Compare 2006 Ford Econoline Cargo Car Insurance Quotes

Consumers have lots of choices when looking for the best price on Ford Econoline Cargo insurance. They can either spend hours contacting agents to compare prices or save time using the internet to compare rates.

There is a better way to compare car insurance rates so you’re going to learn the quickest way to get price quotes on a Ford and locate the lowest price from local insurance agents and online providers.

If you have a policy now or are just looking to switch companies, you can follow these tips to find the best rates and still get good coverage. The purpose of this post is to familiarize you with how to get online quotes and some tricks to saving. Drivers only need an understanding of the proper methods to get comparison rates on the web.

Lower insurance rates with these tips

Part of the insurance coverage buying process is learning the factors that help determine your policy premiums. If you have some idea of what determines base rates, this helps enable you to make changes that will entitle you to lower premium levels.

  • Premiums increase with driving tickets – Having a single citation can increase rates to the point where it’s not affordable. Good drivers get better rates compared to bad drivers. Drivers who have dangerous citations like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Continuous insurance coverage coverage saves money – Having an insurance coverage lapse can be a fast way to bump up your insurance coverage costs. And not only will insurance be more expensive, failure to provide proof of insurance could earn you fines and jail time.
  • Poor credit can mean higher premiums – Credit rating is likely to be a major factor in determining what you pay. People with high credit ratings tend to be more responsible than those with lower ratings. So if your credit rating could use some work, you could potentially save money when insuring your 2006 Ford Econoline Cargo by repairing your credit.
  • Theft deterrents save – Owning a car with anti-theft technology or alarm system can help bring down rates. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft and help lower rates.
  • Eliminate extra policy coverages – There are quite a few extra add-on coverages that can waste your money if you aren’t careful. Things like rental car coverage, towing, and extra equipment coverage are examples of these. These coverages may sound good when deciding what coverages you need, but your money might be better spent on other coverage so get rid of them and save.
  • Liability protection limits are a factor – Liability coverage will provide protection if you are responsible for an accident. Liability provides legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Bundle home and auto and save – The majority of insurance coverage companies provide better rates to clients that have more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to make sure you are getting the best deal. Drivers may still find better rates by buying insurance coverage from a different company.

The easiest way to compare rate quotes takes advantage of the fact auto insurance companies pay for the opportunity to quote your coverage. The one thing you need to do is provide the companies a bit of rating information such as your occupation, whether the vehicles are used for commuting, coverage limits, and if the vehicle is leased. The rating information is then sent to multiple different insurance companies and you will get price comparisons immediately.

Lower-cost insurance coverage rates with discounts

Companies offering auto insurance don’t necessarily list all their discounts very clearly, so the following is a list of a few of the more well known and the harder-to-find credits available to bring down your rates.

  • Safety Restraint Discount – Drivers who require all occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Multiple Policy Discount – When you have multiple policies and insure them with the same company they may give you a discount of 10% to 20% off each policy.
  • Good Student Discount – Being a good student can earn a discount of 20% or more. You can use this discount normally until age 25.
  • Organization Discounts – Belonging to qualifying employment or professional organizations could qualify you for a break when shopping for insurance coverage.
  • Defensive Driving Course – Passing a course in safe driver could possibly earn you a 5% discount if your company offers it.
  • Cautious Driver Discounts – Insureds without accidents can pay as much as 50% less for Econoline Cargo coverage as compared to drivers with claims.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Savings for New Vehicles – Putting insurance on a new car can cost up to 25% less since newer vehicles are generally safer.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may get savings up to 30%.

Don’t be shocked that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think you can get free auto insurance, nobody gets a free ride.

The best insurance coverage companies and their offered discounts are detailed below.

