Lower Your 1999 Ford Econoline Wagon Car Insurance Quotes

Overpriced Ford Econoline Wagon insurance can empty your personal savings and make it hard to pay other bills. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Popular companies such as State Farm, Progressive and GEICO constantly bombard you with advertising and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.

You should take the time to get comparison quotes occasionally due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the lowest rates on Econoline Wagon coverage a couple years back you may be paying too much now. Don’t believe everything you read about auto insurance online but with this article, you’re going to get some great ways to put money back in your pocket.

Comprehensive Auto Insurance Comparison Quotes

Most companies quote prices online. This process doesn’t take much effort as you simply type in your required coverages into a form. After you submit the form the system will order information on your driving record and credit history and returns a price determined by many factors. Quoting online makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively type in the same information can be a bit repetitive. Unfortunately, it is important to perform this step in order to get the best price on auto insurance.

Rate comparisons made easy

The smarter way to get multiple rate quotes uses one simple form to return rates from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much more enjoyable. After sending your information, your coverage is rated and you can choose your choice of the returned quotes.

If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

To save time and use this form to compare rates, click here to open in new window and enter your information. If you currently have coverage, we recommend that you enter coverages and limits identical to your current policy. This guarantees you will have a price comparison based on similar coverages.

Save $413 a year? Really?

Insurance companies such as Allstate and Progressive regularly use television and radio advertisements. They all seem to make an identical promise that you can save if you move your policy. How do they all make the same claim? It’s all in the numbers.

Insurance companies have a preferred profile for the type of driver that is profitable for them. An example of a driver they prefer might be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters is entitled to the best price and as a result will probably save quite a bit of money when switching.

Consumers who don’t qualify for this ideal profile will be quoted higher premiums which leads to business going elsewhere. The ad wording is “drivers who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently advertise the savings.

This emphasizes why it’s extremely important to get as many comparisons as possible. It’s just too difficult to predict the company that will provide you with the cheapest Ford Econoline Wagon insurance rates.

These factors can influence Ford Econoline Wagon insurance rates

An important part of buying insurance is that you know the rating factors that come into play when calculating your auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Being married is a good thing – Having a spouse can get you a discount when buying auto insurance. It means you’re more mature and statistics show drivers who are married are more cautious.
  • One company can mean more discounts – Many insurance companies provide better rates to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to comparison shop to ensure the best deal.
  • Policy add-ons can waste money – There are quite a few extra bells and whistles that you can get tricked into buying on your Econoline Wagon policy. Coverages like rental car reimbursement, accidental death and motor club memberships may be wasting your money. They may seem good at first, but if you don’t need them get rid of them and save.
  • Frequent auto insurance claims increase rates – Companies award better rates to people who are claim-free. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for the large, substantial claims.

Companies offer discounts so take them!

Insuring your fleet can be pricey, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically at quote time, but a few must be asked for before you get the savings.

  • Good Student Discount – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Homeowners Discount – Simply owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Senior Discount – Mature drivers can possibly qualify for a discount up to 10% on Econoline Wagon coverage.
  • Multiple Vehicles – Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • Safety Course Discount – Completing a driver safety course could save 5% or more if your company offers it.
  • Save with a New Car – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Club Memberships – Belonging to certain professional organizations could qualify you for a break on insurance coverage on Econoline Wagon coverage.
  • Resident Student – Kids in college living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only reduce specific coverage prices like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will help reduce your premiums.

For a list of companies who offer insurance coverage discounts, follow this link.

Do I just need basic coverages?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • Are rock chip repairs covered?
  • Do I need roadside assistance coverage?
  • When can I cancel my policy?
  • Should I have a commercial auto policy?
  • Should I have combined single limit or split liability limits?
  • Can my teen drive my company car?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance coverages 101

Learning about specific coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical expenses, loss of income, attorney fees and legal defense fees. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, damage from a tornado or hurricane, falling objects, damage from flooding and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – This coverage will pay to fix damage to your Econoline Wagon resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, hitting a parking meter, backing into a parked car, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as chiropractic care, X-ray expenses, nursing services, EMT expenses and doctor visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Econoline Wagon.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Summing up your insurance coverage search

Budget-conscious 1999 Ford Econoline Wagon insurance is attainable from both online companies and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice physical damage coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

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