Cheaper 1999 Ford Econoline Wagon Insurance Quotes

Paying for high-priced Ford Econoline Wagon insurance can overdraw your personal savings and put a big crunch on your finances. Comparing price quotes is a smart way to lower your monthly bill.

Insurance companies such as State Farm, Progressive and Geico continually hit you with ad campaigns and it is difficult to see through the deception and do the work needed to find the best deal.

Take advantage of discounts

Insuring your vehicles can cost a lot, but there could be available discounts to help offset the cost. A few discounts will automatically apply at quote time, but less common discounts must be requested specifically before being credited.

  • Paperless Signup – A handful of insurance companies give back up to $50 for buying your policy over the internet.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same car insurance policy qualifies for this discount.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Memberships – Affiliation with a qualifying organization is a good way to get lower rates when shopping for car insurance on Econoline Wagon insurance.

It’s important to understand that many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free car insurance policy, car insurance companies aren’t that generous. Any qualifying discounts will reduce the amount you have to pay.

To see a list of insurers who offer car insurance discounts, click here.

Why your Ford Econoline Wagon might be costing you more

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in big savings.

  • Your spouse saves you money – Being married helps lower the price on auto insurance. Having a spouse usually means you are more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • Drive less and save money – The more you drive every year the higher your rate. The majority of insurers charge to insure your cars determined by how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your auto insurance policy is showing the correct driver usage, because it can save money. If your policy improperly rates your Econoline Wagon can result in significantly higher rates.
  • Always keep insurance in force – Having an insurance coverage lapse is a fast way to increase your auto insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.
  • Do men or women drive better? – The statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men are in accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
  • Rates may be higher depending on your occupation – Jobs such as judges, executives and dentists tend to pay the highest average rates because of high stress levels and long work days. Other jobs such as scientists, historians and the unemployed have the lowest average rates on Econoline Wagon insurance.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Do you know you’re credit rating? – A driver’s credit score is a large factor in determining what you pay for auto insurance. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores. So if your credit history is low, you could pay less to insure your 1999 Ford Econoline Wagon by spending a little time repairing your credit.

How to know if you need help

When it comes to buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique so your insurance needs to address that. These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered by my spouse’s policy after a separation?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does insurance cover tools stolen from my truck?
  • Should I buy additional glass protection?
  • Can I get a multi-policy discount?
  • Do I need added coverage for expensive stereo equipment?
  • How does medical payments coverage work?
  • Which companies will insure high-risk drivers?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverage information

Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most insurance policies.

Collision insurance

Collision insurance will pay to fix damage to your Econoline Wagon resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like crashing into a building, backing into a parked car, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Ford Econoline Wagon.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, falling objects and hitting a bird. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance

Liability insurance can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical expenses, bail bonds and funeral expenses. How much coverage you buy is up to you, but you should buy higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses such as funeral costs, EMT expenses, X-ray expenses, chiropractic care and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Feed the piggy bank

We just covered many tips how you can save on 1999 Ford Econoline Wagon insurance. It’s most important to understand that the more you quote, the higher the chance of saving money. Drivers may discover the most savings is with an unexpected company. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

Budget-conscious insurance is possible both online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you restructure your insurance plan, do not skimp on coverage in order to save money. There have been many cases where someone sacrificed liability coverage limits to discover at claim time they didn’t have enough coverage. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.

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