View 2010 Ford E-Series Wagon Insurance Quotes

Looking for lower insurance coverage rates? Shoppers have a choice when shopping for low-cost Ford E-Series Wagon insurance. You can either waste hours struggling with agents to get rate comparisons or use the internet to make rate comparisons.

There is a better way to buy insurance coverage and we’ll show you the best way to compare rates for a new or used Ford and find the cheapest rates from local insurance agents and online providers.

You should take the time to do rate comparisons before your policy renews since rates tend to go up over time. Even if you think you had the best rates on E-Series Wagon coverage six months ago you can probably find a better price now. You can find a lot of wrong information about insurance coverage online, so I’m going to show you some guaranteed methods to save money.

These factors can influence Ford E-Series Wagon insurance rates

Consumers need to have an understanding of the different types of things that help determine car insurance rates. Knowing what controls the rates you pay enables informed choices that will entitle you to lower car insurance prices.

The following are some of the factors car insurance companies consider when setting prices.

  • Occupation reflects on rates – Careers like real estate brokers, social workers and accountants have higher rates than average in part from high stress and lengthy work days. On the flip side, occupations like actors, athletes and retirees get better rates on E-Series Wagon coverage.
  • Marriage brings a discount – Having a spouse actually saves money when buying car insurance. Marriage is viewed as being more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Theft deterrents lower rates – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Mature drivers pay less – Young drivers are known to be more careless in a vehicle so car insurance rates are higher. Mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.

Discounts are available to cut your rates

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied when you purchase, but some may not be applied and must be inquired about before you get the savings. If you don’t get every credit possible, you are paying more than you should be.

  • Auto/Home Discount – When you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Life Insurance – Larger companies have lower rates if you buy life insurance.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on E-Series Wagon coverage than less cautious drivers.

It’s important to understand that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you can get free auto insurance, you won’t be that lucky. But all discounts will help reduce your premiums.

Car insurance companies that may offer these discounts include:

Check with each company which discounts they offer. Savings might not be offered in your state.

Everyone needs different coverages

When it comes to buying adequate coverage, there is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether you may require specific advice.

  • Which is better, split liability limits or combined limits?
  • Is my custom paint covered by insurance?
  • What companies insure drivers after a DUI or DWI?
  • Is my camper covered by my car insurance policy?
  • Do I need rental car coverage?
  • Will my insurance pay for OEM parts?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.

Parts of your insurance policy

Knowing the specifics of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverage

Collision coverage covers damage to your E-Series Wagon from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, scraping a guard rail, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on other people or property. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as emergency aid, bail bonds, medical services, court costs and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills such as doctor visits, nursing services and prosthetic devices. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance covers 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 can pay for things like vandalism, hail damage, fire damage, rock chips in glass and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Shop smart and save

Consumers change insurance companies for any number of reasons including policy cancellation, unfair underwriting practices, lack of trust in their agent or delays in paying claims. It doesn’t matter why you want to switch switching companies can be pretty painless.

When shopping online for insurance, it’s a bad idea to reduce needed coverages to save money. In too many instances, someone dropped comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The aim is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

The cheapest 2010 Ford E-Series Wagon insurance is attainable online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Helpful articles