Compare 2010 Ford E-Series Van Car Insurance Cost

Searching for better auto insurance rates for your Ford E-Series Van? Paying for high-priced Ford E-Series Van insurance can stress out your personal savings and make it tough to pay other bills. Doing a rate comparison is free and is an excellent way to reduce premiums and put more money in your pocket.

Since you have so many auto insurance companies to choose from, it’s difficult to choose the cheapest insurance company.

This article will introduce you to the best way to quote coverages and some money-saving tips. If you have car insurance now, you will most likely be able to cut costs considerably using these methods. Consumers only need an understanding of the best way to shop their coverage around online.

Cheap insurance

There are multiple methods to shop for insurance, but one way is more efficient than others. You could waste time discussing policy coverages with insurance agencies in your area, or you could use online quoting to get the quickest rates.

Many of the larger companies are enrolled in a marketplace where insurance shoppers send in one quote, and each participating company returns a rated price based on the submitted data. This saves time by eliminating quote forms for each company you want a rate for. To access this free quoting program, click here to start a free quote.

The one downside to getting quotes like this is buyers cannot specifically choose the insurers to get quotes from. So if you want to choose specific providers to receive pricing from, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but compare identical coverage limits with every price quote. If you enter different values for each quote you can’t possibly determine the best price for your Ford E-Series Van.

Get lower-cost insurance costs by understanding these factors

Many different elements are taken into consideration when quoting car insurance. Some factors are common sense like an MVR report, although some other factors are more obscure such as whether you are married or how safe your car is.

Shown below are some of the major factors companies use to determine rates.

  • Responsible drivers have lower costs – Whether or not you get tickets influences premium rates substantially. Having a single ticket can increase the cost of insurance by as much as thirty percent. Careful drivers pay lower auto insurance prices compared to bad drivers. Drivers with severe tickets such as DUI or willful reckless driving might be required by their state to maintain a SR-22 with their state DMV in order to keep their license.
  • Does auto insurance cost less for women? – Statistics show that females take fewer risks when driving. This data doesn’t prove that men are worse drivers. Men and women tend to get into fender benders in similar percentages, but guys tend to have more serious accidents. Men also have more aggressive citations like DWI (DUI) or reckless driving.
  • You might pay higher prices if you are single – Having a significant other can get you a discount when shopping for insurance. Marriage usually means you are more financially stable and statistics show being married results in fewer claims.
  • Cars with good safety ratings means cheaper insurance rates – Safe vehicles tend to have lower insurance rates. These vehicles reduce injuries and reduced instances of injuries translates into savings for insurance companies passed on to you as lower rates.
  • Consolidate home and auto and save – The majority of insurers provide a discount to buyers that have more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to compare other company rates to help guarantee you have the best rates.

Are you receiving every discount?

Some insurance providers don’t necessarily list every policy discount in an easy-to-find place, so we break down a few of the more common as well as the least known discounts that may be available.

  • Defensive Driver Discount – Participating in a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Early Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Cautious Drivers – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote on E-Series van insurance than their less cautious counterparts.
  • Mature Driver Discount – Drivers that qualify as senior citizens may qualify for lower premium rates on E-Series van insurance.
  • Student Discounts – Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
  • Government Employees – Having worked for a branch of the government could provide a small rate reduction on E-Series van insurance with some insurance companies.
  • E-sign Discounts – A handful of insurance companies provide a small discount for completing your application online.
  • Multi-line Discount – Insurance companies who offer life insurance give a discounted price on car insurance if you buy a life insurance policy as well.
  • Discounts for Multiple Vehicles – Having multiple vehicles on a single policy can reduce rates for all insured vehicles.
  • Discount for New Cars – Adding a new car to your policy can get you a discount because new vehicles have to meet stringent safety requirements.

Don’t be surprised that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

If you would like to choose from a list of companies that can offer you the previously mentioned discounts, click here.

When in doubt talk to an agent

When choosing the best insurance coverage coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions could help you determine whether or not you may require specific advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Can my babysitter drive my car?
  • What can I do if my company won’t pay a claim?
  • Am I covered if I crash into my own garage door?
  • Should I have a commercial auto policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is pleasure use cheaper than using my 2010 Ford E-Series Van to commute?
  • Does my insurance cover my expensive audio equipment?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

The coverage is in the details

Understanding the coverages of your insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Liability coverages

This will cover damage that occurs to a person or their property that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical expenses, repair costs for stationary objects and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for collisions

This pays for damage to your E-Series Van resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, driving through your garage door, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, damage from a tornado or hurricane, vandalism, damage from getting keyed and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses for dental work, surgery and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Never pay more for less

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Throughout this article, we presented many ideas to shop for 2010 Ford E-Series Van insurance online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a small local company. Some small companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.

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