2013 Ford E-Series Wagon Insurance Quotes – 7 Ideas for Best Rates

Drivers have lots of choices when trying to find the best price on Ford E-Series Wagon insurance. They can either waste time driving around trying to get quotes or save time using the internet to compare rates.

There is a better way to compare auto insurance rates and you need to know the absolute fastest way to quote coverages on a Ford and locate the best price possible from local insurance agents and online providers.

The purpose of this article is to teach you how car insurance quotes work. If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Consumers just need to know the proper methods to find the lowest price over the internet.

The quickest way to compare car insurance company rates is to know the trick most of the larger companies will pay a fee to give free rates quotes. The only thing you need to do is give them rating details like the year, make and model of vehicles, if you are currently licensed, coverage limits, and whether you are single or married. That rating information is then submitted to all major companies and they return cost estimate with very little delay.

To check rates for your 2013 Ford E-Series Wagon now, click here and find out if lower rates are available.

Find hidden discounts to get affordable insurance rates

Auto insurance companies don’t always advertise all their discounts in a way that’s easy to find, so below is a list both well-publicized as well as some of the hidden credits that may apply to you.

• 55 and Retired – Drivers over the age of 55 could receive a small decrease in premiums on E-Series Wagon insurance.
• Telematics Discount – Drivers who elect to allow their insurance company to scrutinize where and when they drive by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.
• Braking Control Discount – Cars that have anti-lock braking systems can reduce accidents and will save you 10% or more.
• Accident Forgiveness – Not really a discount, but some companies like Allstate, State Farm and Geico will forgive one accident without getting socked with a rate hike if you have no claims before the accident.
• Include Life Insurance and Save – Some insurance companies give a discounted insurance rate on car insurance if you buy life insurance from them.
• Discount for Home Ownership – Owning a house may trigger a policy discount on insurance since owning and maintaining a home shows financial diligence.
• Defensive Driver Discount – Taking time to complete a defensive driver course could save 5% or more if your company offers it.

Please keep in mind that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think you can get free auto insurance, nobody gets a free ride.

The best insurance companies and some of their more popular discounts are shown below.

• Travelers offers discounts including new car, early quote, payment discounts, multi-policy, and hybrid/electric vehicle.
• 21st Century offers premium reductions for theft prevention, defensive driver, early bird, student driver, good student, and teen driver.
• State Farm discounts include multiple policy, passive restraint, anti-theft, good driver, and defensive driving training.
• Geico includes discounts for military active duty, air bags, anti-lock brakes, anti-theft, daytime running lights, and defensive driver.
• SAFECO may include discounts for bundle discounts, drive less, anti-lock brakes, homeowner, anti-theft, and accident prevention training.
• AAA may offer discounts for good student, multi-policy, good driver, pay-in-full, multi-car, AAA membership discount, and education and occupation.

When getting free insurance coverage quotes, it’s a good idea to each insurance company how you can save money. Some of the discounts discussed earlier might not be available to policyholders in your area. To choose providers that offer many of these discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can aid in determining if you would benefit from an agent’s advice.

• Will I lose any money if I cancel my policy before it expires?
• Why am I required to get a high-risk car insurance policy?
• Am I getting all the discounts available?
• Am I covered when driving in Canada or Mexico?
• Is my teenager covered with friends in the car?
• How much liability insurance is required?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is my camper covered by my car insurance policy?
• When can my company non-renew my policy?
• Is a fancy paint job covered?

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, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Switch companies and save? Really?

Consumers get pounded daily by advertisements for cheaper auto insurance from the likes of State Farm, Allstate and Geico. All the ads make the same claim that you’ll save big if you just switch your auto insurance policy to them.

That’s great but how can every company cost less than your current company? Here is how they do it.

All companies have a certain “appetite” for a prospective insured that earns them a profit. One example of a profitable customer could possibly be between 25 and 40, has no claims, and drives newer vehicles. A customer who matches that profile receive the lowest rate quotes and as a result will probably save if they switch.

Insureds who cannot meet this ideal profile must pay a higher rate and this can result in the customer buying from someone else. If you listen closely, the ads state “drivers that switch” not “everyone who quotes” save that much. That’s the way companies can truthfully lure you into getting a quote.

This illustrates why it is so important to do a rate comparison at every renewal. You cannot predict with any certainty which company will have the best prices.

Parts of your insurance policy

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, rock chips in glass, damage from getting keyed and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

Collision insurance pays for damage to your E-Series Wagon caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, rolling your car, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like hospital visits, surgery and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford E-Series Wagon.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Auto liability

This will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, loss of income and emergency aid. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Final thoughts

More affordable car insurance can be sourced from both online companies as well as from insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not provide price quotes online and usually these smaller companies only sell through local independent agents.

We’ve covered some good ideas how you can save on 2013 Ford E-Series Wagon insurance. The most important thing to understand is the more you quote insurance coverage, the better your chances of lowering your auto insurance rates. You may be surprised to find that the most savings is with some of the smallest insurance companies.

As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced full coverage only to regret they didn’t purchase enough coverage. Your goal is to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.

Additional detailed information is available at these sites:

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)