2014 Ford E-Series Van Insurance Quotes

Trying to find the cheapest auto insurance rates for your Ford E-Series Van? Have you had enough of paying out the nose to pay auto insurance each month? You are no different than millions of other consumers. Insurance companies such as Progressive, State Farm and GEICO continually bombard you with TV and radio ads and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

If you have a policy now or are shopping for new coverage, you can learn to cut your premiums while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners just need to know the proper way to compare prices over the internet.

Insurance coverage companies offer many discounts

Companies don’t always publicize every discount they offer in a way that’s easy to find, so we took the time to find a few of the more common and also the lesser-known credits available to you.

  • Pay Early and Save – By making one initial payment instead of monthly or quarterly installments you could save 5% or more.
  • Active Service Discounts – Having a deployed family member could qualify you for better premium rates.
  • Driver’s Ed – Require your teen driver to participate in a local driver’s education class in school.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions so you can save 10 percent or more.
  • Telematics Data Discounts – Insureds that choose to allow companies to look at where and when they drive remotely such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as they are good drivers.
  • Professional Organizations – Belonging to a qualifying organization could trigger savings when getting a insurance coverage quote.
  • Discounts for Responsible Drivers – Drivers who avoid accidents can save as much as half off their rates on E-Series van insurance compared to rates paid by drivers with frequent claims.
  • Multi-line Discount – Insurance coverage companies who offer life insurance give a small discount if you purchase auto and life insurance together.
  • Driver Safety – Taking time to complete a driver safety class can save you 5% or more and easily pay for the cost of the class.
  • Buy New and Save – Buying a new car model can get you a discount since new vehicles are generally safer.

Discounts lower rates, but most credits do not apply to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, nobody gets a free ride.

The best insurance coverage companies and a partial list of their discounts are outlined below.

  • AAA policyholders can earn discounts including anti-theft, pay-in-full, good driver, good student, and multi-policy.
  • Progressive has savings for multi-policy, good student, multi-vehicle, homeowner, online quote discount, continuous coverage, and online signing.
  • State Farm may offer discounts for anti-theft, accident-free, passive restraint, multiple autos, good student, and Drive Safe & Save.
  • Esurance offers premium reductions for homeowner, Switch & Save, anti-theft, online shopper, good student, safety device, and DriveSense.
  • Nationwide may have discounts that include family plan, anti-theft, Farm Bureau membership, easy pay, and good student.

Check with all companies you are considering how many discounts you can get. Some of the discounts discussed earlier might not be offered in your area.

Do I just need basic coverages?

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • Can I afford to pay high deductible claims out of pocket?
  • Does coverage extend to Mexico or Canada?
  • Do I need medical payments coverage since I have good health insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • When do I need to add a new car to my policy?
  • Should I have a commercial auto policy?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t escape the ads that promise big savings for switching by State Farm, GEICO and Progressive. All the companies advertise claims that drivers will save a bundle if you move your insurance coverage to their company.

It sounds good, but how can they all lower your prices? This is the way they can do it.

Companies give the best rates for a prospective insured that will most likely be profitable. For instance, this type of insured may need to be married and over the age of 30, has no claims, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters will get very good prices and most likely will save some money.

Insureds who do not match the “perfect” profile will be charged higher prices and ends up with the customer not purchasing. The wording the ads use say “people who switch” not “all people who quote” can save as much as they claim. That’s why companies can truthfully make the claims of big savings. Because of these techniques, it is so important to get insurance coverage quotes from several different companies. It is impossible to predict with any certainty which company will have the best rates.

Auto insurance coverage information

Understanding the coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision coverage protection

This coverage will pay to fix damage to your E-Series Van caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like colliding with a tree, sustaining damage from a pot hole, scraping a guard rail, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like EMT expenses, hospital visits, prosthetic devices and pain medications. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage can cover damage that occurs to other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as bail bonds, attorney fees and court costs. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, damage from flooding, damage from a tornado or hurricane and hail damage. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Have money to burn

We just covered some good ideas how to save on 2014 Ford E-Series Van insurance. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best car insurance rates are with a smaller regional carrier. These smaller insurers may have significantly lower premium rates on certain market segments than the large multi-state companies such as Progressive or GEICO.

When searching for low cost insurance coverage quotes, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at the best price, but do not skimp to save money.

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