How Much Does 2011 Ford E-Series Wagon Insurance Cost?

I can’t think of a single person who likes paying for car insurance, particularly when the cost is too high. You have so many insurance companies to pick from, and even though it’s nice to have a selection, having more auto insurance companies makes it harder to find a good deal.

Auto Insurance Prices

Finding a lower price on 2011 Ford E-Series Wagon insurance doesn’t have to be difficult. The only thing you need to do is invest a little time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

The most efficient way to find low rates would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating a different quote for every auto insurance company. A single, simple form will return price quotes from multiple companies.

Another way to find lower rates is to take the time to go to the website for each individual company and request a quote. For sake of this example, let’s say you want rates from Liberty Mutual, Progressive and American Family. To get each rate you have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make absolute certain that you use exactly the same coverage limits and deductibles on every quote. If your comparisons have different liability limits it will be next to impossible to determine which rate is truly the best.

Can you really save $463 a year?

Drivers can’t ignore all the ads for cheaper car insurance by companies like 21st Century, Allstate and State Farm. They all seem to make an identical promise that you’ll save big after switching to them.

How can each company say the same thing? This is how they do it.

All companies have a certain “appetite” for the driver that earns them a profit. An example of a desirable insured might be between the ages of 40 and 55, owns a home, and has excellent credit. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save when they switch companies.

Drivers who don’t meet the “perfect” profile will have to pay a more expensive rate which leads to the customer not buying. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That’s the way companies can truthfully make those claims.

Because of the profiling, it is so important to compare as many rates as you can. Because you never know the company that will give you the biggest savings on Ford E-Series Wagon insurance.

Don’t miss these discounts

The price of auto insurance can be rather high, but you may find discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be asked for prior to getting the savings. If they aren’t giving you every credit available, you’re paying more than you need to.

  • One Accident Forgiven – A few companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Driver Safety – Completing a driver safety course could save 5% or more if you qualify.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Clubs and Organizations – Being a member of a professional or civic organization is a good way to get lower rates on your policy for E-Series Wagon insurance.
  • Student in College – Children who live away from home and don’t have a car can be insured at a reduced rate.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared to accident-prone drivers.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course if it’s offered in school.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.

Consumers should know that some credits don’t apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

To see a list of companies who offer auto insurance discounts, click here to view.

When might I need help?

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help highlight whether you would benefit from professional advice.

  • Do I need medical payments coverage since I have good health insurance?
  • How many claims can I have before being cancelled?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is upholstery damage covered by car insurance?
  • When does my teenage driver need to be added to my policy?
  • Are rock chip repairs covered?
  • Which is better, split liability limits or combined limits?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your auto insurance policy

Learning about specific coverages of auto insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the usual coverages available from auto insurance companies.

Collision coverage

Collision insurance will pay to fix damage to your E-Series Wagon from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, hail damage 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.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like structural damage, funeral expenses, loss of income and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for rehabilitation expenses, doctor visits and surgery. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Save your hard earned cash

We just covered many tips how you can reduce 2011 Ford E-Series Wagon insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with a small local company. Regional companies can often provide lower rates in certain areas compared to the large companies like State Farm and Allstate.

Cheap insurance is possible on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

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