2000 Ford Econoline Wagon Insurance Cost – 8 Tips to Save

Looking for the cheapest insurance rates for your Ford Econoline Wagon? Are you tired of robbing Peter to pay Paul to insure your Ford every month? You are in the same boat as millions of other consumers.

Having so many options when it comes to insurance, it can be challenging to choose the lowest price insurer.

Shopping for the cheapest auto insurance coverage is quite easy. In a nutshell, anyone who is shopping for auto insurance most likely will be able to reduce their rates. But vehicle owners must understand the methods companies use to sell insurance online and take advantage of how the system works.

Low Cost Auto Insurance

When shopping for auto insurance there are multiple ways to compare rate quotes from auto insurance companies in your area. The easiest way to find competitive 2000 Ford Econoline Wagon insurance rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

  1. One of the best ways to get quotes is to use a rate comparison form click here to open form in new window. This method keeps you from doing separate quotes for each company you want a rate for. A single form gets rate comparisons instantly.
  2. A more time consuming way to shop for auto insurance online requires you to visit each individual company website and complete a new quote form. For sake of this example, let’s say you want comparison quotes from Nationwide, Progressive and GMAC. You would have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming method of comparing rate quotes is driving around to local insurance agencies. Buying insurance online has reduced the need for local agents unless you require the professional advice that only a license agent can provide. You can, however, compare online quotes and still use a local agent and we’ll cover that in a bit.

It’s up to you which method you use, but double check that you are using identical coverage limits for each comparison quote. If each company quotes mixed coverages it’s not possible to make an equal comparison. Slightly different insurance coverages may result in a large different in cost. Just remember that comparing a large number of companies helps locate better pricing.

Do you qualify for these eight discounts?

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be specifically requested prior to getting the savings.

  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Discount for Good Grades – This discount can save 20 to 25%. This discount can apply up until you turn 25.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for Econoline Wagon insurance than drivers with accident claims.
  • No Claims – Claim-free drivers pay less compared to frequent claim filers.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Econoline Wagon insurance with select insurance companies.
  • No Charge for an Accident – Certain companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.

It’s important to note that most discounts do not apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will help reduce your overall premium however.

Car insurance companies that possibly offer these discounts may include but are not limited to:

Check with each insurance company which discounts you may be entitled to. Savings might not apply everywhere.

Don’t assume everyone needs the same coverage

When choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might point out whether you might need an agent’s assistance.

  • How much underlying liability do I need for an umbrella policy?
  • How can I get my company to pay me more for my totalled car?
  • Is my Ford Econoline Wagon covered if I use it for business?
  • How high should deductibles be on a 2000 Ford Econoline Wagon?
  • What is roadside assistance coverage?
  • Am I better off with higher deductibles on my 2000 Ford Econoline Wagon?
  • Am I covered when driving a rental car?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverages explained

Understanding the coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

Liability car insurance

This provides protection from damage or injury you incur to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, funeral expenses, emergency aid, bail bonds and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This coverage covers damage to your Econoline Wagon resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, a tree branch falling on your vehicle, theft and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses for pain medications, rehabilitation expenses, X-ray expenses, ambulance fees and funeral costs. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2000 Ford Econoline Wagon.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Get your money’s worth

We’ve covered many tips how you can compare 2000 Ford Econoline Wagon insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may be surprised to find that the best price on auto insurance is with the least-expected company. Regional companies often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

When trying to cut insurance costs, do not reduce needed coverages to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at a price you can afford while still protecting your assets.

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