2013 Ford E-Series Wagon Insurance Quotes – 5 Discounts for Cheaper Rates

Trying to find lower insurance rates for your Ford E-Series Wagon? Are you overwhelmed by the dozens of insurance company choices? You’re not alone. You have so many choices that it can quickly become a challenge to find better rates.

Smart consumers take time to check insurance prices at least once a year due to the fact that insurance rates fluctuate regularly. If you had the lowest rates for E-Series Wagon coverage last year there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the best methods to find the best coverage while lowering your premiums.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these tips. The purpose of this post is to tell you how to get online quotes and some tricks to saving. Nevertheless, consumers can benefit by having an understanding of the way insurance companies market on the web and take advantage of how the system works.

Pay less by taking advantage of these five discounts

Companies that sell car insurance don’t always list all their discounts very clearly, so here is a list both well-publicized as well as the least known ways to save on insurance.

  • Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Paperless Signup – Certain companies may give you up to $50 simply for signing over the internet.
  • Life Insurance Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% for E-Series Wagon coverage with certain companies.

It’s important to note that most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, insurance companies aren’t that generous.

Companies that may have these money-saving discounts are:

Before buying, ask each company which discounts they offer. Some discounts might not apply in every state.

Your coverage should be tailored to you

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether or not you will benefit from professional help.

  • Is extra glass coverage worth it?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when delivering products for my home-based business?
  • When should I buy a commercial auto policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my custom paint covered by insurance?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Educate yourself about insurance coverages

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability car insurance – Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as funeral expenses, medical services, repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford E-Series Wagon.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a bird and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Med pay and PIP coverage pay for immediate expenses for things like dental work, chiropractic care, ambulance fees and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, backing into a parked car, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

The bottom line

We just covered a lot of information how to get a better price on 2013 Ford E-Series Wagon insurance. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the best price on car insurance is with the least-expected company.

Insureds switch companies for a number of reasons such as denial of a claim, delays in responding to claim requests, high prices or even policy cancellation. Regardless of your reason, finding a new car insurance company is not as difficult as it may seem.

Cost effective insurance can be found from both online companies as well as from independent agents, and you should be comparing both to have the best rate selection. Some car insurance companies don’t offer online quoting and these small insurance companies work with independent agents.

For more information, take a look at the resources below: