Cheaper 2014 Ford E-Series Wagon Insurance Quotes

When looking for lower-priced insurance, do you get frustrated by the crazy number of car insurance providers in your area? consumers have so many providers available that it can turn into a lot of work to locate the lowest prices.

It’s a great practice to get comparison quotes before your next renewal because rates are usually higher with each renewal. Even if you think you had the lowest premium rates for E-Series Wagon insurance a year ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because we’re going to show you the only way to save money, get proper coverage and the best rates.

Finding insurance coverage

Shopping for lower insurance coverage rates is a ton of work if you don’t utilize the easiest way. You could waste time talking to agents in your area, or you could save time and use online quotes for quick rates.

Most major companies are enrolled in a marketplace where insurance shoppers complete one form, and each participating company can provide price quotes based on the submitted data. This prevents consumers from doing form submissions for each company you want a rate for.

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

One minor caviat to pricing coverage this way is you can’t choose the companies to receive prices from. So if you want to select specific providers to compare, we put together a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just double check that you are using equivalent quote information on every quote you get. If you compare different limits and deductibles on each one you will not be able to determine which rate is truly the best. Having just a slight variation in coverages could skew the results. And when price shopping your coverage, more quotes will improve the odds of getting a lower rate than you’re paying now.

Get cheaper rates with these insurance discounts

Buying insurance is not cheap, but you may be missing some discounts that many consumers don’t even know exist. Certain reductions will be credited when you purchase, but some must be asked about before you get the savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

• Low Miles Discount – Low mileage vehicles may allow you to get lower insurancerates due to less chance of an accident.
• Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
• Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
• Auto/Home Discount – When you have multiple policies with the same company you could earn a discount of nearly 15% which can help you find low cost car insurance.
• Early Renewal Discounts – A few companies give discounts for signing up before your current coverage expires. It could save around 10% when you buy car insurance online.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts may be able to save a few bucks off the medical payments premium.

It’s important to understand that most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Companies that possibly offer most of these discounts may include but are not limited to:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

If you are trying to find cheap car insurance quotes, ask every insurance company to apply every possible discount. Depending on the company, some discounts may not be offered in your area.

Car insurance can get complicated

When buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

• Can I rent a car in Mexico?
• Do I need roadside assistance coverage?
• What is covered by UM/UIM coverage?
• What is an SR-22 filing?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered by my spouse’s policy after a separation?
• At what point should I drop full coverage?
• Is my custom paint covered by insurance?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Information about specific coverages

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hail damage, hitting a deer, damage from flooding and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability – This provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as structural damage, pain and suffering, repair costs for stationary objects, medical services and legal defense fees. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Ford E-Series Wagon.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills such as X-ray expenses, funeral costs and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, rolling your car, colliding with another moving vehicle, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.