2014 Ford E-Series Wagon Insurance Quotes

Expensive insurance can drain your bank account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Having so many insurance companies to choose from, it is hard for the average consumer to choose the lowest cost provider.

Finding affordable coverage is not rocket science. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Vehicle owners only need to know the best way to shop their coverage around online.

Don’t miss out on these money-saving discounts

Auto insurance companies don’t always advertise all their discounts in a way that’s easy to find, so here is a list both the well known and the harder-to-find insurance coverage savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Homeowners Savings – Owning a house may earn you a small savings because of the fact that having a home shows financial diligence.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on E-Series Wagon coverage than their less cautious counterparts.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you will save 10% to 20% off each policy.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.

For a list of providers who offer insurance coverage discounts, click here to view.

Finding Auto Insurance Deals

There are several ways to compare Ford E-Series Wagon auto insurance prices but some are easier and takes less work. You can waste a few hours (or days) driving to insurance agencies in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Most of the best insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and at least one company returns a rated price. This system prevents you from having to do quote requests to every company.

To get comparison pricing now click to open in new window.

The one downside to comparing rates this way is you can’t choose which insurance companies to receive prices from. So if you prefer to pick specific providers to compare prices, we put together a list of auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make absolute certain that you use identical deductibles and coverage limits with every price quote. If the quotes have different liability limits it’s impossible to determine the lowest rate for your Ford E-Series Wagon.

What determines your Ford E-Series Wagon insurance premium

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that can help you get big savings.

The list below includes some of the items that factor into your rates.

  • Don’t get talked into coverage you don’t need – There are quite a few additional coverages that you can buy when buying auto insurance. Things like roadside assistance, towing coverage and term life insurance may be costing you every month. They may seem like a good idea at first, but if they’re wasting money remove them from your policy.
  • Discounts for multiple policies – The majority of insurance companies give discounts to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even though this discount sounds good, you still need to comparison shop to confirm you are receiving the best rates possible.
  • Traffic violations increase rates – Your driving citation history has a huge affect on how much you pay. Just one speeding ticket may increase your cost twenty percent or more. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous citations such as hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. The safest vehicles reduce injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Ford has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Do I need special coverages?

When buying coverage, there really is not a “perfect” insurance plan. Every situation is 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.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is upholstery damage covered by car insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need motorclub coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • If my pet gets injured in an accident are they covered?
  • Should I buy only the required minimum liability coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does my 2014 Ford E-Series Wagon need full coverage?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Beware of misleading insurance ads

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Allstate, Geico and Progressive. They all have a common claim that you can save if you move to them.

But how can every company claim to save you money?

Different companies can use profiling for the type of customer that is profitable for them. An example of a desirable insured could possibly be a mature driver, a clean driving record, and drives newer vehicles. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don’t meet the “perfect” profile will be charged a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “people who quote” save that kind of money. This is how insurance companies can advertise the savings. That is why drivers should get as many quotes as possible. It’s just too difficult to predict the company that will have the lowest Ford E-Series Wagon insurance rates.

Insurance coverage breakdown

Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford E-Series Wagon.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision – This covers damage to your E-Series Wagon caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, damaging your car on a curb, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability insurance – Liability coverage can cover damages or injuries you inflict on a person or their property. It protects you against claims from 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 translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as court costs, emergency aid, attorney fees and medical services. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like pain medications, rehabilitation expenses and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

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

Comprehensive coverage protects against claims like fire damage, rock chips in glass, damage from a tornado or hurricane and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

In conclusion

You just learned quite a bit of information on how to reduce 2014 Ford E-Series Wagon insurance prices online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may even discover the biggest savings come from an unexpected company. Regional companies often have lower prices on specific markets than their larger competitors like State Farm, Geico and Nationwide.

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

For more information, link through to the articles below: