Are you sick and tired of not being able to afford to insure your Ford every month? Your situation is no different than many other drivers.
Online insurance companies like State Farm and GEICO all promote huge savings with ads and consumers find it hard to see through the deception and take the time to shop coverage around.
It is always a good idea to take a look at other company’s rates occasionally since rates change quite often. Even if you think you had the best price for Econoline Cargo insurance a few years ago you may be paying too much now. Ignore everything you know about auto insurance because we’re going to demonstrate how to use online quotes to get good coverage at a lower rate.
Most companies give coverage price quotes on the web. Getting online rates is quite simple as you just enter your required coverages into the quote form. Upon sending the form, their system gets credit information and your driving record and returns pricing information determined by many factors. Quoting online streamlines rate comparisons, but the work required to visit many different websites and type in the same information is not the best way to spend an afternoon. But it is imperative to compare as many rates as possible if you want to find the lowest price.
The preferred way to find lower prices is to use a quote form that gets prices from multiple companies. The form is fast, helps eliminate reptitive entry, and makes online shopping much more enjoyable. As soon as you send your information, it is quoted and you are able to buy any of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and may result in a nice savings.
To find out if lower rates are available, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you input the limits and deductibles exactly as shown on your declarations page. This makes sure you will be getting a rate comparison based on the exact same insurance coverage.
When it comes to buying the best insurance coverage, there is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether you could use an agent’s help.
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.
Having a good grasp of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by auto insurance companies.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like prosthetic devices, surgery, rehabilitation expenses and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible
This coverage provides protection from damage or injury you incur to a person or their property in an accident. It protects you from legal claims by others. It does not cover 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. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.
Liability coverage protects against claims like repair costs for stationary objects, structural damage, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Econoline Cargo.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like hitting a deer, rock chips in glass, a tree branch falling on your vehicle, vandalism and hail damage. The maximum amount a auto 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 it’s not worth carrying full coverage.
Collision coverage covers damage to your Econoline Cargo caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like rolling your car, colliding with a tree, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.