Buyers have options when searching for affordable Ford Econoline Cargo insurance. They can either waste time contacting agents to get rate comparisons or leverage the internet to get rate quotes.
There are both good and bad ways to find car insurance online so we’re going to tell you the quickest way to quote coverages for a Ford and get the best price possible either online or from local insurance agents.
Finding a better price on auto insurance is surprisingly easy. The only thing you need to do is spend a little time comparing free car insurance quotes from online providers. It is quite easy and can be accomplished using one of these methods.
It’s up to you which method you use, but compare exactly the same coverage limits for each price quote. If you are comparing different limits and deductibles on each one it’s impossible to make a fair rate comparison.
The price of auto insurance can be rather high, but there could be available discounts to cut the cost considerably. Many discounts should be triggered when you purchase, but less common discounts must be manually applied before being credited.
Discounts lower rates, but some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like you could get a free auto insurance policy, nobody gets a free ride.
To choose auto insurance companies who offer auto insurance discounts, click this link.
When it comes to buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.
For example, these questions might point out if you could use an agent’s help.
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.
Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these limits are identical to your policy’s liability coverage.
Collision coverages – This covers damage to your Econoline Cargo resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as hitting a parking meter, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as damage from a tornado or hurricane, a broken windshield and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Liability car insurance – Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability can pay for things such as structural damage, medical services, medical expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for short-term medical expenses for things like prosthetic devices, surgery, doctor visits and ambulance fees. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible
Kendall Medina
FYI in Fort Wayne, Indiana try Progressive. I got a good deal.
Maude Sykes
Went with Erie for my 2008 Ford Econoline Cargo and saved about $340 a year. I think they have home insurance too. God forbid I actually have a claim.
Gustavo Gilliam
Here’s my quote info. I live just outside Jackson, MS. Received prices from AIG Insurance, Nationwide, and some smaller one I can’t remember the name of for my Ford and I’m now saving $42 a month. Good multi-policy discounts.
Norman Woodward
Liked the article. I live on the west side of New Haven, Connecticut. Got quotes with Western Auto Insurance, Auto-Owners, The General, and MetLife for my Econoline Cargo and saved $489 a year. I quoted rates online then called them.
Sarita White
Cheap car insurance? What’s that? I live just outside South Burlington, VT. Checked online prices for a 2008 Ford Econoline Cargo. Ended up at about $110 savings annually. Went with GEICO. Was with GMAC. Thankfully I’m not a high risk driver.
Altha Johnson
Cheap is relative. I live just to the north of Rochester, NY. Quoted quotes with MetLife, Encompass, Allstate, and AAA for my Ford and cut my rates about $320 a year.
Marva Houston
This is too expensive. I’m in the north part of Tucson, Arizona. Quoted a bunch of companies. Saved roughly $40 a month. State Farm was the best choice for me.
Morris Jordan
Located in Dover, DE. I don’t recall every quote but I ended up saving about $20 each month. Thankfully I’m not a high risk driver.
Anneliese Mcintyre
Checking in from Portland, Maine. I got free prices from Progressive, AIG Insurance, and some I forget for my Ford and saved $212 a year.
Pamila Barrera
Here’s what I found out. I live just outside Virginia Beach, VA. Quoted rates from GEICO, Amica, and Esurance for my 2008 Ford Econoline Cargo and I think I saved about $50 each month. Insured with Mercury before. I’m a pretty good driver though. :P
Catrice Albert
Cheap is relative. Got a quote with AAA for my Ford and saved about $90 a year. Have an at-fault accident tho.
Theda Dale
If you don’t have tickets and live near Pittsburgh, PA, check out 21st Century. I saved quite a bit. Online quotes are the way to go.
Bettina Kirkland
Are GEICO rates cheap in Vermont?