1999 Ford Econoline Cargo Car Insurance Quotes

Looking for cheaper insurance coverage rates for your Ford Econoline Cargo? Finding cheaper insurance for your Ford Econoline Cargo can be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to buy insurance coverage and we’ll show you the best way to quote coverages for a new or used Ford and find the best price possible either online or from local insurance agents.

You need to shop coverage around periodically due to the fact that insurance rates change quite often. Even if you think you had the best price for Econoline Cargo coverage two years ago a different company probably has better rates today. So forget anything you know (or think you know) about insurance coverage because I’m going to teach you the right way to save money, get proper coverage and the best rates.

Car Insurance Quote Comparison

Getting a lower price on 1999 Ford Econoline Cargo insurance isn’t really that difficult. You just need to take a couple of minutes comparing price quotes provided by online insurance companies. This can be done in several different ways.

  1. The best way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This easy form eliminates the need for multiple quote forms for each company you want a rate for. Completing one form will return price quotes from all major companies. Recommended for those who want to invest the least amount of time.
  2. A slightly less efficient method to obtain and compare quotes online is to manually visit each company’s website and complete a new quote form. For sake of this example, we’ll assume you want rates from Auto-Owners, Allstate and Liberty Mutual. To find out each rate you need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

Whichever method you choose, double check that you are using the exact same coverage information with each company. If your comparisons have differing limits it will be very difficult to truly determine the lowest rate.

Policy discounts you shouldn’t miss

Auto insurance companies do not list every discount very well, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Homeowners Savings – Simply owning a home can help you save on insurance because maintaining a house is proof that your finances are in order.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Accident Free – Drivers who don’t have accidents pay less compared to bad drivers.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance policy can get a discount on all vehicles.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

Insurance companies who might offer these benefits are:

Before buying, ask each insurance company how you can save money. Savings might not be offered in your state.

Insurance agents can help

When buying coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For instance, these questions could help you determine if your situation will benefit from professional help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Is pleasure use cheaper than using my 1999 Ford Econoline Cargo to commute?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How do I buy GAP insurance?
  • Is upholstery damage covered by car insurance?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Auto insurance coverages explained

Knowing the specifics of a auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills such as rehabilitation expenses, funeral costs, surgery and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1999 Ford Econoline Cargo.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, a broken windshield, fire damage and falling objects. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage – Liability coverage will cover injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, 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 such as repair bills for other people’s vehicles, pain and suffering, medical expenses and bail bonds. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.