Lower Your 2002 Ford Econoline Wagon Car Insurance Quotes

Drivers have many options when trying to find the lowest priced Ford Econoline Wagon insurance. They can either spend hours contacting agents trying to get quotes or utilize the internet to get rate quotes. There is a right way and a wrong way to compare car insurance rates and you need to know the quickest way to get price quotes for a Ford and obtain the lowest price.

Finding affordable coverage is not rocket science. If you currently have car insurance, you will most likely be able to reduce your rates substantially using this information. Drivers just need to understand the most efficient way to find the lowest price over the internet.

Insurance coverage quotes comparison

Getting a cheaper price on 2002 Ford Econoline Wagon insurance doesn’t have to be difficult. The only thing you need to do is take time to compare rate quotes to discover which company has cheap car insurance quotes. Comparing prices online can be done using one of these methods.

1. Without a doubt, the easiest way to get the best comparison quotes is a comparison rater form (click to open form in new window). This type of form saves time by eliminating multiple quote forms for every prospective company. One simple form will get you price quotes from multiple low-cost companies. Just one form and you’re done.
2. A different way to analyze rates requires a trip to each company website and request a quote. For example, let’s assume you are doing a rate comparison from USAA, Geico and Progressive. You would need to go to each individual site to enter your coverage information, which is why most consumers use the first method.

   For a list of links to insurance companies in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure you’re using identical coverage information for every company. If you have different deductibles it will be next to impossible to determine the lowest rate for your Ford Econoline Wagon.

Why your insurance premiums might be higher

Multiple criteria are used when quoting car insurance. Some are pretty understandable like your driving record, but other criteria are not quite as obvious like where you live or your vehicle rating.

• Premiums are affected by your credit score – Having a bad credit score is likely to be a major factor in calculating your car insurance rates. If your credit history leaves room for improvement, you could be paying less to insure your 2002 Ford Econoline Wagon if you clean up your credit. Drivers with very high credit ratings tend to be better drivers and file fewer claims than drivers who have bad credit.
• Liability insurance is important – Your policy’s liability coverage will provide protection if you are determined to be liable for personal injury or accident damage. It provides for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive when compared with rates for comp and collision, so do not cut corners here.
• Raise deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, protects your Ford from damage. Some examples of covered claims would be a broken side mirror, vandalism, and damage caused by flying debris. The deductibles you choose define how much the insured will be required to pay in the event of a claim. The more you pay before a claim is paid (deductible), the less your car insurance will be for Econoline Wagon insurance.
• Older drivers pay less – Teen drivers are statistically proven to be less responsible when driving with friends so car insurance rates are higher. Having to add a youthful driver onto your car insurance can break the bank. More experienced drivers are more cautious drivers, cause fewer claims and accidents and receive fewer citations.
• Costs and your address – Living in small towns and rural areas has it’s advantages when insuring your vehicles. Drivers who live in large cities tend to have more auto accidents and more severe claims. Fewer drivers on the road means fewer accidents and a lower car theft rate.
• You may save more by consolidating policies – Many insurance companies give a discount to customers that have more than one policy, otherwise known as a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even though this discount sounds good, it’s still a good idea to get quotes from other companies to help guarantee you have the best rates.
• Save by driving less – The higher the mileage driven every year the more you’ll pay to insure it. A lot of insurance companies calculate rates based on their usage. Vehicles used primarily for pleasure use can be on a lower rate level than cars that get driven a lot. An improperly rated Econoline Wagon may be wasting your money. It’s a smart idea to ensure your vehicle rating is rated on annual mileage.
• Small coverages can add up – Policies have additional coverages that you can buy when buying car insurance. Coverages for rental car coverage, high-cost glass coverage, and term life insurance are probably not needed. These may sound like a good investment when buying your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.

Save with these discounts

Auto insurance is not cheap nor is it fun to buy but you may qualify for discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time of quoting, but some must be asked about in order for you to get them. If you’re not getting every credit possible, you could be getting lower rates.

• Home Ownership Discount – Being a homeowner can save you money since owning and maintaining a home is proof of financial responsibility.
• Paperwork-free – A few larger online companies may give you up to $50 get car insurance on their website.
• Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and will save you 10% or more.
• Employee of Federal Government – Having worked for a branch of the government may reduce rates when you quote car insurance for Econoline Wagon insurance with certain companies.
• Service Members Pay Less – Having an actively deployed family member could mean lower premium rates.
• Telematics Devices – Policyholders that allow driving data submission to track driving manner by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they are good drivers.

Remember that most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it’s just not the way it works. Any amount of discount will cut the amount you have to pay.

Large auto insurance companies and some of the premium reductions they offer are included below.

• Progressive policyholders can earn discounts including continuous coverage, online quote discount, homeowner, multi-policy, good student, online signing, and multi-vehicle.
• MetLife may offer discounts for good driver, good student, accident-free, multi-policy, and claim-free.
• Mercury Insurance may include discounts for multi-policy, good student, professional/association, good driver, and ease of repair.
• Nationwide offers discounts including good student, accident-free, Farm Bureau membership, business or organization, and multi-policy.
• Geico offers premium reductions for multi-vehicle, anti-theft, seat belt use, good student, daytime running lights, and emergency military deployment.
• AAA discounts include pay-in-full, AAA membership discount, multi-policy, good student, anti-theft, multi-car, and education and occupation.

When quoting, ask every company what discounts are available to you. Some credits might not apply in your area.

Special considerations

When it comes to buying the best insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions could help you determine if your insurance needs may require specific advice.

• Am I covered if hit by an uninsured driver?
• Am I covered when using my vehicle for business?
• Do I pay less for low miles?
• Am I covered when driving on a suspended license?
• Is my state a no-fault state?
• Is a fancy paint job covered?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverage specifics

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as medical expenses, pain and suffering and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses like hospital visits, funeral costs and X-ray expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, hitting a bird and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Ford Econoline Wagon.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage

This coverage pays for damage to your Econoline Wagon caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, crashing into a building, hitting a mailbox, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, 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.

Save for a rainy day

You just learned a lot of ways to shop for 2002 Ford Econoline Wagon insurance online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the lowest prices come from a lesser-known regional company.

As you quote car insurance, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone dropped full coverage only to regret at claim time that it was a big mistake. Your goal is to purchase a proper amount of coverage at the lowest possible cost.

Insureds switch companies for any number of reasons including an unsatisfactory settlement offer, high prices, being labeled a high risk driver and poor customer service. No matter why you want to switch, switching insurance coverage companies is less work than it seems.

Much more information about insurance coverage can be found below:

• Red Light Cameras (State Farm)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Preventing Carjacking and Theft (Insurance Information Insitute)