Compare 2012 Ford E-Series Wagon Car Insurance Rates

Trying to find more affordable Driversauto insurance is always nearly impossible for drivers not familiar with online rate comparisons. People have so many agents and companies to choose from that it can quickly become a real challenge to compare prices.

It’s a good habit to do rate comparisons before your policy renews due to the fact that insurance prices change regularly. Just because you had the best rate on E-Series Wagon coverage a couple years back a different company probably has better premium rates today. Forget all the misinformation about auto insurance because it’s time to teach you the best way to save money, get proper coverage and the best rates.

Components of your Ford E-Series Wagon insurance rates

Lots of factors are used in the calculation when quoting car insurance. Some are pretty understandable such as traffic violations, but some are less obvious like your continuous coverage and annual miles driven.

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

  • Your liability protection limits – Liability insurance will protect you when you are determined to be liable for personal injury or accident damage. It provides for a legal defense to defend your case. This coverage is very inexpensive compared to other policy coverages, so do not cut corners here.
  • No policy lapses lowers rates – Letting your insurance expire will be a sure-fire way to bump up your insurance coverage costs. In addition to paying higher rates, being ticketed for driving with no insurance may result in a steep fine or even jail time.
  • Buy a safe car and pay less – Safer cars tend to have better insurance rates. These vehicles reduce the chance of injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford E-Series Wagon is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Car and home together may be cheaper – Many insurers allow better rates to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you already get this discount, you still need to comparison shop to confirm you are receiving the best rates possible. You may still save even more by splitting coverages up.

Cheap insurance coverage rates with discounts

Insurance coverage is not inexpensive, but you might already qualify for some discounts that you may not even know about. Some of these disounts will be visible at the time of purchase, but some must be inquired about before they will apply. If you aren’t receiving every discount possible, you are throwing money away.

  • Paper-free Discount – Some larger companies will provide an incentive simply for signing on the internet.
  • New Vehicle Savings – Buying a new car instead of a used car can save you some money compared to insuring an older model.
  • Distant Student – Children who live away from home to go to college and leave their car at home may qualify for this discount.
  • Waiver for an Accident – This isn’t a discount exactly, but certain companies will forgive one accident without raising rates so long as you are claim-free for a particular time prior to the accident.
  • Defensive Driver – Passing a course teaching driver safety skills could cut 5% off your bill and easily pay for the cost of the class.
  • Theft Deterent System – Cars with anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction on E-Series Wagon coverage but check with your company.
  • ABS Braking Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
  • Claim Free – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote in comparison to policyholders that have many claims.

One last thing about discounts, some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way.

To choose insurance companies that offer the discounts shown above, click this link.

Tailor your insurance coverage coverage to you

When buying coverage, there really is not a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

  • Is my nanny covered when driving my vehicle?
  • Am I covered when using my vehicle for business?
  • Should I have combined single limit or split liability limits?
  • Is motorclub coverage worth it?
  • Is my cargo covered for damage or theft?
  • Does my policy pay for OEM or aftermarket parts?

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

Specifics of your car insurance policy

Having a good grasp of car insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford E-Series Wagon.

Since a lot of drivers carry very low liability coverage limits, 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 these limits do not exceed the liability coverage limits.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for EMT expenses, X-ray expenses and chiropractic care. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, hail damage and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, backing into a parked car, rolling your car, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Liability coverage

Liability insurance provides protection from damage that occurs to a person or their property. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like structural damage, funeral expenses, bail bonds, loss of income and medical expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Coverage on a shoestring budget

Throughout this article, we presented a lot of ways to get a better price on 2012 Ford E-Series Wagon insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the best prices are with some of the lesser-known companies.

Insureds leave their current company for many reasons like high prices, high rates after DUI convictions, not issuing a premium refund and lack of trust in their agent. No matter why you want to switch, finding the right auto insurance provider can be easy and end up saving you some money.

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best cost, not the least amount of coverage.

Additional auto insurance information is available below: