2008 Ford Econoline Cargo Insurance Quotes

Looking for lower car insurance rates for your Ford Econoline Cargo? Are you a victim of high-priced car insurance? Trust us when we tell you many drivers have buyer’s remorse.

Multiple insurance companies compete for your business, so it can be very hard to choose a insurance company to discover the definitive best rate

You should make it a habit to quote other rates periodically because insurance prices tend to go up over time. Even if you got the best quotes on Econoline Cargo coverage a couple years back there is a good chance you can find better rates now. There is a lot of bad information regarding car insurance on the internet, but I’m going to show you a lot of great tips on how to slash your car insurance rates.

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These discounts can lower your car insurance rates

Car insurance is easily one of your largest bills, but discounts can save money and there are some available that can help lower your rates. Certain discounts will be triggered automatically when you get a quote, but some need to be asked for before you get the savings.

ABS Brakes – Cars and trucks equipped with ABS or steering control can reduce accidents so you can save 10 percent or more.
One Accident Forgiven – Not really a discount, but companies like State Farm and GEICO will turn a blind eye to one accident before your rates go up if your claims history is clear prior to being involved in the accident.
Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
Discount for New Cars – Adding a new car to your policy can save you some money because new vehicles keep occupants safer.
Paperwork-free – A handful of companies will give a small break for buying your policy on their website.
Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.

As a sidenote, many deductions do not apply the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, that’s just not realistic.

Some of the insurance companies who may offer some of the discounts shown above possibly include:

Before you buy a policy, ask all the companies which discounts you qualify for. Savings might not be offered on policies everywhere. To find providers that offer some of these discounts, click here.

Different people need different insurance coverages

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might help in determining if you could use an agent’s help.

What is medical payments coverage?
How can I force my company to pay a claim?
Will my rates increase for filing one claim?
Should I buy full coverage?
Can my teen driver be rated on a liability-only vehicle?
Am I covered if I hit a deer?
Does my insurance cover a custom paint job?
Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Well known brands might not be cheapest

State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. They all seem to advertise claims of big savings after switching your insurance policy to them. But how can every company sell you cheaper insurance coverage?

Insurance providers offer their best rates for the driver they prefer to insure. An example of a profitable insured may need to be a female over age 40, has no claims, and drives a safe vehicle. Anybody who meets those qualifications will probably get cheap prices and is almost guaranteed to save if they switch.

Potential customers who don’t qualify for these criteria will get higher premium rates which usually ends up with business going elsewhere. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” save that much money. That is how insurance companies can state the savings. This really illustrates why it’s extremely important to compare as many free insurance quotes as you can. It’s just not possible to know which company will be your best fit.

Car insurance policy specifics

Having a good grasp of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages available from car insurance companies.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like vandalism, hail damage and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values 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 a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as emergency aid, bail bonds and medical expenses. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, colliding with a tree, crashing into a ditch, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for rehabilitation expenses, chiropractic care, dental work and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Ford Econoline Cargo.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Pennies from heaven

A few companies do not offer the ability to get quotes online small insurance companies prefer to sell through local independent agencies. Lower-priced 2008 Ford Econoline Cargo insurance can be bought on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where someone dropped uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

Additional car insurance information can be read at the links below