2010 Ford E-Series Van Car Insurance Quotes – 10 Policy Discounts

Are you sick and tired of trying to scrape together enough money to pay your car insurance bill each month? Your situation is no different than many other drivers. With consumers having so many insurance companies to choose from, it is hard for the average consumer to locate the lowest cost insurer.

Buying car insurance is easy if you know what you’re doing. If you currently have car insurance, you should be able to lower your premiums substantially using these methods. Consumers just need to understand the proper methods to get comparison rates online.

Finding Car Insurance

All the larger car insurance companies allow you to get price estimates on their websites. Obtaining pricing doesn’t take much effort as you simply enter the amount of coverage you want as detailed in the form. After you submit the form the system will obtain reports for credit and driving violations and quotes a price. Being able to quote online makes it a lot easier to compare rates but the work required to visit several different sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible in order to get the lowest car insurance rates.

A more efficient way to compare rates requires only one form that gets prices from many companies. It’s a real time-saver, eliminates form submissions, and makes quoting online much more enjoyable. Immediately after you send the form, it is rated and you can select any or none of the pricing results. If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To find out how much you can save on car insurance, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you replicate deductibles and limits just like they are on your policy. This guarantees you will get rate quotes based on similar coverages.

Lower rates by qualifying for these ten discounts

Companies don’t always advertise all their discounts very well, so we break down some of the best known and the harder-to-find insurance coverage savings. If you don’t get every credit available, you’re paying more than you need to.

  • Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
  • Sign Early and Save – Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Being a homeowner can save you money because owning a home demonstrates responsibility.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Paperless Signup – Some insurance companies give back up to $50 for buying your policy over the internet.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Distant Student – Kids in college living away from home attending college and do not have a car can receive lower rates.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on E-Series van coverage than their less cautious counterparts.

Consumers should know that some credits don’t apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

Companies that may have these money-saving discounts are:

Double check with all companies you are considering how you can save money. All car insurance discounts may not be available everywhere.

Car insurance is unique, just like you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover if your situation might need an agent’s assistance.

  • Does my car insurance cover rental cars?
  • Does my policy cover my teen driver if they drive my company car?
  • How do I insure my teen driver?
  • Does having multiple vehicles earn me a discount?
  • What exactly is covered by my policy?
  • When should I remove comp and collision on my 2010 Ford E-Series Van?
  • Is my custom paint covered by insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Specific coverage details

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Collision – Collision coverage will pay to fix damage to your E-Series Van resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Insurance for medical payments – Med pay and PIP coverage reimburse you for immediate expenses like dental work, pain medications, prosthetic devices, surgery and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2010 Ford E-Series Van.

Since 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 is a good idea.

Liability coverages – Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as legal defense fees, emergency aid, pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, fire damage, hitting a bird and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.