2011 Ford E-Series Wagon Insurance Quotes

Searching for low-cost insurance for a Ford E-Series Wagon can normally be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to find insurance online so we’re going to tell you the absolute fastest way to compare rates for a new or used Ford and get the cheapest rates either online or from local insurance agents.

Consumers should take time to quote other rates at least once a year due to the fact that insurance prices change quite often. Even if you got the lowest rate on E-Series Wagon coverage a couple years back there may be better deals available now. Forget all the misinformation about insurance because we’re going to demonstrate the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current insurance coverage policy or are just looking to switch companies, you can learn to cut your premiums and still get good coverage. Shopping for the cheapest coverage is not that difficult. Drivers just need to learn the most efficient way to get comparison quotes on the web.

How to buy auto insurance online

Shopping for lower auto insurance rates can take time and effort if you aren’t aware of the easiest way. You could waste a few hours discussing policy coverages with agents in your area, or you can stay home and use the internet to achieve your goal.

The majority of car insurance companies take part in a program that allows shoppers to send in one quote, and each company provides a quote for coverage. This prevents consumers from doing form submissions to each company.

To compare rates using this form now click to open in new window.

The single downside to using this type of form is buyers cannot specifically choose which carriers to get pricing from. If you prefer to choose individual companies to compare, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

However you get your quotes, be sure you’re using the same deductibles and coverage limits on every quote. If your comparisons have higher or lower deductibles it’s not possible to make a fair comparison for your Ford E-Series Wagon.

Discounts for cheap insurance coverage rates

Some insurers don’t always advertise all possible discounts in an easy-to-find place, so we researched both the well known and also the lesser-known credits available to bring down your rates.

  • College Student Discount – who attend college more than 100 miles from home and leave their car at home may qualify for this discount.
  • Multi-car Discount – Buying insurance for primary and secondary vehicles on the same insurance coverage policy qualifies for this discount.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course if offered at their school.
  • Lower Rates for Military – Being on active deployment in the military could be rewarded with lower premium rates.
  • Pay Early and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.

Policy discounts save money, but some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

A few of the larger companies and a partial list of their discounts are included below.

  • GEICO includes discounts for defensive driver, emergency military deployment, good student, seat belt use, and anti-theft.
  • MetLife may have discounts that include defensive driver, good driver, accident-free, good student, claim-free, and multi-policy.
  • State Farm offers premium reductions for safe vehicle, Drive Safe & Save, accident-free, good student, multiple autos, and passive restraint.
  • Progressive discounts include online quote discount, good student, multi-policy, multi-vehicle, continuous coverage, and homeowner.
  • Mercury Insurance may include discounts for good driver, professional/association, good student, type of vehicle, and location of vehicle.
  • 21st Century has discounts for teen driver, automatic seat belts, early bird, student driver, and driver training.
  • Allstate has savings for auto/life discount, passive restraint, anti-theft, FullPay discount, 55 and retired, EZ pay plan discount, and resident student.

If you need low cost auto insurance quotes, ask each insurance company which discounts can lower your rates. Some credits might not apply in your area.

Find cheaper car insurance with these tips

Lots of things are used when you get your auto insurance bill. Some factors are common sense like an MVR report, but some are more obscure such as your credit history or your commute time.

  • Does your employer cost you more? – Did you know your car insurance rates can be affected by your occupation? Occupations like real estate brokerspolice officers and miners tend to pay the highest average rates due to intense work-related stress and lengthy work days. Conversely, jobs such as professors, engineers and homemakers have lower than average premiums on E-Series Wagon coverage.
  • Keep the miles off and save – Driving more miles in a year’s time the more you will pay for car insurance. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Vehicles that have low annual miles can be on a lower rate level than those used for commuting. Improper usage on your E-Series Wagon may be costing you. It’s always a good idea to double check that your policy shows the correct usage for each vehicle.
  • Where you live plays a part – Residing in smaller towns and rural areas of the country is a positive aspect when it comes to car insurance. Urban drivers tend to have traffic congestion and longer commute times. Fewer drivers on the road translates into fewer accidents and also fewer theft and vandalism claims.
  • Add-on coverages that aren’t used – Insurance policies have a lot of extra bells and whistles that may not really be needed if you aren’t diligent. Insurance for rental car coverage, high-cost glass coverage, and motor club memberships could be just wasting money. These coverages may sound good when deciding what coverages you need, but your needs may have changed so think about removing them and cutting costs.
  • No car insurance claims equals better car insurance rates – Car insurance companies provide lower rates to insureds who do not file claims often. If you frequently file small claims, you can pretty much guarantee higher rates. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Younger driver insurance costs – Inexperience drivers have been known to be more careless in a vehicle so car insurance rates are higher. Parents adding a young driver to your policy will cause a huge premium hike. More experienced drivers are more cautious drivers, tend to cause fewer accidents , and are generally more financially stable.
  • Never let your policy expire – Driving with no insurance is illegal and any future policy may cost more because you let your coverage have a gap. Not only will you pay higher rates, the inability to provide proof of insurance might get you fines or a revoked license.

You may need specialized insurance coverage

When buying adequate coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

For example, these questions might point out if your insurance needs might need professional guidance.

  • What is the minimum liability in my state?
  • Will I lose any money if I cancel my policy before it expires?
  • I don’t drive much so do I pay less?
  • Do I need added coverage for expensive stereo equipment?
  • Can my teen drive my company car?
  • Is there coverage for injuries to my pets?
  • Can I rent a car in Mexico?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverage specifics

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This coverage pays to fix your vehicle from 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 protects against things like a tree branch falling on your vehicle, damage from a tornado or hurricane, falling objects and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance

Liability coverage provides protection from damage that occurs to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims such as court costs, repair bills for other people’s vehicles, attorney fees, pain and suffering and bail bonds. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as pain medications, funeral costs, doctor visits, nursing services and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This pays for damage to your E-Series Wagon resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, crashing into a building, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

What is YOUR best insurance company?

You just read many ways to compare 2011 Ford E-Series Wagon insurance rates online. The key thing to remember is the more quotes you get, the better likelihood of getting affordable auto insurance. Drivers may discover the best rates are with an unexpected company.

Insureds switch companies for many reasons like poor customer service, an unsatisfactory settlement offer, being labeled a high risk driver or even delays in responding to claim requests. No matter why you want to switch, switching car insurance companies can be less work than you think.

Some insurance providers may not offer online rate quotes smaller companies provide coverage only through independent insurance agents. Cheap 2011 Ford E-Series Wagon insurance is definitely available online and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

Additional car insurance information can be found at the links below