2009 Ford Econoline Cargo Car Insurance Quotes – 5 Tips to Save

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, you’re not alone.

Since consumers have many companies to choose from, it is very difficult to locate the right insurer.

Compare Quotes for Car Insurance

There are several ways of comparing rates from different insurance companies. By far the easiest way to compare 2009 Ford Econoline Cargo insurance prices consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do separate quote forms for each company. One form compares rates instantly.
  2. A harder way to compare rate quotes consists of going to the website for every company you want to comare and request a quote. For example, we’ll assume you want to compare State Farm, Allstate and Travelers. To find out each rate you need to visit each site and enter your information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The hardest way of comparing rate quotes is driving to different agent offices. Shopping for car insurance online can eliminate the need for a local agent unless you want the professional advice of a local agent. However, consumers can obtain prices from the web and get advice from an agent in your area. We’ll cover that shortly.

It’s up to you which method you use, but double check that you are using apples-to-apples coverages on every quote. If you have different liability limits you can’t possibly decipher which rate is best. Quoting even small variations in coverage limits may result in a large different in cost. It’s important to know that having more price comparisons helps locate the best rates.

Slick advertising tricks that work

Insurance companies such as State Farm and Allstate constantly bombard you with television and radio advertisements. They all seem to make the same claim that you can save if you switch to them. How can each company make the same claim? It’s all in the numbers.

All the different companies can use profiling for the type of customer that is profitable for them. A good example of a preferred risk could be over the age of 50, is a homeowner, and has great credit. Any driver who matches those parameters gets the lowest rates and therefore will save a lot of money.

Consumers who fall outside the “perfect” profile will be quoted a higher premium which leads to business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save that much. That is how companies can truthfully state the savings. This emphasizes why it is so important to get as many quotes as possible. You cannot predict which insurance companies will give you the biggest savings on Ford Econoline Cargo insurance.

Do you qualify for these five discounts?

Companies that sell car insurance do not list every available discount in a way that’s easy to find, so we researched both well-publicized and also the lesser-known insurance savings.

  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
  • Organization Discounts – Participating in a professional or civic organization is a good way to get lower rates when buying insurance on Econoline Cargo insurance.
  • Driver’s Ed – Have your child successfully complete driver’s ed class if it’s offered in school.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, you won’t be that lucky.

For a list of companies with discount insurance rates, click here.

Don’t assume everyone needs the same coverage

When choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight if you may require specific advice.

  • What is PIP insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my personal policy cover me when driving out-of-state?
  • Who is covered when they drive my 2009 Ford Econoline Cargo?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is a fancy paint job covered?
  • What discounts do I qualify for?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Learn about auto insurance coverages for a Ford Econoline Cargo

Having a good grasp of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on the average auto insurance policy.

Liability

Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like emergency aid, structural damage, pain and suffering, legal defense fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Coverage for collisions

Collision insurance pays for damage to your Econoline Cargo caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, colliding with another moving vehicle, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2009 Ford Econoline Cargo.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive auto insurance

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, vandalism, damage from flooding and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like prosthetic devices, ambulance fees, surgery and chiropractic care. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Have the Midas touch

We’ve covered quite a bit of information on how to compare 2009 Ford Econoline Cargo insurance prices online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the most savings is with the smaller companies. They may have significantly lower rates on certain market segments than their larger competitors like Progressive and Geico.

Cost effective insurance can be found both online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

When you buy insurance online, do not buy less coverage just to save a little money. In many instances, someone sacrificed physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

Additional insurance coverage information can be read below: