View 2013 Ford E-Series Wagon Insurance Cost

Looking for cheaper car insurance rates for your Ford E-Series Wagon? Nobody likes having to buy car insurance, particularly when their premiums are too high. Big companies like Geico, Progressive and Allstate promote their brand names with catchy ads and consumers find it hard to separate fact from fiction and find the best price available.

If you have a policy now or are just looking to switch companies, you can follow these tips to reduce the price you pay while maximizing coverage. Choosing the best insurance company for you is not rocket science. Consumers just need to learn the most effective way to compare rates on the web.

Where Can I Get Cheap Car Insurance?

Getting better 2013 Ford E-Series Wagon car insurance pricing can be relatively painless. All that’s required is to invest a few minutes comparing rate quotes provided by online insurance companies. This can be done in a couple of different ways.

The recommended way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do multiple quote forms for each company you want a rate for. One form will get you price quotes direct from many companies.

A harder way to shop for car insurance online consists of going to each individual company website and complete a new quote form. For example, we’ll pretend you want to compare State Farm, Progressive and GMAC. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.

The least efficient way to compare rates is to waste gas driving to and from local insurance agencies. The internet eliminates the need for an insurance agent unless you require the personal advice of a local agent. It is possible to compare online quotes but buy from a local insurance agent and you’ll learn how to do that later.

Which method you use is up to you, but make absolute certain that you use identical coverage limits with every price quote. If you have different liability limits it’s not possible to determine the lowest rate for your Ford E-Series Wagon.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help offset the cost. Certain discounts will be triggered automatically at quote time, but less common discounts must be requested specifically in order for you to get them. If you don’t get every credit available, you’re paying more than you need to.

  • Sign Online – Some insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
  • No Claims – Claim-free drivers can save substantially as compared to drivers who are more careless.
  • Homeowners Savings – Owning a house can save you money due to the fact that maintaining a home shows financial diligence.
  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount on your policy for E-Series Wagon coverage.
  • Multiple Vehicles – Having multiple vehicles with the same company could earn a price break for each car.

Consumers should know that some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous. Any amount of discount will cut the cost of coverage.

For a list of companies offering insurance discounts, click here to view.

Tailor your coverage to you

When choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

  • When can my company non-renew my policy?
  • Does car insurance cover theft of personal property?
  • Where can I find DUI or SR-22 insurance?
  • Does medical payments coverage apply to all occupants?
  • What is the difference between comprehensive and collision coverage?
  • Why is insurance for a teen driver so high?
  • Should I put collision coverage on all my vehicles?
  • What if I don’t agree with a claim settlement offer?
  • What is medical payments coverage?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Ford E-Series Wagon rates are complex

Consumers need to have an understanding of the factors that help determine the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

The following are a partial list of the pieces auto insurance companies consider when setting prices.

  • Clean credit earns discounts – Your credit score is a large factor in determining what you pay for auto insurance. Therefore, if your credit score is lower than you’d like, you could be paying less to insure your 2013 Ford E-Series Wagon by repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • Where you live is a factor – Living in small towns and rural areas is a positive aspect when it comes to auto insurance. City drivers regularly have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents.
  • Safer cars cost less to insure – Safer cars tend to have better insurance rates. These vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If the Ford E-Series Wagon is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Marriage brings a discount – Having a wife or husband helps lower the price on auto insurance. Having a significant other is viewed as being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Do you qualify for a multi-policy discount? – The majority of insurers provide better rates to customers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even though this discount sounds good, you still need to comparison shop to make sure you are getting the best deal.
  • Rate your vehicle for proper use – The more miles you rack up on your Ford in a year’s time the higher your rates will be. The majority of insurers charge to insure your cars based on how the vehicle is used. Cars not used for work or commuting qualify for better rates than those used for commuting. Having the wrong rating on your E-Series Wagon may be costing you. Ask your agent if your auto insurance policy is showing how each vehicle is driven.
  • Protect yourself with liability coverage – Liability insurance will protect you if you are found to be at fault for personal injury or accident damage. It will provide you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.

Do drivers who switch really save $399 a year?

Drivers get pounded daily by advertisements that promise big savings from the likes of State Farm, Geico and Progressive. They all seem to say the same thing that you’ll save big if you change your coverage to them.

How does each company say the same thing? It’s all in the numbers.

Different companies have a preferred profile for the right customer that is profitable for them. A good example of a profitable customer could be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who fall outside this ideal profile will be quoted more money and this can result in the customer not buying. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much. That’s why companies can truthfully make those claims.

This emphasizes why you absolutely need to quote coverage with many companies. You cannot predict which insurance companies will have the lowest Ford E-Series Wagon insurance rates.

Car insurance policy specifics

Knowing the specifics of a car insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford E-Series Wagon.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as ambulance fees, nursing services and dental work. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

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

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from a tornado or hurricane, theft and vandalism. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Cheaper insurance is a realistic goal

You just learned many ideas to shop for 2013 Ford E-Series Wagon insurance online. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with a smaller regional carrier. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as Geico and State Farm.

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. There are too many instances where an insured cut physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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