Save on 2012 Ford E-Series Van Car Insurance Cost

Are you a victim of an overpriced auto insurance policy? Believe me, you’re not the only one. Because you have many options, it can be diffult for consumers to choose the cheapest provider.

It’s a good habit to take a look at other company’s rates quite often because prices go up and down regularly. Just because you had the best rates for E-Series van insurance a couple years back a different company probably has better rates today. You can find a lot of misleading information regarding auto insurance online, so with this article, you’re going to get some proven techniques to find affordable auto insurance.

How to Compare Insurance Coverage Quotes

Comparing insurance coverage rates can be challenging if you don’t understand the most efficient way. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could use online quoting to get rates in a matter of minutes.

Many companies belong to a marketplace where insurance shoppers enter their coverage request one time, and at least one company returns a rated price based on that information. This eliminates the need for repetitive form submissions to each individual insurance coverage company.

To find out how much you’re overpaying now click here to start a free quote.

One minor caviat to doing it this way is buyers cannot specifically choose which companies you will receive quotes from. So if you prefer to choose individual companies to request quotes from, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

However you get your quotes, double check that you are using exactly the same information on every quote. If you use unequal deductibles or liability limits you can’t possibly make a fair comparison for your Ford E-Series Van.

Pay less for 2012 Ford E-Series Van insurance

Companies don’t always publicize every available discount very well, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If you don’t get every credit available, you are throwing money away.

Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
Life Insurance – Some companies give a break if you buy life insurance.
Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
Seat Belts Save – Requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.

Keep in mind that some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

For a list of insurance companies with the best auto insurance discounts, click here.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help highlight if your situation may require specific advice.

Should I sign the liability waiver when renting a car?
How do I insure my teen driver?
Do I need an umbrella policy?
What is an SR-22 filing?
Is business property covered if stolen from my car?
Do I have coverage when using my vehicle for my home business?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage specifics

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average auto insurance policy.

Auto collision coverage

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

Collision can pay for things like crashing into a ditch, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. It does not 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 policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as repair costs for stationary objects, structural damage, medical services, funeral expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, hail damage, a tree branch falling on your vehicle and vandalism. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2012 Ford E-Series Van.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses for things like EMT expenses, doctor visits and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage