2014 Ford E-Series Wagon Insurance Quotes – 6 Discounts for Best Rates

Searching for better insurance rates for your Ford E-Series Wagon? Pricey Ford E-Series Wagon insurance can draw down your bank account and force you to tighten up your finances. Getting a rate comparison is a smart way to ensure you are getting the best deal.

Because you have many options, it is hard for the average consumer to locate the most cost effective company.

The purpose of this post is to help educate you on the best way to quote coverages. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Vehicle owners only need an understanding of the most effective way to find the lowest price online.

Insurance coverage quotes comparison

Finding more affordable 2014 Ford E-Series Wagon insurance coverage rates is pretty simple and can save money. All you need to do is invest a few minutes comparing rates online from several insurance companies. It’s really simple and can be done in just a few minutes using one of these methods.

  1. If you don’t have a lot of time, the easiest way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing boring form submissions to each individual insurance coverage company. One quote request will get you rate comparisons from multiple companies.
  2. A harder way to get comparison quotes consists of visiting the website of each company and fill out their own quote form. For instance, let’s assume you want to compare prices for Farmers, Geico and Progressive. To find out each rate you need to navigate to each company’s site and repeatedly enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. If you have time to kill, the last way to price shop rates is actually driving to local insurance agencies. The fact that you can get quotes online eliminates this option unless you’re the type of person who wants the guidance of a local agency. It is possible with some companies get the lowest quotes online and still use a local agent.

However you get your quotes, make darn sure you compare nearly identical coverage limits and deductibles for each quote you get. If each company quotes unequal deductibles or liability limits it will be nearly impossible to make a fair rate comparison.

Be skeptical of car insurance ads

Consumers can’t avoid all the ads for cheaper car insurance by companies like Allstate and Progressive. All the ads advertise claims that drivers can save some big amount if you move to their company.

It sounds good, but how can they all say the same thing? It’s all in the numbers.

Insurance companies quote their best rates for the driver that will generate a profit. One example of this type of insured might be over the age of 45, has had continuous coverage, and drives a car with an anti-theft system. Any driver who matches that profile will probably get the lowest rates and will also save when they switch companies.

Potential insureds who don’t measure up to these standards will be charged higher premiums with the end result being the customer not buying. The wording the ads use say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can make those statements.

This really illustrates why it’s extremely important to get price quotes at each policy renewal. It’s impossible to know the company that will provide you with the cheapest auto insurance rates.

Take advantage of every insurance coverage discount

Car insurance can cost a lot, but you may be missing some discounts that many consumers don’t even know exist. A few discounts will be applied at quote time, but lesser-known reductions have to be asked about prior to getting the savings.

  • Bundled Policy Discount – When you have multiple policies with the same insurance company you could earn a discount of 10% to 20% off each policy.
  • Theft Deterent System – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Good Student – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
  • Low Mileage Discounts – Keeping the miles down on your Ford can earn slightly better insurance coveragerates than normal.
  • Driving Data Discount – Policyholders that allow driving data submission to scrutinize when and where they use their vehicle remotely such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they are good drivers.
  • Multi-line Discount – If the company offers life insurance, you could get better prices if you take out life insurance from them.

One thing to note about discounts is that some credits don’t apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, you won’t be that lucky.

A list of insurance coverage companies and a selection of discounts are outlined below.

  • Geico may offer discounts for defensive driver, daytime running lights, air bags, five-year accident-free, multi-policy, membership and employees, and anti-theft.
  • Mercury Insurance offers discounts for good driver, accident-free, professional/association, low natural disaster claims, anti-theft, and age of vehicle.
  • Farmers Insurance has discounts for early shopping, business and professional, pay in full, mature driver, and bundle discounts.
  • Auto-Owners Insurance offers discounts including anti-lock brakes, paid in full, safe driver, anti-theft, safe vehicle, and air bags.
  • Liberty Mutual may have discounts that include newly married, good student, multi-policy, safety features, and new move discount.
  • SAFECO policyholders can earn discounts including anti-theft, drive less, accident prevention training, teen safety rewards, and homeowner.
  • Progressive discounts include continuous coverage, multi-vehicle, good student, online quote discount, homeowner, and online signing.
  • USAA offers premium reductions for multi-vehicle, safe driver, driver training, family discount, and good student.

When getting a coverage quote, ask all companies you are considering which discounts can lower your rates. Some discounts listed above might not be available to policyholders in your area.

How to know if you need help

When choosing the best insurance coverage coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

  • Who is covered when they drive my 2014 Ford E-Series Wagon?
  • Is there coverage for injuries to my pets?
  • Does my insurance cover my expensive audio equipment?
  • Do I need motorclub coverage?
  • Does insurance cover tools stolen from my truck?
  • Is my 2014 Ford E-Series Wagon covered for smoke damage?
  • Do I have coverage when using my vehicle for my home business?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

The coverage is in the details

Understanding the coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as nursing services, funeral costs, prosthetic devices, doctor visits and dental work. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Liability auto insurance – Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, pain and suffering, court costs and loss of income. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Collision coverages – This coverage will pay to fix damage to your E-Series Wagon resulting from colliding 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 such as sustaining damage from a pot hole, crashing into a ditch and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, fire damage, a tree branch falling on your vehicle, damage from flooding and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

In conclusion

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice collision coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best cost while still protecting your assets.

In this article, we presented a lot of information how to shop for 2014 Ford E-Series Wagon insurance online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting the cheapest insurance. Consumers could even find that the lowest priced car insurance comes from an unexpected company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

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