Lower Your 2011 Ford E-Series Wagon Insurance Rates

Are you overwhelmed by the crazy number of auto insurance company choices? Many other drivers are as well. People have so many options that it can easily become a real hassle to find the lowest price.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. The purpose of this post is to introduce you to the best way to quote coverages. But car owners must comprehend the way insurance companies sell insurance online.

Don’t miss out on these money-saving discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to help bring down the price. Some trigger automatically at quote time, but less common discounts must be specially asked for prior to getting the savings.

  • Save over 55 – Older drivers may be able to get a discount up to 10% for E-Series Wagon insurance.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Life Insurance – Larger companies have a break if you buy life insurance.
  • Drivers Education – Have your child successfully complete driver’s ed class if offered at their school.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Seat Belts Save – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Drive Less and Save – Low mileage vehicles can earn lower rates on the low mileage vehicles.

A little note about advertised discounts, some of the credits will not apply to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. But any discount will cut the cost of coverage.

Car insurance companies who might offer these benefits include:

Before buying, ask each insurance company which discounts they offer. Savings might not apply in your state.

Ford E-Series Wagon rates are in the details

An important part of buying insurance is that you know the rating factors that help determine auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with better auto insurance rates.

The following are a few of the “ingredients” used by your company to calculate rates.

  • Traffic citations inflate rates – A bad driving record has a lot to do with how much you pay for insurance. Even one speeding ticket may increase your cost by twenty percent. Drivers with clean records tend to pay less for car insurance than bad drivers. If you have serious violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state DMV in order to continue driving.
  • Discounts for married couples – Being married helps lower the price on your auto insurance policy. Marriage is viewed as being more mature and responsible and statistics show married couples file fewer claims.
  • Big city or small town – Being located in a rural area is a positive aspect when buying auto insurance. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities tend to have more traffic problems and a longer drive to work. Longer commute distances means higher likelihood of an accident.
  • Low deductibles can be expensive – Deductibles for physical damage represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered are colliding with a building, vandalism, and windstorm damage. The more money the insured has to pay upfront, the less your company will charge you for insurance for E-Series Wagon insurance.
  • Clean credit earns discounts – Your credit history is a big factor in determining your rates. Therefore, if your credit rating is not that good, you could pay less to insure your 2011 Ford E-Series Wagon by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • Liability coverage protects you – Liability coverage is the coverage that protects you in the event that a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense coverage starting from day one. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Always keep insurance in force – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, but being ticketed for driving with no insurance will get you a license revocation or jail time.
  • Drive less and save money – The more miles you rack up on your Ford each year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based on how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance policy is showing how each vehicle is driven. Incorrect usage on your E-Series Wagon can result in significantly higher rates.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

For instance, these questions might point out if you could use an agent’s help.

  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I wreck a rental car?
  • Where can I get insurance after a DUI in my state?
  • How does medical payments coverage work?
  • Is my teenager covered with friends in the car?
  • What if I total my 2011 Ford E-Series Wagon and owe more than it’s worth?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Misconceptions in insurance advertisements

Allstate and Progressive regularly use television and radio advertisements. All the companies say the same thing that you’ll save big if you move your coverage to them. But how can every company make the same claim? It’s all in the numbers.

All the different companies have a preferred profile for the type of customer they prefer to insure. For instance, a profitable customer could possibly be a mature driver, has no tickets, and chooses high deductibles. A propective insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when they switch companies.

Drivers who are not a match for the requirements will have to pay higher premiums which leads to business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can advertise the savings.

Because of the profiling, drivers should compare many company’s rates. You cannot predict which insurance company will fit your personal profile best.

Information about specific coverages

Learning about specific coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses such as ambulance fees, doctor visits, EMT expenses, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability insurance

This coverage protects you from injuries or damage you cause to other people or property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as court costs, medical expenses, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, vandalism and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

This coverage will pay to fix damage to your E-Series Wagon from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, driving through your garage door, crashing into a ditch, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Final considerations

People switch companies for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, questionable increases in premium and poor customer service. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.

We just covered a lot of techniques to save on 2011 Ford E-Series Wagon insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the most savings is with a lesser-known regional company.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. In many cases, consumers will sacrifice physical damage coverage only to discover later that it was a big error on their part. The aim is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Much more information about insurance coverage can be read at the links below