Cheaper 2011 Ford E-Series Wagon Car Insurance Quotes

Trying to find lower insurance coverage rates for your Ford E-Series Wagon? Do you think you bought an underperforming, overpriced insurance coverage policy? Say no more because you are not the only one feeling buyer’s remorse.

Popular companies such as Allstate, Progressive and GEICO increase brand awareness with TV and radio ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

Insurance discounts are available to lower your rates

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically when you purchase, but some need to be manually applied prior to receiving the credit.

  • College Student Discount – Older children who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.
  • Active Military Service – Being deployed in the military may qualify for rate reductions.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of 25 to 30%.
  • Data Collection Discounts – Drivers who elect to allow data collection to look at their driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they have good driving habits.
  • Accident-Free Discounts – Drivers who stay claim-free can save substantially as opposed to policyholders that have many claims.
  • Save over 55 – Older drivers could receive lower premium rates for E-Series Wagon coverage.
  • Save with More Vehicles Insured – Having several vehicles with the same company could earn a price break for each car.
  • E-sign Discounts

We need to note that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, it’s just not the way it works.

Larger insurance companies and some of the discounts are included below.

  • Travelers has savings for student away at school, IntelliDrive, save driver, multi-policy, good student, and hybrid/electric vehicle.
  • 21st Century may offer discounts for early bird, driver training, good student, theft prevention, automatic seat belts, student driver, and anti-lock brakes.
  • State Farm offers discounts including multiple autos, multiple policy, good student, Drive Safe & Save, good driver, and passive restraint.
  • GEICO policyholders can earn discounts including five-year accident-free, multi-vehicle, daytime running lights, membership and employees, anti-theft, multi-policy, and seat belt use.
  • SAFECO offers discounts for safe driver, anti-lock brakes, teen safe driver, homeowner, bundle discounts, and teen safety rewards.
  • AAA offers premium reductions for multi-car, multi-policy, education and occupation, good driver, AAA membership discount, and anti-theft.

If you need lower rates, check with all the companies the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your state. If you would like to see a list of companies who offer insurance discounts, click here.

How much does insurance coverage cost?

Shopping for lower insurance coverage rates can be challenging if you don’t know the easiest way. You could waste time discussing policy coverages with agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Most major companies participate in an industry program where insurance shoppers send in one quote, and each participating company can give them a price. This prevents consumers from doing quote requests to each company. To access this free quoting program, click here to start a free quote.

The single downside to pricing coverage this way is you can’t choose the companies you want to price. So if you prefer to choose specific providers to receive pricing from, we have a listing of insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just be certain you are entering the exact same quote data with each company. If you compare different coverage information you can’t possibly make a fair rate comparison. Even a minor difference in coverage limits may result in a large different in cost. It’s important to know that comparing all the rates in your area helps increase your odds of locating a better price.

Informed drivers know how to buy insurance cheaper

Many different elements are used when quoting car insurance. Some factors are common sense like your driving record, but other factors are not quite as obvious like your vehicle usage or how financially stable you are.

The factors shown below are some of the factors used by insurance companies to determine your rate level.

  • Know your credit history – Having a bad credit score is a big factor in your rate calculation. Insureds that have very high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit. If your credit score can be improved, you may save money insuring your 2011 Ford E-Series Wagon by spending a little time repairing your credit.
  • Low comp and collision deductibles mean high prices – Your deductibles represent how much money you are willing to pay before a claim is paid by your company. Protection for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of some claims that would be covered are colliding with a stationary object, fire damage, and damage from wind. The more money you choose to pay out-of-pocket, the lower your rates will be for E-Series Wagon coverage.
  • Experienced drivers save more – Older drivers are shown to be more cautious, file fewer claims and receive fewer citations.Inexperience drivers are statistically proven to be inattentive and easily distracted with other occupants in the car therefore insurance rates are much higher.
  • Annual miles is a factor – The higher the miles on your Ford each year the more it will cost to insure it. The majority of insurers rate vehicles based on how the vehicle is used. Cars and trucks that do not get driven very much cost less to insure than those that get driven frequently. Make sure your insurance declarations sheet shows the proper vehicle usage, because improper ratings can cost you money. Improper usage on your E-Series Wagon is throwing money out the window.
  • Only buy coverage you need – There are many additional coverages you can purchase if you don’t pay attention. Insurance for coverage for rental cars, towing, and membership fees could be just wasting money. They may sound like good ideas when buying your policy, but if you have no use for them get rid of them and save.
  • Filing policy claims can cost you – Auto insurance companies award the lowest premiums to insureds who file claims infrequently. If you are the type of insured that files lots of claims you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Safety ratings are a factor – Vehicles with good safety scores cost less to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and fewer serious injuries translates directly to fewer claims and lower rates for you. If your Ford is rated at least four stars on Safercar.gov you may qualify for a discount.

