How Much Does 1999 Ford Econoline Wagon Insurance Cost?

If you are new to getting insurance quotes online, chances are good that you are baffled by the sheer number of local and online companies all advertising big savings.

It’s a good habit to do price comparisons every six months due to the fact that insurance prices are usually higher with each renewal. Just because you had the lowest rates on Econoline Wagon insurance last year you may be paying too much now. There is too much inaccurate information about insurance coverage online but in a few minutes you can learn a lot of great tips on how to quit paying high insurance coverage rates.

Buy auto insurance online

When shopping for auto insurance there are multiple ways to obtain and compare prices from local auto insurance companies. The best method to find affordable 1999 Ford Econoline Wagon insurance rates is to perform an online rate comparison. It’s really quite simple and can be done in several different ways.

• Probably the best way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing separate quotation requests for every auto insurance company. One form submission gets you price quotes from auto insurance companies with the best prices. This is perfect if you don’t have a lot of time.
• A more difficult way to find better pricing consists of visiting the website for every company you want to comare and request a quote. For examples sake, let’s say you want to compare prices for Allstate, Esurance and State Farm. You would have to go to every website and enter your information, which can be really labor intensive.

  For a list of links to insurance companies in your area, click here.

• If you have time to kill, the last way to comparison shop rate quotes is physically going to different agent offices. Quoting online eliminates the need for an insurance agent unless you prefer the extra assistance of an agent trained in personal lines coverage. Although you can comparison shop your insurance online but buy the policy through an agent.

Which method you use is up to you, but make sure you use the same quote information on every quote. If you enter differing limits you can’t possibly make an equal comparison. Just a small difference in coverages may result in large price differences. And when comparison shopping, obtaining a wide range of quotes provides better odds of finding the best rates.

More affordable rates with these auto insurance discounts

Car insurance is not cheap, but you can get discounts that can help lower your rates. Some trigger automatically when you get a quote, but a few need to be requested specifically prior to getting the savings.

• No Charge for an Accident – This isn’t a discount exactly, but some companies like Allstate, Progressive, and Geico will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims for a certain period of time.
• Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Econoline Wagon insurance than less cautious drivers.
• Military Deployment Discount – Having a deployed family member could be rewarded with lower premium rates.
• Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Pay Early and Save – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.

Discounts lower rates, but most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Larger auto insurance companies and their offered discounts are shown below.

• Progressive policyholders can earn discounts including multi-vehicle, homeowner, continuous coverage, good student, and online signing.
• The Hartford may include discounts for defensive driver, bundle, air bag, good student, driver training, anti-theft, and vehicle fuel type.
• Mercury Insurance offers discounts for multi-policy, multi-car, good driver, age of vehicle, location of vehicle, ease of repair, and annual mileage.
• Geico discounts include multi-vehicle, multi-policy, anti-lock brakes, good student, five-year accident-free, driver training, and daytime running lights.
• AAA may have discounts that include AAA membership discount, anti-theft, pay-in-full, good driver, good student, and multi-car.
• State Farm has savings for Steer Clear safe driver discount, multiple policy, accident-free, driver’s education, and Drive Safe & Save.

If you want cheaper insurance quotes, ask all the companies how you can save money. Some discounts may not apply to policies everywhere.

Auto insurance can get complicated

When buying the best auto insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if you will benefit from professional help.

• Am I covered when driving someone else’s vehicle?
• Are there companies who specialize in insuring high-risk drivers?
• Where can I find DUI or SR-22 insurance?
• I have a DUI can I still get coverage?
• What can I do if my company denied a claim?
• Can I make deliveries for my home business?
• What happens if I owe more than my 1999 Ford Econoline Wagon is worth?
• Do I need PIP coverage since I have good health insurance?
• Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance policy coverages for a Ford Econoline Wagon

Knowing the specifics of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

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

Comprehensive insurance covers claims such as fire damage, damage from a tornado or hurricane, falling objects and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

This covers damage to your Econoline Wagon caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, colliding with a tree, crashing into a building, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability car insurance

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

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things like emergency aid, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Ford Econoline Wagon.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills such as nursing services, EMT expenses, rehabilitation expenses, doctor visits and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as 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