Save on 2012 Ford E-Series Van Car Insurance Rates

Drivers have lots of choices when trying to find the lowest priced Ford E-Series Van insurance. You can either spend your time contacting agents getting price quotes or save time using the internet to get rate quotes.

There are more efficient ways to compare insurance rates and you need to know the quickest way to get price quotes for a Ford and locate the lowest possible price from both online companies and local agents.

Comprehensive Insurance Comparison

There are several ways to shop for Ford E-Series Van insurance, but one way is easier and takes less work. You can waste a lot of time driving to local insurance agents in your area, or you can utilize online quoting to maximize your effort.

Most of the larger companies take part in a program where insurance shoppers submit their information once, and each participating company can provide price quotes based on the submitted data. This saves time by eliminating quote requests to every company.

To use this form to compare 2012 Ford E-Series Van insurance rates click here to start a free quote.

The one downside to getting quotes like this is you cannot specify which carriers to receive prices from. If you would rather choose specific insurance companies to compare prices, we have assembled a list of companies who write insurance in your area. Click here to view list.

However you get your quotes, ensure you are comparing exactly the same deductibles and coverage limits with each company. If you compare different liability limits you will not be able to make a fair comparison for your Ford E-Series Van.

Buyer beware of insurance coverage advertising tricks

Drivers can’t ignore all the ads for the lowest price auto insurance from companies such as Progressive, Allstate and GEICO. All the ads make an identical promise about savings if you change your policy.

But how can every company say the same thing? This is how they do it.

Different companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured might be profiled as between 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. A driver who fits that profile will qualify for the lowest rates and therefore will cut their rates substantially.

Drivers who do not match these standards will be charged a higher premium and this can result in business going elsewhere. The ad wording is “drivers who switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently advertise the savings.

That is why drivers should quote coverage with many companies. It’s impossible to know which insurance companies will provide you with the cheapest Ford E-Series Van insurance rates.

Impacting insurance rates for a Ford E-Series Van

Consumers need to have an understanding of the factors that come into play when calculating your insurance coverage rates. Knowing what determines base rates enables informed choices that can help you get much lower annual insurance costs.

The list below includes some of the items insurance coverage companies consider when setting your rates.

  • Older drivers pay less – Young drivers have a tendency to be careless and easily distracted when behind the wheel so insurance coverage rates are higher. Older insureds are more cautious drivers, file fewer claims and get fewer tickets.
  • High deductibles save money – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Ford from damage. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and burglary. The deductibles are the amount of money you are willing to pay if you file a covered claim. The more money the insured has to pay upfront, the less your company will charge you for insurance on E-Series van coverage.
  • Big city or small town – Living in a rural area can save you money when insuring your vehicles. Fewer people means reduced accidents and also fewer theft and vandalism claims. Urban drivers regularly have traffic congestion and much longer commute distances. Higher commute times translates into higher accident risk.
  • Frequent insurance coverage claims increase rates – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies generally give better rates to people who do not file claims often. Auto insurance is intended for the large, substantial claims.
  • Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Rate your vehicle for proper use – The higher the mileage driven in a year the more you will pay for insurance coverage. Almost all companies charge to insure your cars based on how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Having the wrong rating on your E-Series Van may be wasting your money. Make sure your insurance coverage declarations sheet is rated on the correct usage for each vehicle, because it can save money.
  • Tickets mean higher rates – Your driving record has a huge affect on how much you pay. Good drivers have lower premiums than people who have multiple driving citations. Only having one speeding ticket can increase rates by twenty percent. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Men are more aggressive – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. They both have accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get more serious tickets like reckless driving and DUI.

Save money by taking advantage of these discounts

Car insurance can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but a few must be manually applied before you get the savings. If you’re not getting every credit available, you are throwing money away.

  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off on E-Series van coverage depending on your company.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less on E-Series van coverage than less cautious drivers.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
  • Low Mileage – Fewer annual miles on your Ford could qualify for better rates on cars that stay parked.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will reduce your overall premium however.

Companies that possibly offer some of the above discounts include:

Check with each company which discounts they offer. Some discounts might not apply in your area.

When should I use an insurance agent?

When choosing the best insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether you would benefit from an agent’s advice.

  • Should I put collision coverage on all my vehicles?
  • Can I still get insurance after a DUI?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I getting all the discounts available?
  • Is a fancy paint job covered?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverage information

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This provides protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2012 Ford E-Series Van.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Comprehensive coverages – This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, hitting a bird, damage from getting keyed and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage – This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as pain and suffering, medical expenses, funeral expenses, medical services and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Collision – Collision insurance covers damage to your E-Series Van caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, rolling your car, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for doctor visits, funeral costs, hospital visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

More choices the merrier

Budget-conscious 2012 Ford E-Series Van insurance can be bought online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. Too many times, someone dropped full coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at the best price.

Consumers change insurance companies for a variety of reasons including delays in paying claims, extreme rates for teen drivers, not issuing a premium refund and even policy cancellation. No matter why you want to switch, switching companies can be easy and end up saving you some money.

Much more information about insurance coverage can be found on the following sites: