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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Searching for better insurance rates for your Ford Econoline Cargo? Getting budget-priced insurance over the internet is problematic for beginners to comparing prices online. With so many online companies available, how can anyone effectively compare every insurance company to find better rates?

It’s a good habit to compare rates before your policy renews since insurance prices fluctuate regularly. Even if you got the best price for Econoline Cargo insurance on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re about to learn the proper way to lower your annual insurance bill.

Shopping for cheaper auto insurance coverage can be fairly easy. In a nutshell, every driver who carries auto insurance will be able to cut their insurance bill. Nevertheless, vehicle owners should learn the methods companies use to market on the web and take advantage of how the system works.

Lower your auto insurance rates with discounts

Auto insurance is not an enjoyable expense, but there may be some discounts that could drop your premiums quite a bit. Some of these disounts will be visible at quote time, but some must be asked for before they will apply.

  • Active Military Service – Being on active deployment in the military could qualify you for better auto insurance rates.
  • Telematics Data Discounts – Drivers who agree to allow their company to track vehicle usage by using a telematics device in their vehicle such as State Farm’s In-Drive may see discounts if they show good driving skills.
  • Early Switch Discount – A few companies offer discounts for buying a new policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance coverage online.
  • Student in College – Kids who are enrolled in higher education away from home and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Home Ownership Discount – Owning a home can save you money since home ownership is proof that your finances are in order.
  • Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease for Econoline Cargo insurance depending on your company.

Don’t be surprised that most credits do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, it doesn’t quite work that way.

To locate providers that offer multiple discounts, click here.

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

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Informed consumers save every year

A large part of saving on insurance is knowing the different types of things that help calculate your premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with better insurance rates.

Shown below are some of the factors used by your company to calculate your premiums.

  • Stress out and pay more – Did you know your occupation can influence how much you pay for insurance? Careers such as military personnelpolice officers and miners generally pay higher average rates in part from intense work situations and lots of time spent at work. On the other hand, professions such as scientists, historians and retirees generally pay rates lower than average for Econoline Cargo insurance.
  • Keep the miles off and save – The more miles you rack up on your Ford annually the more it will cost to insure it. The majority of insurers calculate rates determined by how the vehicle is used. Autos that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Incorrect rating for your Econoline Cargo can result in significantly higher rates. It’s always a good idea to double check that your vehicle rating reflects the correct driver usage.
  • Don’t abuse policy claims – If you are the type of insured that files lots of claims you should expect higher rates. Auto insurance companies award most affordable rates to insureds who are not frequent claim filers. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Lower comp and collision deductibles cost more – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Ford from damage. Some instances where coverage would apply are a windshield shattered by a rock, flood damage, and damage from a fallen tree branch. Your deductibles state the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more of the claim the insured is willing to pay, the bigger discount you will receive for Econoline Cargo insurance.

You are unique and your car insurance should be too

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • Is pleasure use cheaper than using my 2006 Ford Econoline Cargo to commute?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered when driving a rental car?
  • Does my policy cover my teen driver if they drive my company car?
  • Does medical payments coverage apply to all occupants?
  • Should I sign the liability waiver when renting a car?
  • Should I put collision coverage on all my vehicles?
  • What is an SR-22 filing?
  • When should I remove comp and collision on my 2006 Ford Econoline Cargo?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Save $429 a year! What?

Respected companies like Allstate and Progressive seem to constantly run television, radio, and online ads. They all seem to advertise the message that drivers can save some big amount if you just switch your insurance coverage to their company. How does every company save you money? You have to listen carefully.

Many companies have a preferred profile for the type of driver that will most likely be profitable. An example of this type of risk profile might be between 30 and 50, insures multiple vehicles, and drives a safe vehicle. Any person who matches those parameters gets the lowest rates and therefore will save if they switch.

Potential customers who do not fit the requirements may receive higher rates which results in the customer not buying. If you listen to the ad wording, they say “customers who switch” but not “everyone who gets a quote” save that much when switching. That is how companies can make those claims.

Because of these techniques, it is so important to compare many company’s car insurance rates. Because you never know which insurance company will be your best fit.

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

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Car insurance 101

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Liability coverage

This coverage can cover injuries or damage you cause to a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as funeral expenses, repair bills for other people’s vehicles, bail bonds, medical services and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your 2006 Ford Econoline Cargo.

Since many drivers 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. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, scraping a guard rail, colliding with a tree, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses such as doctor visits, rehabilitation expenses and dental work. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, fire damage and damage from a tornado or hurricane. The highest amount a auto 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.

Best coverage at the best price

People leave their current company for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, high rates after DUI convictions or an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

When searching for inexpensive insurance coverage quotes, never buy poor coverage just to save money. There are many occasions where an insured cut full coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

We just presented some good ideas how you can lower your 2006 Ford Econoline Cargo insurance rates. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding inexpensive insurance coverage. You may even find the best rates are with an unexpected company.

Additional information can be found at the links below