View 1999 Ford Econoline Cargo Car Insurance Cost

Nobody I know likes having to buy auto insurance, especially knowing they are paying too much.

Since consumers have many choices, it can be hard to choose the cheapest car insurance company.

How to save on Ford Econoline Cargo insurance

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be specifically requested prior to receiving the credit.

  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for Econoline Cargo insurance with certain companies.
  • Clubs and Organizations – Affiliation with certain professional organizations may earn a discount on auto insurance for Econoline Cargo insurance.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current policy expires. It can save you around 10%.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Senior Citizens – If you’re over the age of 55, you may receive a small decrease in premiums for Econoline Cargo insurance.
  • No Accidents – Good drivers with no accidents pay less as compared to accident-prone drivers.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Life Insurance – Larger companies have a break if you buy life insurance from them.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in high school.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will bring down your overall premium however.

Car insurance companies that possibly offer these money-saving discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Discounts might not apply everywhere.

These factors can influence what you pay for Ford Econoline Cargo insurance

It’s important that you understand some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that will entitle you to lower auto insurance prices.

The list below includes a few of the “ingredients” auto insurance companies consider when setting prices.

  • Special features that cut premiums – Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Your job and insurance rates – Jobs such as doctors, architects and financial analysts tend to pay higher average rates because of high stress and long work days. Conversely, occupations such as farmers, engineers and the unemployed have the lowest average rates for Econoline Cargo insurance.
  • Proper usage rating affects rates – Driving more miles each year the higher your rates will be. The majority of insurers charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use can get a lower rate compared to those used for work or business. Improper usage on your Econoline Cargo may be costing you. Double check that your auto insurance coverage is rated on the proper vehicle usage, because it can save money.
  • Careful drivers pay lower rates – A bad driving record has a huge affect on how much you pay. Careful drivers get better rates than their less careful counterparts. Even a single citation can boost insurance rates forty percent or more. If you have dangerous violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • Is extra glass coverage worth it?
  • Can my babysitter drive my car?
  • Do I benefit by insuring my home with the same company?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered when driving on a suspended license?
  • Is my trailer covered?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Don’t be fooled by advertising claims

Insurance coverage companies such as Progressive, Allstate and GEICO consistently run ads on television and other media. They all seem to make the same claim of big savings if you change to their company. How do they all say the same thing?

Different companies are able to cherry pick for the driver that makes them money. An example of a profitable customer could possibly be between 30 and 50, has no tickets, and has a high credit rating. A customer getting a price quote who meets those qualifications will get the preferred rates and most likely will cut their rates substantially.

Potential insureds who don’t qualify for this ideal profile will be quoted a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can make those claims.

This emphasizes why you need to get quotes from several different companies. It’s impossible to know which insurance companies will have the lowest Ford Econoline Cargo insurance rates.

Auto insurance coverage information

Having a good grasp of your policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Collision coverages – Collision coverage covers damage to your Econoline Cargo resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, colliding with a tree, scraping a guard rail, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability – This protects you from damage that occurs to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

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 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like bail bonds, court costs, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive protection – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, hitting a bird, damage from a tornado or hurricane, rock chips in glass and a broken windshield. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Ford Econoline Cargo.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, ambulance fees, dental work, X-ray expenses and pain medications. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Have money to burn

Cheaper 1999 Ford Econoline Cargo insurance can be found both online in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some auto insurance companies do not provide online quoting and these regional insurance providers work with independent agents.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability coverage limits and found out when filing a claim that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

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