compared to bad drivers. Drivers who get dangerous citations like hit and run, DWI or reckless driving convictions may be required to maintain a SR-22 with their state DMV in order to prevent a license revocation.
  • Lower rates with a multi-policy discount – Lots of car insurance companies afford discounts to buyers that buy multiple policies, otherwise known as a multi-policy discount. The discount can add up to ten percent or more. Even if you qualify for this discount already, consumers should still compare rates to make sure you are getting the best deal.There is a chance you can save even more by insuring with multiple companies.
  • Don’t cut corners with liability coverage – Liability coverage will protect you if ever you are found liable for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to comp and collision, so drivers should carry high limits.
  • Your location is important – Being located in smaller towns and rural areas of the country is a good thing when buying car insurance. Residents of big cities tend to have more traffic problems and longer commutes to work. Less people living in that area translates into fewer accident claims in addition to fewer liability claims.
  • Better prices for continuous coverage – Driving with no insurance can get your license suspended and your next policy will cost more because you let your insurance lapse for non-payment. Not only will you pay more, not being able to provide proof of insurance may result in a hefty fine and possibly a revoked license.
  • Use credit responsibly and save – Your credit score is a big factor in determining what you pay for car insurance. Therefore, if your credit score could use some work, you could save money insuring your 2004 Ford Econoline Cargo by taking the time to improve your credit score. Drivers who have good credit tend to be more responsible as compared to drivers with lower ratings.

Coverages available on your policy

Knowing the specifics of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Auto liability insurance

This coverage can cover damage that occurs to other people or property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like structural damage, bail bonds, court costs, loss of income and medical services. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses like prosthetic devices, pain medications, doctor visits and EMT expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage will pay to fix damage to your Econoline Cargo from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as rolling your car, colliding with a tree, crashing into a building, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your 2004 Ford Econoline Cargo.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

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

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Save your hard earned cash

Budget-conscious 2004 Ford Econoline Cargo insurance is possible from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not provide internet price quotes and these smaller providers only sell through independent insurance agents.

In this article, we covered some good ideas how to compare 2004 Ford Econoline Cargo insurance premium rates online. It’s most important to understand that the more you quote insurance, the higher the chance of saving money. Consumers could even find that the biggest savings come from a lesser-known regional company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

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