Lower Your 2014 Ford E-Series Van Insurance Rates

Are you a victim of an underperforming, overpriced auto insurance policy? Trust us when we tell you you’re not alone.

Online insurance companies like State Farm, Progressive and Geico increase brand awareness with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

You should make it a habit to shop coverage around once or twice a year because insurance rates change quite often. Just because you found the best rates for E-Series van insurance a year ago there is a good chance you can find better rates now. There is a lot of bad information regarding auto insurance online, so with this article, you’re going to get some great ideas on how to quit paying high auto insurance rates.

Ford E-Series Van insurance rates are influenced by…

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for car insurance. Knowing what determines base rates helps enable you to make changes that could result in better car insurance rates.

  • Multiple policies with one company can save – Many car insurance companies will give a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to shop around to make sure you are getting the best deal.
  • You might want pay the small claims yourself – Insurance companies give cheaper rates to drivers who do not file claims often. If you tend to file frequent claims, you can definitely plan on higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
  • Your location is important – Being located in a small town can save you money when buying car insurance. Fewer drivers means reduced accidents and a lower car theft rate. Drivers who live in large cities tend to have traffic congestion and longer commutes to work. Longer commute distances means more change of being in an accident.
  • Higher safety ratings means cheaper insurance – Safer cars can get you lower premiums. Safer cars reduce injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If the Ford E-Series Van has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Your car insurance rates can be influenced by your job – Did you know your job can affect your rates? Careers like real estate brokers, architects and dentists tend to pay the highest average rates in part from high stress levels and lengthy work days. Other occupations like pilots, historians and homemakers have the lowest average rates for E-Series van insurance.
  • Women pay lower rates – The statistics show that women are safer drivers than men. However, don’t assume that men are worse drivers. Men and women are in accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like reckless driving and DUI.

Compare the Market for Auto Insurance

Most major insurance companies allow you to get prices online. Getting online quotes is quite simple as you simply enter the coverage amounts you desire as requested by the quote form. When complete, their system automatically retrieves your driving and credit reports and returns a price quote based on many factors. Being able to quote online simplifies rate comparisons, but having to visit different websites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible in order to find the lowest auto insurance rates.

The easy way to compare rates

An easier way to lower your auto insurance bill uses one form that obtains quotes from many companies. This type of form saves time, requires much less work on your part, and makes online shopping much easier. After your information is entered, it is rated and you can choose any of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process can be completed in a matter of minutes and may result in a nice savings.

To quickly find out how much you can save on auto insurance, click here to open in new window and fill out the form. If you currently have coverage, we recommend you copy the coverages as shown on your current policy. This helps ensure you are getting rate quotes based on the exact same insurance coverage.

Discounts can save BIG

Companies offering auto insurance don’t list every discount very well, so we researched some of the more common and also the lesser-known savings tricks you should be using.

  • Government Employees – Simply working for the federal government may qualify you for a discount for E-Series van insurance with select insurance companies.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for E-Series van insurance than less cautious drivers.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • New Car Discount – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Safety Course Discount – Taking part in a defensive driving course can save you 5% or more depending on where you live.

It’s important to understand that some credits don’t apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

To see a list of providers offering insurance coverage discounts, click here to view.

Will just any policy work for me?

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • Do I have coverage if my license is suspended?
  • Am I covered if hit by an uninsured driver?
  • What is an SR-22 filing?
  • Am I covered when driving someone else’s vehicle?
  • How does medical payments coverage work?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What happens if I owe more than my 2014 Ford E-Series Van is worth?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Car insurance coverages for a Ford E-Series Van

Learning about specific coverages of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2014 Ford E-Series Van.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability insurance

Liability coverage will cover damages or injuries you inflict on a person or their property. This insurance protects YOU from claims by other people. It does not 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 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as emergency aid, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills such as X-ray expenses, rehabilitation expenses, ambulance fees and dental work. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, a tree branch falling on your vehicle, theft, damage from getting keyed and a broken windshield. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

This coverage covers damage to your E-Series Van resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, hitting a mailbox, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage on a shoestring budget

Discount 2014 Ford E-Series Van insurance is available from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

In this article, we covered a lot of information how to shop for insurance online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the best prices are with the smaller companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

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