Save on 2010 Ford E-Series Van Insurance Quotes

Want better car insurance rates? Drivers have many options when trying to find the lowest priced Ford E-Series Van insurance. You can either waste hours calling around to compare prices or utilize the internet to make rate comparisons.

There are more efficient ways to buy car insurance and you need to know the proper way to get price quotes for a new or used Ford and obtain the cheapest rates from both online companies and local agents.

It’s a good idea to do price comparisons on a regular basis because car insurance prices change regularly. If you had the lowest rates for E-Series van coverage last year a different company probably has better premium rates today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use the internet to lower your rates without sacrificing coverage.

Cheaper car insurance rates with discounts

Not too many consumers would say car insurance is affordable, but there may be some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you purchase, but some discounts are required to be inquired about before they will apply. If you aren’t receiving every discount you deserve, you are paying more than you should be.

• Clubs and Organizations – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums on your policy.
• Driving Data Discount – Drivers who elect to allow their insurance company to look at vehicle usage by using a telematics device like Allstate’s Drivewise might get better premium rates if they are good drivers.
• Waiver for an Accident – This isn’t a discount exactly, but some companies like Progressive, State Farm and Geico will allow you to have one accident before they charge you more for coverage so long as you haven’t had any claims prior to the accident.
• Renewal Discounts – Some insurance companies reward drivers for signing up prior to the expiration date on your current policy. You could save around 10% when you buy insurance coverage online.
• Senior Citizen Rates – If you qualify as a senior citizen, you can get reduced rates for E-Series van coverage.
• Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease for E-Series van coverage depending on your car insurance provider.
• Defensive Driver Discount – Taking part in a defensive driver class could cut 5% off your bill and make you a better driver.
• Good Student – Being a good student may save you up to 25%. You can use this discount normally until age 25.
• Air Bags and Passive Restraints – Vehicles with factory air bags may get savings of 20 to 30 percent.
• Early Payment Discounts – By paying your entire bill at once as opposed to paying monthly you could save 5% or more.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given the the whole policy. Most only reduce individual premiums such as liability and collision coverage. So when it seems like you could get a free car insurance policy, you’re out of luck.

To locate insurance companies with the best car insurance discounts, follow this link.

How to find cheap auto insurance

There are a lot of ways to shop for auto insurance, but one way is less labor-intensive and much quicker. You can waste hours discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to achieve your goal.

Most of the best insurance companies are enrolled in a marketplace where insurance shoppers complete one form, and at least one company provides a quote based on that data. This prevents consumers from doing quote forms for each company.

To participate in this free quote system, click here to start a free quote.

The only drawback to using this type of system is buyers cannot specifically choose which carriers to receive prices from. If you wish to select individual companies to request quotes from, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just try to use equivalent quote data on every quote you get. If you compare different deductibles then you won’t be able to determine the lowest rate for your Ford E-Series Van.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

• How can I find cheaper teen driver insurance?
• What if I owe more than I can insure my car for?
• Does coverage extend to Mexico or Canada?
• Why am I required to buy high-risk coverage?
• If I drive on a suspended license am I covered?
• Should I have a commercial auto policy?
• Is my nanny covered when driving my vehicle?
• Do I have newly-aquired coverage?
• Does my 2010 Ford E-Series Van qualify for pleasure use?
• Is my trailer covered?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Insurance coverages and their meanings

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision – This covers damage to your E-Series Van caused by 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 insurance covers things such as hitting a parking meter, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for immediate expenses for pain medications, funeral costs, dental work and prosthetic devices. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford E-Series Van.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – This 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 hitting a deer, fire damage, theft and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance – This coverage will cover injuries or damage you cause to other people or property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as attorney fees, court costs, medical services and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Make an honest buck

People leave their current company for many reasons like policy non-renewal, high prices, policy cancellation or even delays in paying claims. It doesn’t matter why you want to switch finding the right insurance provider can be pretty painless.

Affordable 2010 Ford E-Series Van insurance is definitely available from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and many times these smaller companies sell through independent agencies.

While you’re price shopping online, you should never buy poor coverage just to save money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your goal should be to get the best coverage possible at the best price.

Much more information about insurance is located at these links:

• Car Insurance FAQ (Trusted Choice)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)