Cheaper 2002 Ford Econoline Wagon Insurance Quotes

Trying to find better car insurance rates for your Ford Econoline Wagon? Having to pay for overpriced Ford Econoline Wagon insurance can drain your personal savings and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Companies like Allstate, Progressive and Geico promote their brand names with catchy ads and it is difficult to see past the geckos and flying pigs and find the best price available.

You should take the time to shop coverage around at least once a year since rates are adjusted regularly by insurance companies. Just because you had the best deal on Econoline Wagon coverage two years ago there may be better deals available now. You can find a lot of misleading information regarding car insurance on the internet, so we’re going to give you some of the best ways to slash your car insurance rates.

If you have a policy now or are looking for a new policy, you can use these techniques to get lower rates and still get good coverage. Finding the best rates is not that difficult. Vehicle owners just need to learn the most efficient way to compare prices over the internet.

Lower rates by qualifying for discounts

Companies that sell car insurance do not advertise all available discounts very well, so here is a list both well-publicized as well as the least known insurance savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Homeowners Discount – Owning a home can save you money because of the fact that having a home requires personal responsibility.
  • Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared to bad drivers.
  • Driver Safety – Successfully completing a defensive driving course could save 5% or more if your company offers it.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • E-sign – Some insurance companies give back up to $50 just for signing your application online.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Low Mileage Discounts – Fewer annual miles on your Ford can qualify you for a substantially lower rate.
  • Life Insurance – Larger companies have better rates if you take out auto and life insurance together.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.

It’s important to note that most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you could get a free insurance policy, you’re out of luck.

To see a list of companies with the best insurance discounts, click here.

Comparison of Car Insurance

All the larger car insurance companies like State Farm and Allstate provide pricing online. Obtaining pricing is fairly simple as you just type in your coverage preferences into a form. Once entered, their system will obtain credit information and your driving record and returns a price quote determined by many factors. Online price quotes simplifies rate comparisons, but the work required to visit different websites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible in order to find the best price on car insurance.

There is a better way!

An easier way to lower your car insurance bill is to use a quote form to get prices from many companies. It’s a real time-saver, eliminates form submissions, and makes online price comparison much more enjoyable and efficient. Once the form is submitted, your coverage is rated and you can select any of the resulting price quotes. If you find a better price you can simply submit the application and purchase the new policy. This process takes just a few minutes to complete and may result in a nice savings.

To find out how much you can save on car insurance, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you duplicate deductibles and limits exactly as shown on your declarations page. This guarantees you will have a fair comparison based on identical coverages.

Factors influencing Ford Econoline Wagon insurance rates

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for insurance. Knowing what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

  • Little extras can really add up – There are a ton of extra bells and whistles that you can buy on your insurance policy. Coverages for roadside assistance, towing coverage and additional equipment coverage may be costing you every month. They may seem like a good idea at first, but now you might not need them so eliminate them to save money.
  • Never allow your policy to lapse – Driving without insurance is against the law and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a steep fine or even jail time.You may have to prove you have insurance by filing a SR-22 with your state DMV.
  • Teen drivers pay high rates – Youthful drivers tend to get distracted easily in a vehicle so insurance rates are higher. Mature drivers are more responsible, tend to file fewer claims and receive fewer citations.
  • Do you know your deductibles? – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Ford from damage. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and burglary. Your deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more money the insured has to pay upfront, the less your insurance will be on Econoline Wagon coverage.
  • Being married is a good thing – Being married can actually save you money on insurance. Having a significant other means you’re more mature and it’s proven that married drivers get in fewer accidents.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • How can I get my company to pay me more for my totalled car?
  • Do I have newly-aquired coverage?
  • Who is covered when they drive my 2002 Ford Econoline Wagon?
  • Do I have coverage when making deliveries for my home business?
  • At what point should I drop full coverage?
  • Why is insurance for a teen driver so high?
  • What is covered by UM/UIM coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need more liability coverage?
  • Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Save $386 a year? Really?

Consumers can’t get away from ads for the lowest price auto insurance by companies like State Farm and Allstate. All the ads say the same thing that you’ll save big if you change to them.

How does each company make the same claim?

Different companies have a preferred profile for the right customer that is profitable for them. A good example of a profitable customer could be over the age of 40, has no prior claims, and drives less than 7,500 miles a year. A driver who matches those parameters will get the preferred rates and as a result will probably save quite a bit of money when switching.

Potential insureds who don’t meet these standards must pay higher prices which leads to the customer not buying. The ad wording is “customers who switch” not “everyone that quotes” save money. That’s why insurance companies can make those claims. This illustrates why drivers should quote coverage with many companies. It is impossible to predict which company will have the lowest Ford Econoline Wagon insurance rates.

Specifics of your insurance policy

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverages available from insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses such as ambulance fees, rehabilitation expenses and nursing services. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover 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

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, hitting a mailbox, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to 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 pays for claims such as bail bonds, loss of income, emergency aid, court costs and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, hail damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Shop smart and save

We’ve covered many tips how you can lower your 2002 Ford Econoline Wagon insurance rates. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a small mutual company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at the best price while still protecting your assets.

Lower-priced insurance is definitely available from both online companies as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer online price quotes and these small insurance companies work with independent agents.

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