Want the cheapest car insurance rates? Drivers have a choice when trying to find the lowest priced Ford E-Series Van insurance. You can either spend your time struggling with agents trying to get quotes or use the internet to make rate comparisons. There is a right way and a wrong way to compare car insurance rates and you need to know the best way to price shop coverage for a new or used Ford and find the lowest possible price.
Consumers need to price shop coverage at least once a year because insurance prices are variable and change quite frequently. Even if you think you had the best deal on E-Series van coverage a couple years back you can probably find a better rate now. Forget anything you know (or think you know) about car insurance because I’m going to teach you the tricks you need to know to properly buy coverages and cut your premium.
The quickest way to compare car insurance rates is to know the trick most of the larger companies pay for the opportunity to compare rate quotes. The only thing you need to do is provide information such as whether you have decent credit, if a SR-22 is required, driver ages, and whether you drive to work or school. That rating information gets transmitted to insurance companies and you get price estimates with very little delay.
If you would like to compare rates now, click here and enter your zip code.
Insuring your fleet can be pricey, but there are discounts available that many consumers don’t even know exist. Some of these disounts will be visible at the time you complete a quote, but some may not be applied and must be manually applied before you will receive the discount.
A little disclaimer on discounts, most discount credits are not given to the entire policy premium. Most cut individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.
To locate companies who offer free insurance coverage quotes, click here.
When buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.
These are some specific questions might help in determining whether you would benefit from professional advice.
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.
Having a good grasp of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.
UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford E-Series Van.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Comprehensive or Other Than Collision – This pays to fix your vehicle from 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 coverage pays for claims like fire damage, theft, rock chips in glass, vandalism and hail damage. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverage – This coverage pays for damage to your E-Series Van caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.
Auto liability – Liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for claims like loss of income, medical services and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.
Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like hospital visits, dental work and prosthetic devices. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay