2013 Ford E-Series Wagon Insurance Quotes

Searching for the cheapest car insurance rates for your Ford E-Series Wagon? Have you had enough of trying to scrape together enough money to buy car insurance? You are in the same boat as millions of other consumers.

Multiple insurers compete for your business, so it’s not easy to compare every insurer to discover the definitive cheapest price

It’s a good habit to compare prices yearly because rates change regularly. If you had the best rates on E-Series Wagon coverage a year ago there may be better deals available now. Starting now, ignore everything you know about car insurance because we’re going to show you the best methods to find better rates and still maintain coverage.

If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Buying car insurance is not rocket science. Nevertheless, consumers need to have an understanding of how insurance companies price online insurance and use this information to your advantage.

Save big with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. A few discounts will automatically apply when you purchase, but some must be asked about prior to getting the savings.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Accident Free – Drivers who don’t have accidents pay much less as compared to accident-prone drivers.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Drive Less and Save – Driving fewer miles can qualify you for a substantially lower rate.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on E-Series Wagon coverage with select insurance companies.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on E-Series Wagon coverage.
  • College Student – Children who live away from home and don’t have a car may be able to be covered for less.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on E-Series Wagon coverage than less cautious drivers.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way. But any discount will bring down your overall premium however.

For a list of companies with the best car insurance discounts, click this link.

Your Ford E-Series Wagon insurance rate is a complex equation

It’s important that you understand the rating factors that play a part in calculating the rates you pay for car insurance. Knowing what determines base rates enables informed choices that could result in much lower annual insurance costs.

Shown below are some of the factors car insurance companies consider when setting premiums.

  • Little extras can really add up – There are a ton of extra coverages you can purchase if you aren’t careful. Coverages for roadside assistance, better glass coverage and motor club memberships may be wasting your money. They may seem good at first, but if you don’t need them eliminate them to save money.
  • One company can mean more discounts – Most car insurance companies give discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to shop around to ensure the best deal. You may still be able to find a better deal by splitting coverages up.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores get lower rates. These vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Ford earned at least four stars on Safercar.gov you may qualify for a discount.
  • Your age impacts your rates – Youthful drivers are statistically proven to be careless and easily distracted in a vehicle so they pay higher car insurance rates. Mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.

But I don’t know anything about car insurance

When choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that For example, these questions might point out whether or not you may require specific advice.

  • Will my rates increase for filing one claim?
  • When would I need rental car insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • What discounts do I qualify for?
  • Are my tools covered if they get stolen from my vehicle?
  • Can my teen drive my company car?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Buyer beware of auto insurance advertising tricks

Auto insurance providers like State Farm, Geico and Progressive constantly bombard you with television and radio advertisements. They all make an identical promise about savings if you switch to them. How does each company make the same claim? This is how they do it.

All the different companies are able to cherry pick for the right customer that is profitable for them. An example of a preferred risk might be between 25 and 40, has no prior claims, and has great credit. Any driver that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when switching.

Potential customers who don’t meet these standards must pay more money which leads to the customer not buying. The ads state “customers that switch” not “everybody who quotes” save that much. This is how insurance companies can confidently advertise the savings.

This illustrates why you should get as many comparisons as possible. Because you never know which insurance companies will give you the biggest savings on Ford E-Series Wagon insurance.

Auto insurance coverages

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Liability auto insurance – This provides protection from injuries or damage you cause to other people or property. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as attorney fees, repair costs for stationary objects, court costs, structural damage and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Collision coverages – Collision insurance will pay to fix damage to your E-Series Wagon caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, colliding with a tree, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, hail damage and damage from flooding. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when the “other guys” 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.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for funeral costs, X-ray expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Power to the consumer

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In many instances, an insured cut liability coverage limits and learned later that they should have had better coverage. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.

Lower-priced 2013 Ford E-Series Wagon insurance is possible from both online companies as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

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