2003 Ford Econoline Wagon Insurance Quotes – 6 Ideas for Cheaper Rates

Searching for cheaper car insurance rates for your Ford Econoline Wagon? I can’t think of a single person who likes paying for car insurance, particularly when the price is too high. Multiple car insurance companies compete to insure your vehicles, so it’s not easy to compare every insurance company to discover the definitive cheapest price

Which Insurance is Cheapest?

There are a variety of methods to compare 2003 Ford Econoline Wagon insurance quotes, but some are easier and takes less work. You could spend the better part of a day talking to agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most car insurance companies participate in an industry program that allows shoppers to send in one quote, and each participating company returns a rated price based on the submitted data. This saves time by eliminating quotation requests to each individual insurance company.

To use this form to compare 2003 Ford Econoline Wagon insurance rates click to open in new window.

The one downside to getting quotes like this is that consumers can’t choose which insurance companies you want to price. If you wish to select specific insurance companies to compare prices, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverage information with every price quote. If the quotes have mixed coverages it’s not possible to make an equal comparison.

Discounts on Ford Econoline Wagon insurance

Companies offering auto insurance don’t list all available discounts in an easy-to-find place, so here is a list both the well known and also the lesser-known auto insurance savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

• Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
• Club Memberships – Affiliation with a professional or civic organization could qualify you for a break on auto insurance on Econoline Wagon coverage.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company could earn a price break for each car.
• Senior Citizens – Mature drivers may receive better auto insurance rates on Econoline Wagon coverage.
• Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Econoline Wagon coverage than their less cautious counterparts.
• Drivers Ed for Students – Require your teen driver to enroll in driver’s education if offered at their school.

Drivers should understand that most credits do not apply to the entire cost. Some only reduce specific coverage prices like comp or med pay. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.

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

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different so this has to be addressed. For example, these questions might point out whether your personal situation would benefit from professional advice.

• What discounts do I qualify for?
• Do I have any recourse if my insurance company denies a claim?
• Do I need replacement cost coverage on my 2003 Ford Econoline Wagon?
• Is my Ford Econoline Wagon covered if I use it for business?
• When should I buy a commercial auto policy?
• Do I need medical payments coverage since I have good health insurance?
• Am I covered if my car is in a flood?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Insurance policy specifics

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Collision insurance

Collision insurance pays for damage to your Econoline Wagon resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, sustaining damage from a pot hole, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Coverage for liability

Liability insurance protects you from damage or injury you incur to other’s property or people. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims like structural damage, legal defense fees, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, theft and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like ambulance fees, X-ray expenses and pain medications. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Econoline Wagon.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.