2013 Ford E-Series Van Insurance Cost – 5 Ways to Save

Trying to find better auto insurance rates for your Ford E-Series Van? Buying the lowest price auto insurance on the web might seem overwhelming for beginners to comparing rates and buying auto insurance online. With such a big selection of agents and insurers available, how are people expected to be able to compare every company in order to find cheaper auto insurance rates?

It’s important to price shop coverage on a regular basis because auto insurance prices are adjusted regularly by insurance companies. If you had the best quotes on E-Series van insurance six months ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

Locating the best car insurance is not that difficult. Just about anyone who is required by state law to have car insurance should be able to find better rates. Nevertheless, drivers need to have an understanding of how the larger insurance companies sell online and take advantage of how the system works.

How to compare free insurance coverage quotes

The majority of larger companies provide coverage price quotes on their websites. Getting prices online is quite easy as you simply type in your coverage information into the form. After you complete the form, the quote system obtains information on your driving record and credit history and generates a price based on the information you submitted.

Online price quotes makes it easy to compare insurance prices but the process of having to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to do this if you want to get the lowest insurance coverage rates.

There is an easier way to compare rates

The preferred way to find cheaper rates uses one simple form that analyzes rates from more than one company. It saves time, eliminates form submissions, and makes online shopping much more enjoyable and efficient. After your information is entered, it is rated and you can select any of the price quotes you receive.

If you find a better price you can simply submit the application and buy the policy. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

To fill out one form to compare multiple rates now, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you duplicate deductibles and limits exactly as they are listed on your policy. Using the same limits helps guarantee you’re receiving rate comparison quotes for similar insurance coverage.

Take these five policy discounts and save

Some insurers don’t always list all possible discounts in an easy-to-find place, so the list below gives a summary of a few of the more well known and also the lesser-known savings tricks you should be using when you buy insurance coverage online.

  • Discounts for Safe Drivers – Insureds without accidents could pay up to 40% less on E-Series van insurance than drivers with accidents.
  • One Accident Forgiven – but companies like Allstate and Progressive will let one accident slide before your rates go up with the catch being you have to be claim-free for a set time period.
  • No Claim Discounts – Good drivers with no accidents get the best insurance rates when compared to insureds who have frequent claims or accidents.
  • Homeowners Savings – Owning a house can save a few bucks since home ownership requires a higher level of personal finance.
  • Low Mileage Discounts – Keeping the miles down on your Ford can qualify you for slightly better rates than normal.

A quick disclaimer, some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though you would think all those discounts means the company will pay you, that’s just not realistic. Any qualifying discounts will reduce the amount you pay for coverage.

A few of the larger companies and the discounts they provide include:

  • State Farm may include discounts for good student, anti-theft, multiple policy, accident-free, good driver, and safe vehicle.
  • GEICO discounts include five-year accident-free, driver training, seat belt use, multi-vehicle, air bags, and military active duty.
  • SAFECO may offer discounts for bundle discounts, anti-lock brakes, drive less, homeowner, and anti-theft.
  • Farmers Insurance offers premium reductions for distant student, switch companies, alternative fuel, early shopping, good student, and mature driver.
  • AAA policyholders can earn discounts including education and occupation, anti-theft, good student, AAA membership discount, multi-policy, and pay-in-full.
  • USAA may have discounts that include driver training, annual mileage, military installation, defensive driver, loyalty savings, and good student.

Before buying, ask each insurance company how you can save money. A few discounts might not be offered in your area. If you would like to choose from a list of insurance companies that offer multiple discounts, click this link.

Which policy gives me the best coverage?

When choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • What are the best liability limits?
  • Am I covered if I wreck a rental car?
  • Is my trailer covered?
  • How much liability insurance is required?
  • At what point should I drop full coverage?
  • Is my dog or cat covered if injured in an accident?
  • Which is better, split liability limits or combined limits?
  • What is PIP insurance?
  • What is the rate difference between pleasure use and commuting?
  • What is medical payments coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverages

Understanding the coverages of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive protection – This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, a tree branch falling on your vehicle, damage from getting keyed, hail damage and damage from a tornado or hurricane. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability – Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as legal defense fees, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Medical expense coverage – Med pay and PIP coverage pay for expenses for things like surgery, dental work, ambulance fees, nursing services and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford E-Series Van.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – This will pay to fix damage to your E-Series Van resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Knowledge is power

Consumers who switch companies do it for a number of reasons such as policy non-renewal, being labeled a high risk driver, lack of trust in their agent or even not issuing a premium refund. It doesn’t matter what your reason, switching insurance companies can be easy and end up saving you some money.

We just presented many tips how you can lower your 2013 Ford E-Series Van insurance premium rates. It’s most important to understand that the more rate quotes you have, the better likelihood of getting the cheapest insurance coverage. Consumers could even find that the best price on insurance is with a smaller regional carrier.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your objective should be to find the BEST coverage at the best price, but don’t skip important coverages to save money.

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