Everyone needs different car insurance coverages

When choosing the best car insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether you might need an agent’s assistance.

  • Is my 2011 Ford E-Series Wagon covered for flood damage?
  • What is the ISO rating for a 2011 Ford E-Series Wagon?
  • Is my teen driver covered when they drive my company car?
  • Am I covered if my car is in a flood?
  • Do I need higher collision deductibles?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Am I getting all the discounts available?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

The insurance bait and switch

Big name companies like GEICO, State Farm and Progressive consistently run ads in print and on television. All the ads advertise the message that you’ll save big just by switching to them. How can each company charge less that you’re paying now?

Insurance companies quote their cheapest rates for the right customer that will not have excessive claims. A good example of this type of insured might be described as between the ages of 30 and 50, carries full coverage, and drives less than 7,500 miles a year. Any driver who fits that profile may get the lowest premium rates and is almost guaranteed to cut their rates if they switch.

Potential insureds who fall short of those criteria will probably have to pay a higher rate which results in the customer not buying. The ads say “drivers that switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully make it sound like they have such great premium rates. That is why drivers should quote coverage with many companies. It’s just not possible to know which company will be your best fit.

Car insurance 101

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like rehabilitation expenses, nursing services and funeral costs. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages

Liability insurance will cover damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as funeral expenses, emergency aid and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, damage from flooding and damage from getting keyed. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Buy online or local, you save

Throughout this article, we presented a lot of information how to lower your 2011 Ford E-Series Wagon insurance prices. The key thing to remember is the more you quote insurance, the better likelihood of getting the cheapest insurance. You may be surprised to find that the biggest savings come from the smaller companies. They can often provide lower rates in certain areas than the large multi-state companies such as Progressive or GEICO.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. There have been many situations where an insured cut physical damage coverage to discover at claim time that the savings was not a smart move. The goal is to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

Even more information can be found in the articles below:

Comments About 2011 Ford E-Series Wagon Insurance

  1. Orval Hess

    Good detail in your article. Live in Knoxville, Tennessee. Quoted with Sentry, Esurance, GEICO, and Auto-Owners for my Ford and saved $257 a year. It never hurts to quote around.

  2. Edmond Ortega

    Lifelong resident of Great Falls, MT. Quoted with Liberty Mutual, AIG Insurance, Nationwide, and a couple others for my Ford and I think I am saving around $20 each month. You can get a rate quote online.

  3. Desirae Holt

    From Lincoln, NE. Compared rates from a lot of places. Saved roughly $50 a month. 21st Century was the most affordable for me. Left USAA to switch.

  4. Katheryn Velazquez

    It all costs too much. I live east of Hartford, CT. Quoted with USAA, AIG Insurance, GMAC, and Nationwide for my 2011 Ford E-Series Wagon and I’m now saving $19 a month. Might find lower rates online.

  5. Cayla Olsen

    I’m just south of Milwaukee, Wisconsin. Got car insurance prices from AIG Insurance, Erie, and MetLife for my 2011 Ford E-Series Wagon and cut my rates about $380 a year. Left Allstate to switch.

  6. Apolonia Conner

    In South Burlington, VT try State Farm or Progressive. Both had decent prices.

  7. Neta Powell

    Is GEICO or Allstate cheaper in Bellevue, Nebraska?

  8. Albertine Alvarado

    Checking in from Dover, Delaware. I compared lots of rates. Saved right around $50 a month. Progressive was the cheapest for me. Insured with Erie before. They have free quotes online.

  9. Gabriella Lawrence

    If you’re a decent driver and live in the vicinity of Greensboro, NC, check out Progressive. You might save some money.

  10. Olen Hickman

    Where is cheaper car insurance? I live south of Boise, Idaho. Got car insurance rates from Amica, MetLife, and USAA for my Ford and saved about $310 a year.

  11. Arvilla Sykes

    Any 21st Century or Farmers customers near Springfield, MA?