2013 Ford E-Series Van Car Insurance Rates – 10 Savings Tips

Want cheaper auto insurance rates for your Ford E-Series Van? Nobody I know likes paying for auto insurance, particularly when their premiums are too high.

Because you have many different company options, it’s difficult to find the best insurance company.

Policy discounts you shouldn’t miss

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Most are applied at the time of quoting, but lesser-known reductions have to be asked for before you will receive the discount.

Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
Accident Forgiveness – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
Safety Course Discount – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
Clubs and Organizations – Being a member of a professional or civic organization is a good way to get lower rates when shopping for car insurance on E-Series van insurance.
Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
More Vehicles More Savings – Having multiple cars or trucks with the same company could earn a price break for each car.
Drive Less and Save – Low mileage vehicles can earn better rates on cars that stay parked.
Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on E-Series van insurance than their less cautious counterparts.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky. But any discount will reduce the amount you have to pay.

Insurance companies that possibly offer these benefits include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Discounts may not be available in your area.

Don’t listen to company ads

Insurance companies such as State Farm and Allstate constantly bombard you with ads on TV and radio. They all seem to make the same claim that you’ll save big if you switch your policy. But how can every company make almost identical claims? It’s all in the numbers.

Insurance companies have a certain “appetite” for the driver that is profitable for them. A good example of a preferred risk might be profiled as between the ages of 40 and 55, is a homeowner, and has excellent credit. A driver who matches those parameters gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who are not a match for the “perfect” profile will have to pay a higher premium and ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “people who quote” save money. That is how companies can advertise the savings.

Because of the profiling, you should quote coverage with many companies. It is impossible to predict which company will provide you with the cheapest Ford E-Series Van insurance rates.

Insurance agents can help

When it comes to choosing coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

Do I have coverage when making deliveries for my home business?
Is my babysitter covered when using my vehicle?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered if I wreck a rental car?
Does insurance cover damages from a DUI accident?
Do I need added coverage for expensive stereo equipment?
Should I buy more coverage than the required minimum liability coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance policy coverages for a Ford E-Series Van

Understanding the coverages of a car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by car insurance companies.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, hitting a bird and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

Liability insurance protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims, 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. As an example, you may have limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical services, attorney fees, structural damage, funeral expenses and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like hospital visits, dental work, chiropractic care and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford E-Series Van.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision protection

This coverage pays for damage to your E-Series Van resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, colliding with a tree, hitting a parking meter, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Knowledge is power

As you shop your coverage around, you should never buy less coverage just to save a little money. In many instances, an insured cut comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Cheap 2013 Ford E-Series Van insurance is available both online in addition to many insurance agents, so compare prices from both to have the best rate selection. Some companies do not provide the ability to get a quote online and these smaller companies work with independent agents.