2010 Ford E-Series Van Insurance Quotes – 10 Tips for Best Rates

Feel like you’re a prisoner to an overpriced car insurance policy? Trust us, you’re not alone.

Drivers have so many car insurance companies to insure vehicles with, and although it’s a good thing to have a selection, it makes it harder to find a good deal.

Take advantage of discounts

Companies don’t always advertise every discount very well, so here is a list both well-publicized as well as the least known savings tricks you should be using.

  • Drive Less and Save – Fewer annual miles on your Ford could qualify for a substantially lower rate.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
  • No Accidents – Claim-free drivers pay much less when compared to drivers who are more careless.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on E-Series van insurance depending on your company.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Senior Citizens – Older drivers may be able to get reduced rates on E-Series van insurance.
  • Accident Waiver – Some insurance companies permit an accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

Insurance companies who might offer these money-saving discounts include:

Check with all companies you are considering which discounts they offer. Savings may not be available everywhere.

How to know if you need help

When buying coverage, there isn’t really a single plan that fits everyone. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

  • Is my teen driver covered when they drive my company car?
  • What are the best liability limits?
  • Is business property covered if stolen from my car?
  • Do I need rental car coverage?
  • Am I covered if I break a side mirror?
  • What should my uninsured motorist coverage limits be in my state?
  • Does medical payments coverage apply to all occupants?
  • Is extra glass coverage worth it?
  • Does coverage extend to my business vehicle?
  • What is the ISO rating for a 2010 Ford E-Series Van?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Don’t listen to company ads

Car insurance companies such as State Farm, Allstate and Geico constantly bombard you with ads on television and other media. They all seem to have a common claim about savings if you switch to their company. How can each company say the same thing?

Different companies have a preferred profile for the type of customer that earns them a profit. For example, a desirable insured might be between the ages of 30 and 50, has no prior claims, and has great credit. A propective insured who matches those parameters will get very good rates and as a result will probably save when they switch companies.

Potential customers who do not match this ideal profile will have to pay a higher premium which leads to business going elsewhere. Company advertisements say “customers that switch” not “everyone that quotes” save that much. This is how insurance companies can confidently state the savings. Because of the profiling, you should get as many quotes as possible. It is impossible to predict which insurance companies will give you the biggest savings on Ford E-Series Van insurance.

Insurance coverage specifics

Knowing the specifics of your insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a deer, damage from getting keyed, damage from flooding and vandalism. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance

This coverage protects you from damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like court costs, legal defense fees, funeral expenses, loss of income and medical services. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like X-ray expenses, nursing services and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision coverage will pay to fix damage to your E-Series Van caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, sustaining damage from a pot hole, driving through your garage door, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford E-Series Van.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Take this to the bank

Affordable 2010 Ford E-Series Van insurance is definitely available both online in addition to many insurance agents, so compare prices from both to have the best selection. Some insurance providers do not provide the ability to get a quote online and these small insurance companies work with independent agents.

We’ve covered quite a bit of information on how to lower your insurance rates. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even find the biggest savings come from a small mutual company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or Geico.

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