2011 Ford E-Series Van Insurance Cost

Trying to find better insurance prices for a new or used Ford E-Series Van can normally be a painful process, but you can use a few tricks to find lower rates.

There is a better way to buy auto insurance and you need to know the quickest way to get price quotes for a new or used Ford and locate the lowest possible price from local insurance agents and online providers.

It’s a great practice to take a look at other company’s rates every six months because auto insurance prices fluctuate regularly. Even if you think you had the best price for E-Series van coverage a few years ago a different company probably has better rates today. Ignore everything you know about auto insurance because you’re about to learn one of the easiest ways to reduce your cost while increasing coverage.

If you have insurance now or are looking for a new policy, you can follow these tips to cut your premiums while maximizing coverage. Locating the lowest cost protection is easy if you know what you’re doing. Vehicle owners just need to know the most efficient way to shop online.

Compare free insurance rate quotes

Finding more affordable insurance prices can be quick and easy. Just take a couple of minutes getting comparison quotes online with multiple companies. Insurance prices can be quoted using one of these methods.

  1. If you’re in a hurry, the quickest way to find low rates is to use a rate comparison form like this one (opens in new window). This form keeps you from doing repetitive form submissions for each company. In just a few minutes this one form gets you coverage quotes instantly. It’s the fastest way to compare.
  2. A slightly less efficient method to compare rate quotes requires a trip to each individual company website and request a quote. For instance, we’ll assume you want to compare prices for Auto-Owners, Progressive and State Farm. You would have to visit each site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.

Compare rates however you want, just try to use identical coverages for every company. If you compare mixed coverages you will not be able to decipher which rate is best.

Everyone needs different insurance coverages

When it comes to buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different.

These are some specific questions may help highlight if your insurance needs could use an agent’s help.

  • How can I get high-risk coverage after a DUI?
  • Does my personal policy cover me when driving out-of-state?
  • What is the rate difference between pleasure use and commuting?
  • Is there coverage for injuries to my pets?
  • Do I have coverage if my license is suspended?
  • Does my policy pay for OEM or aftermarket parts?

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 agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Car insurance coverages for a Ford E-Series Van

Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Liability car insurance – Liability insurance can cover damage or injury you incur to other people or property in an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, court costs, bail bonds and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Ford E-Series Van.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – This pays for damage to your E-Series Van resulting 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 insurance covers things like colliding with a tree, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, hitting a deer, vandalism and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like ambulance fees, pain medications, surgery, hospital visits and dental work. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage