2001 Ford Econoline Cargo Insurance Rates

Want the cheapest car insurance rates for your Ford Econoline Cargo? Trying to find the cheapest insurance for a new or used Ford Econoline Cargo can normally be an all-consuming task, but you can use our car insurance buying tips and make it easy.

There is a better way to compare car insurance rates and you need to know the proper way to price shop coverage for your Ford and locate the lowest possible price from local insurance agents and online providers.

You need to get comparison quotes occasionally because car insurance prices are usually higher with each renewal. If you had the best quotes for Econoline Cargo insurance two years ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re about to learn one of the best ways to save on car insurance.

Finding the lowest cost insurance coverage coverage is simple if you know the tricks. If you have a policy now or need new coverage, you can use this information to find better prices while maintaining coverages. Drivers just need to learn the most effective way to compare rates online.

Verify you’re earning every discount

Some providers do not advertise all disounts in a way that’s easy to find, so we took the time to find some of the best known as well as some of the hidden discounts you could be receiving when you buy auto insurance online.

  • Discounts for New Vehicles – Buying a new car model can get you a discount due to better safety requirements for newer models.
  • Pay Early and Save – If you can afford to pay the entire bill rather than spreading payments over time you could save 5% or more.
  • Air Bag Discount – Cars that have air bags may get savings of 25 to 30%.
  • Federal Government Employee – Active or retired federal employment could provide a small rate reduction for Econoline Cargo insurance with a few insurance companies.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save up to 15% off the personal injury premium cost.

Just know that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

A list of insurance companies and a partial list of their discounts are shown below.

  • State Farm may include discounts for multiple policy, driver’s education, good student, student away at school, good driver, multiple autos, and defensive driving training.
  • Farmers Insurance offers premium reductions for electronic funds transfer, early shopping, distant student, bundle discounts, youthful driver, teen driver, and switch companies.
  • Progressive may offer discounts for continuous coverage, multi-policy, multi-vehicle, online signing, online quote discount, and good student.
  • Geico includes discounts for defensive driver, multi-policy, military active duty, membership and employees, and anti-theft.
  • Auto-Owners Insurance has savings for multiple vehicles, good student, group or association, safe vehicle, and paid in full.
  • The Hartford offers discounts for air bag, defensive driver, vehicle fuel type, driver training, bundle, and good student.
  • Farm Bureau policyholders can earn discounts including good student, safe driver, renewal discount, multi-vehicle, multi-policy, and driver training.
  • USAA discounts include family discount, safe driver, defensive driver, annual mileage, and multi-vehicle.

When getting free auto insurance quotes, it’s a good idea to every company which credits you are entitled to. Depending on the company, some discounts might not be offered on policies in your area. To choose insurers that can offer you the previously mentioned discounts, click here.

When should I discuss my situation with an agent?

When choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions can help discover if you may require specific advice.

  • Does coverage extend to my business vehicle?
  • Am I covered when driving on a suspended license?
  • Does liability extend to a camper or trailer?
  • Do I need medical payments coverage since I have good health insurance?
  • When should my teen driver be added to my policy?
  • Do I need an umbrella policy?
  • How do I buy GAP insurance?
  • Does my 2001 Ford Econoline Cargo qualify for pleasure use?
  • Is a fancy paint job covered?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Drivers who switch save $433 a year? Really?

Consumers can’t avoid all the ads that promise big savings for switching by companies like State Farm, Geico and Progressive. They all seem to have a common claim that drivers can save some big amount if you get a free auto insurance quote and switch your policy.

That’s great but how can every company charge less that you’re paying now?

Auto insurance companies provide the lowest rates for the type of driver that earns them the most money. A good example of a preferred risk might have to be a married male, insures multiple vehicles, and has great credit. Anyone who meets those qualifications receive the lowest rate quotes and as a result will probably save a lot of money.

Consumers who do not meet those standards will get a higher rate and this results in the customer not buying. Company advertisements say “people that switch” not “everyone that quotes” save that much. That’s why insurance companies can lure you into getting a quote.

This really drives home the point why you should do a price quote comparison at every renewal. It’s not possible to predict with any certainty which company will have the best car insurance rates.

Auto insurance policy specifics

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability insurance

This coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like repair costs for stationary objects, pain and suffering, medical services and emergency aid. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like prosthetic devices, X-ray expenses, ambulance fees and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Econoline Cargo.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage protection

This coverage covers damage to your Econoline Cargo resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Make an honest buck

We just showed you quite a bit of information on how to compare 2001 Ford Econoline Cargo insurance rates online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates are with the smaller companies.

Lower-priced 2001 Ford Econoline Cargo insurance can be bought on the web in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies may not offer rate quotes online and these regional insurance providers only sell through independent agents.

People switch companies for many reasons like not issuing a premium refund, extreme rates for teen drivers, delays in responding to claim requests and even high prices. Regardless of your reason for switching companies, switching companies can be pretty painless.

More information