How Much Does 2013 Ford E-Series Van Insurance Cost?

Car insurance shopping is not a process people fancy doing, but unfortunately it’s required before the rubber hits the road.

These discounts can lower your rates

Companies offering auto insurance don’t always publicize all available discounts very clearly, so here is a list both well-publicized and the more hidden discounts you could be receiving.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Resident Student – Children who live away from home and do not have a car can receive lower rates.
  • Senior Citizens – Mature drivers may receive a discount up to 10% on E-Series van coverage.
  • Discount for New Cars – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.

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

Different people need different coverages

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • Should I have a commercial auto policy?
  • Are rock chip repairs covered?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does having multiple vehicles earn me a discount?
  • Who is covered when they drive my 2013 Ford E-Series Van?
  • Am I getting all the discounts available?
  • Can I afford low physical damage deductibles?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverages

Knowing the specifics of insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for collisions

Collision coverage pays for damage to your E-Series Van resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, rolling your car, damaging your car on a curb, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for things like EMT expenses, prosthetic devices and surgery. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Ford E-Series Van.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, rock chips in glass, a broken windshield, falling objects and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability insurance protects you from damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like attorney fees, funeral expenses, medical expenses and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Knowledge is power

Drivers switch companies for many reasons like policy cancellation, delays in responding to claim requests, extreme rates for teen drivers or even policy non-renewal. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

As you prepare to switch companies, you should never skimp on coverage in order to save money. In too many instances, an insured cut uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at the best price.

We just presented some good ideas how you can shop for 2013 Ford E-Series Van insurance online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with the smaller companies.

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