  • State Farm has discounts for passive restraint, student away at school, Steer Clear safe driver discount, multiple policy, and good student.
  • Esurance includes discounts for good driver, paid-in-full, defensive driver, multi-policy, and claim free.
  • Progressive offers discounts including homeowner, online signing, multi-vehicle, multi-policy, good student, online quote discount, and continuous coverage.
  • Liberty Mutual may offer discounts for good student, newly retired, multi-policy, preferred payment discount, multi-car, new move discount, and new graduate.
  • Auto-Owners Insurance may include discounts for mature driver, air bags, anti-theft, safe vehicle, good student, and paid in full.
  • GEICO may have discounts that include five-year accident-free, federal employee, multi-vehicle, military active duty, and membership and employees.

Check with each company or agent which discounts you may be entitled to. Depending on the company, some discounts may not apply in your state. If you would like to see a list of insurance coverage companies who offer discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • Do I need added coverage for expensive stereo equipment?
  • Is a fancy paint job covered?
  • Should I have a commercial auto policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my 2006 Ford Econoline Cargo need full coverage?
  • Can I drive in Mexico and have coverage?
  • Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Having a good grasp of insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability

This coverage can cover damages or injuries you inflict on people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like medical services, repair costs for stationary objects, pain and suffering, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, theft, damage from a tornado or hurricane, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, backing into a parked car, crashing into a ditch, driving through your garage door and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills such as funeral costs, chiropractic care, EMT expenses and nursing services. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Econoline Cargo.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Summing up your car insurance search

When getting auto insurance quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, someone dropped uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

Discount 2006 Ford Econoline Cargo insurance can be bought both online and from local insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not have internet price quotes and usually these small, regional companies sell through local independent agents.

We just presented some good ideas how to reduce 2006 Ford Econoline Cargo insurance auto insurance rates online. The most important thing to understand is the more quotes you get, the better your chances of lowering your premium rates. You may even discover the best price on car insurance is with the smaller companies.

To learn more, link through to the resources below:

Comments About 2006 Ford Econoline Cargo Insurance

  1. Cecelia Bailey

    Will 21st Century cancel me for an at-fault accident?

  2. Retha Garrett

    Not sure if this is cheap. Quoted with AIG Insurance for my 2006 Ford Econoline Cargo and am saving around $320 a year. Left Encompass to switch.

  3. Jacquetta Meadows

    Nice info. Located in Cleveland, OH. Quoted quotes from Sentry, Encompass, GEICO, and AAA for my 2006 Ford Econoline Cargo and I think I saved around $60 each month.

  4. Ellamae Lyons

    In Juneau, Alaska, Progressive auto insurance rates for my 2006 Ford Econoline Cargo were good. Insured with AAA before. A clean driving record helps. Just waiting to see how claims go.

  5. Tony Jones

    Are State Farm or State Farm rates cheaper in Maryland?

  6. Lashonda Freeman

    It’s all a rip off. I live in Virginia Beach, VA. Quoted with Progressive, Hartford, and Eastwood for my Econoline Cargo and saved just over $150 a year. Thankfully I’m not a high risk driver.

  7. Clora Herrera

    I chose to switch to GEICO from American Family. I live in Rockford, IL. Insured with USAA before. I got prices on the web.

  8. Andre Mason

    I found cheap 2006 Ford Econoline Cargo insurance in Jersey City, NJ with Allstate.

  9. Charlie Skinner

    Thanks for putting this site together. Located in Baltimore, Maryland. Got rates from Western Auto Insurance, AAA, GMAC, and Sentry for my Ford and I’m now saving $62 a month. Good multi-policy discounts.

  10. Abbie Pope

    Live in the southern part of Norman, Oklahoma. Quoted rates from American Family, MetLife, and a few others for my Econoline Cargo and saved about $370 a year. Insured with Farmers before. I get multi-vehicle and multi-policy discounts.

  11. Parthenia Riddle

    Nice info. I’m from Cedar Rapids, IA. Received prices from 21st Century, Liberty Mutual, and Encompass for my 2006 Ford Econoline Cargo and I’m now saving $17 a month.