2013 Ford E-Series Van Car Insurance Rates – 6 Ways to Save

Saving money on insurance coverage is a challenge for drivers new to buying insurance online. There are so many choices that it can easily turn into a ton of work to find more affordable prices.

It’s a good habit to compare premium rates yearly because prices are adjusted regularly by insurance companies. Just because you found the best deal on E-Series van coverage at your last renewal you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to learn one of the easiest ways to eliminate unnecessary coverages and save money.

Affordable auto insurance

Most larger insurance companies such as 21st Century, Allstate and State Farm give pricing direct online. Comparing prices online is easy for anyone because you just enter your required coverages as detailed in the form. When the form is submitted, the quote system automatically retrieves your driving record and credit report and returns a price quote based on the data you entered.

Online price quotes makes comparing rates easy, but having to visit multiple sites and fill out multiple forms gets old quite quickly. But it’s very important to compare as many rates as possible in order to find better auto insurance pricing.

The easiest way to compare auto insurance pricing requires only one form to obtain quotes from several companies at one time. This type of form saves time, requires less work, and makes online shopping much more efficient. After sending your information, your coverage is rated and you are able to buy your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The entire process takes 15 minutes at the most and can result in significant savings.

If you want to get comparison pricing now, click here and submit your coverage information. If you have coverage now, it’s recommended you duplicate the insurance coverages exactly as they are listed on your policy. This helps ensure you’re receiving a fair comparison for exact coverage.

Use discounts to get cheaper auto insurance quotes

Some insurance providers don’t list all possible discounts in a way that’s easy to find, so we took the time to find a few of the more well known and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

  • Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote auto insurance on E-Series van coverage depending on your company.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
  • Driver Safety – Taking part in a safe driver class can save you 5% or more and also improve your driving technique.
  • More Vehicles More Savings – Purchasing coverage when you have multiple vehicles on a single policy can reduce rates for all insured vehicles.
  • Telematics Discount – Drivers who elect to allow data collection to analyze driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they exhibit good driving behavior.
  • Renewal Discounts – Some larger companies provide a discount for switching policies before your current coverage expires. It’s a savings of about 10%.

Don’t be surprised that some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

Larger auto insurance companies and some of the discounts include:

  • GEICO has discounts for anti-lock brakes, multi-policy, military active duty, five-year accident-free, and daytime running lights.
  • Mercury Insurance offers discounts for accident-free, location of vehicle, age of vehicle, annual mileage, and multi-car.
  • Farmers Insurance has savings for pay in full, alternative fuel, bundle discounts, homeowner, good student, business and professional, and mature driver.
  • Auto-Owners Insurance may have discounts that include mature driver, paperless, safe driver, teen driver, multiple vehicles, and anti-theft.
  • Liberty Mutual includes discounts for multi-policy, multi-car, preferred payment discount, teen driver discount, new vehicle discount, newly married, and hybrid vehicle.
  • SAFECO discounts include teen safety rewards, drive less, anti-theft, multi-car, and accident prevention training.
  • Progressive may offer discounts for online signing, good student, homeowner, multi-vehicle, online quote discount, continuous coverage, and multi-policy.
  • USAA may include discounts for vehicle storage, loyalty savings, annual mileage, good student, and military installation.

Before buying, ask all the companies how many discounts you can get. Some discounts may not apply to policies in your area. To view auto insurance companies that can offer you the previously mentioned discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

For instance, these questions might help in determining if you might need an agent’s assistance.

  • How do I buy GAP insurance?
  • Does having multiple vehicles earn me a discount?
  • Will I lose any money if I cancel my policy before it expires?
  • Does medical payments coverage apply to all occupants?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is UM/UIM insurance?
  • Are rental cars covered under my policy?
  • What is high-risk coverage and where do I buy it?
  • Is my custom paint covered by insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance coverages

Knowing the specifics of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability – This provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as repair bills for other people’s vehicles, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Collision coverage – Collision coverage covers damage to your E-Series Van from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford E-Series Van.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for bills for things like prosthetic devices, rehabilitation expenses, nursing services, surgery and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, vandalism, rock chips in glass, damage from a tornado or hurricane and hitting a deer. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Money doesn’t grow on trees

Drivers change insurance companies for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, lack of trust in their agent and even unfair underwriting practices. Regardless of your reason for switching companies, switching auto insurance companies is easier than you think.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. In many instances, someone sacrificed liability limits or collision coverage only to regret they didn’t have enough coverage. Your strategy should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

More affordable auto insurance can be found both online as well as from insurance agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. A few companies may not have internet price quotes and usually these small, regional companies only sell coverage through local independent agents.

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