View 2001 Ford Econoline Wagon Insurance Quotes

Shoppers have options when shopping for the lowest priced Ford Econoline Wagon insurance. They can either spend hours contacting agents getting price quotes or leverage the internet to compare rates.

There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to quote coverages on a Ford and get the lowest price either online or from local insurance agents.

Finding auto insurance

Many insurance companies make it easy to get coverage price quotes direct online. Comparing prices online is pretty painless as you just type in your coverage preferences as requested by the quote form. Once you submit the form, their rating system pulls information on your driving record and credit history and quotes a price.

This makes it a lot easier to compare rates but the process of having to visit several different sites and type in your information can get tiresome after awhile. But it’s also necessary to do this if you are searching for a lower rate.

The smarter way to find better auto insurance pricing is to use a quote form that gets price quotes from more than one company. The form is fast, helps eliminate reptitive entry, and makes rate comparisons a lot less work. After sending the form, it gets priced and you can choose any one of the returned quotes.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

In order to find out how much you’re overpaying now, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you input the coverage information identical to your current policy. This makes sure you will be getting a rate comparison using the same coverage and limits.

Use discounts on auto insurance

Car insurance companies don’t list their entire list of discounts very clearly, so the following list contains some of the best known and the harder-to-find auto insurance savings. If they aren’t giving you every credit available, you could be getting lower rates.

  • Paper-free Discount – A few auto insurance companies may give you up to $50 for signing up digitally online.
  • Renewal Discounts – Some insurance companies provide a discount for buying a policy prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Senior Citizen Discount – Drivers that qualify as senior citizens may receive a slight reduction on a auto insurance quote for Econoline Wagon insurance.
  • Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Discounts for New Vehicles – Buying insurance on a new vehicle can cost up to 25% less since new model year vehicles have better safety ratings.
  • Discount for Low Mileage – Fewer annual miles on your Ford could earn cheaper premium rates.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Government Employee Discount – Simply working for the federal government can earn a discount up to 10% for Econoline Wagon insurance with certain companies.
  • Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save 10% or more off the personal injury premium cost.

As a footnote on discounts, some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, you won’t be that lucky. But any discount should help reduce your auto insurance premiums.

Some of the larger companies that may offer quotes with many of the previously listed discounts include:

When getting free auto insurance quotes, it’s a good idea to every company to give you their best rates. All car insurance discounts may not apply to policies everywhere.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.

For example, these questions might point out if you might need professional guidance.

  • Is a fancy paint job covered?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I wreck a rental car?
  • Is my babysitter covered when using my vehicle?
  • What is no-fault insurance?
  • Is my cargo covered for damage or theft?
  • What is medical payments coverage?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

How you can control Ford Econoline Wagon insurance costs

Lots of factors are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but some are less obvious like where you live or your commute time.

The items below are some of the things that factor into your rates.

  • Vehicle features impact premiums – Choosing to buy a car that has an advanced theft prevention system can save you some money. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Never let your policy expire – Having a gap between insurance policy dates is a guaranteed way to bump up your insurance costs. Not only will you pay higher rates, the inability to provide proof of insurance may result in fines or a revoked license.
  • Policy add-ons add up – There are a ton of optional add-on coverages that sound like a good idea at the time but may not be useful. Add-on coverages like replacement cost coverage, towing coverage, and motor club memberships are some examples. They may sound like good ideas when talking to your agent, but if you have no use for them eliminate them to save money.
  • Lower rates by increasing comp and collision deductibles – Comp and collision deductibles represent how much money you are willing to pay if a claim is determined to be covered. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some coverage claims are a windshield broken by a bird, hail damage, and damage from wind. The larger the amount you pay before a claim is paid (deductible), the less your insurance will be for Econoline Wagon insurance.
  • Big city or small town – Living in a small town can save you money when trying to find low car insurance rates. Lower population means fewer accidents in addition to fewer liability claims. Residents of big cities have to deal with more road rage incidents and longer commutes to work. Longer commute distances means higher likelihood of an accident.
  • Lower rates with a multi-policy discount – Lots of insurers apply a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Even if you already get this discount, it’s still a good idea to check prices from other companies to make sure you are getting the best deal.There is a good possibility that you can save more without the discount by insuring with multiple companies.
  • Youthful drivers pay more – More experienced drivers are more cautious drivers, are lower risk to insure and are safer drivers.Teen drivers tend to be more careless when driving and because of this, their insurance rates are much higher.

Insurance coverage companies are expert advertisers

Drivers can’t escape the ads that claim the cheapest car insurance rates from the likes of Progressive, Geico, Allstate and State Farm. They all seem to convey the message that drivers will save a bundle if you change to them.

How is it plausible that every one can charge less that you’re paying now? It’s all in the numbers.

All the different companies give the cheapest rates for the type of driver that will be a good risk. A good example of a preferred risk might be between the ages of 30 and 45, has no claims, and chooses high deductibles. Any customer that matches those criteria receive the lowest rate quotes and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who do not match the “perfect” profile may be forced to pay higher prices which usually ends up with business not being written. If you listen to the ad wording, they say “people that switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can confidently make those statements.

This illustrates why it is so important to compare as many free auto insurance quotes as you can. Because you cannot predict which insurance companies will have the best car insurance rates.

Insurance coverage basics

Knowing the specifics of a insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Auto liability – Liability insurance protects you from injuries or damage you cause to other people or property. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, pain and suffering and court costs. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive auto coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, hitting a bird, hail damage and theft. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – This pays for damage to your Econoline Wagon resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2001 Ford Econoline Wagon.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for expenses for funeral costs, dental work, pain medications and ambulance fees. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Quote often and quote early

We covered many tips how you can compare 2001 Ford Econoline Wagon insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of getting cheaper auto insurance. Consumers could even find that the biggest savings come from the smaller companies.

Insureds switch companies for many reasons like questionable increases in premium, policy non-renewal, delays in responding to claim requests or even delays in paying claims. No matter why you want to switch, finding a new company can be less work than you think.

A few companies don’t offer rates over the internet and these smaller companies only sell coverage through independent agencies. Affordable 2001 Ford Econoline Wagon insurance can be found both online as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money.

Additional auto insurance information is available at these links: