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: Jan 5, 2018

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Want lower insurance coverage rates for your Ford Econoline Cargo? Frustrated by the number of insurance coverage companies that you can choose from? You’re not alone. People have such a vast assortment of companies available that it can easily turn into a chore to lower your rates.

Smart consumers take time to take a look at other company’s rates periodically since insurance prices go up and down regularly. If you had the lowest price for Econoline Cargo coverage a year ago a different company probably has better rates today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the right way to find better coverage at a better price.

Take advantage of every insurance coverage discount

Some companies do not advertise every policy discount very clearly, so below is a list both the well known and the harder-to-find credits available to bring down your rates.

  • Distant Student – Children who live away from home at college and don’t have a car could get you a discount.
  • Student Driver Training – Require your teen driver to participate in a local driver’s education class in high school.
  • Active Service Discounts – Being on active duty in the military can result in better insurance coverage rates.
  • Braking Control Discount – Cars that have anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
  • Discount for New Cars – Buying insurance on a new vehicle can cost up to 25% less since newer vehicles are generally safer.

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way.

Some of the insurance companies that possibly offer these money-saving discounts include:

When getting free auto insurance quotes, it’s a good idea to all companies you are considering to apply every possible discount. Some credits may not apply to policies in your state. To see a list of insurance coverage companies that offer many of these discounts, click here to view.

The most recommended method to compare rates is to realize car insurance companies provide online access to give you rate quotes. The only thing you need to do is provide details including if a SR-22 is needed, how many miles driven, if the vehicle is leased, and how your vehicles are used. Your rating data is submitted instantly to insurance companies and you receive quotes instantly.

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

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Why you might pay lower rates

Many things are taken into consideration when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but others are more obscure such as your marital status or how financially stable you are.One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that help determine your policy premiums. If you have some idea of what determines base rates, this allows you to make good choices that may reward you with cheaper rates.

  • Prevent theft and save – Driving a car with an alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
  • If you don’t need it don’t buy it – There are a ton of extra bells and whistles that you can buy when buying auto insurance. Coverages like vanishing deductibles, accident forgiveness, and term life insurance could be just wasting money. These coverages may sound good when talking to your agent, but if you have no use for them get rid of them and save.
  • Tickets hurt – Your driving citation history has a big impact on rates. Having just one speeding ticket or other violation can increase the cost of insurance forty percent or more. Attentive drivers get better rates as compared to careless drivers. Drivers who have gotten serious citations such as DUI or reckless driving might be required by their state to complete a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Consolidate policies and save money – Some auto insurance companies allow discounts to customers that buy multiple policies, otherwise known as a multi-policy discount. Even if you’re getting this discount consumers should still compare other company rates to make sure you are getting the best deal.
  • Safety ratings are a factor – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles built for safety reduce the chance of injuries and fewer serious injuries translates directly to fewer claims and more competitive rates for policyholders. If your Ford is rated at a minimum four stars on or an “acceptable” rating on you may qualify for a discount.

How to know if you need help

When buying adequate coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions could help you determine if your situation might need an agent’s assistance.

  • Does coverage extend to Mexico or Canada?
  • Am I better off with higher deductibles on my 2008 Ford Econoline Cargo?
  • How many claims can I have before being cancelled?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do all my vehicles need collision coverage?
  • Can my babysitter drive my car?
  • Does my insurance cover my expensive audio equipment?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

Do auto insurance companies bend the truth?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the companies have a common claim that people will save if you just switch your auto insurance coverage to their company. How is it possible that every company can offer you a better deal? It’s all in how they say it.

Many companies are able to cherry pick for the type of driver that makes them money. For instance, a profitable customer may need to be over the age of 40, carries full coverage, and drives a safe vehicle. Someone who meets those qualifications gets the lowest car insurance rates and as a result will probably cut their rates substantially.

Insureds who don’t measure up to those standards will get higher prices with the end result being the prospect going elsewhere. If you pay close attention to the ads, they say “customers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how companies can truthfully make those statements. Because of the profiling, drivers should get auto insurance quotes as often as possible. It’s impossible to know which insurance companies will fit your personal profile best.

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

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Detailed coverages of your auto insurance policy

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision protection

This coverage pays for damage to your Econoline Cargo from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, doctor visits, funeral costs, hospital visits and chiropractic care. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage

Liability coverage protects you from damage that occurs to other’s property or people. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things such as repair costs for stationary objects, attorney fees, court costs and loss of income. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Econoline Cargo.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Make a quick buck

As you prepare to switch companies, do not buy poor coverage just to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to find out that it was a big mistake. The goal is to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

More affordable insurance coverage is definitely available from both online companies as well as from independent agents, and you need to price shop both to have the best selection. Some insurance companies do not offer the ability to get quotes online and usually these small, regional companies only sell coverage through independent insurance agencies.

We just presented many tips how you can lower your 2008 Ford Econoline Cargo insurance premium rates. The key concept to understand is the more providers you compare, the better chance you’ll have of finding low cost auto insurance. Drivers may discover the lowest premium rates come from the smaller companies.

Additional insurance coverage information is available below: