Compare 2013 Ford E-Series Van Insurance Rates

No one in their right mind enjoys paying for auto insurance, particularly when their premiums are through the roof. Because you have many auto insurance companies to choose from, it can be challenging to choose the most affordable insurer.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you will be able to save some money using these tips. Drivers just need to learn how to compare rates online.

How to Buy Car Insurance Online

There are a lot of ways to shop for car insurance, but some are less labor-intensive and much quicker. You could spend the better part of a day driving to insurance companies in your area, or you can utilize the internet to get pricing more quickly.

Many popular insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each company returns a rated price based on that information. This prevents consumers from doing form submissions to every company.

To find out what other companies charge for 2013 Ford E-Series Van insurance click here to start a free quote.

One minor caviat to getting quotes like this is you cannot specify the companies you want pricing from. If you prefer to choose from a list of companies to compare rates, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same quote information on every quote you get. If you compare differing limits it will be impossible to find the best deal for your Ford E-Series Van.

Your coverage should be tailored to you

When buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help you determine whether you might need professional guidance.

  • How many claims can I have before being cancelled?
  • Can my babysitter drive my car?
  • Does my car insurance cover rental cars?
  • How high should my medical payments coverage be?
  • What if I total my 2013 Ford E-Series Van and owe more than it’s worth?
  • When should my teen driver be added to my policy?
  • Is rental equipment covered for theft or damage?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Insurance coverage specifics

Learning about specific coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by insurance companies.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as repair costs for stationary objects, legal defense fees, structural damage, emergency aid and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

This pays for damage to your E-Series Van resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, driving through your garage door, colliding with a tree and backing into a parked car. 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. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, a broken windshield, rock chips in glass, vandalism and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills for dental work, EMT expenses and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Ford E-Series Van.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.