Save on 2014 Ford E-Series Van Insurance Rates

Have you had enough of scraping the payment together to insure your Ford every month? Your situation is no different than many other consumers.

Because there are so many options, it can be diffult for consumers to locate the best insurer.

You should take the time to check insurance coverage prices before your policy renews since rates tend to go up over time. Even if you got the lowest price for E-Series van coverage a few years ago other companies may now be cheaper. You can find a lot of misleading information regarding insurance coverage on the web, but by reading this article, you’re going to learn a lot of great tips on how to find affordable insurance coverage.

Finding the best rates is easy if you know what you’re doing. In a nutshell, everyone who carries auto insurance most likely will be able to lower their premiums. But drivers do need to know how the larger insurance companies sell online and take advantage of how the system works.

How to Compare Insurance Quotes

Shopping for lower insurance rates can take time and effort if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day driving to agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

All the larger companies participate in an industry program that allows shoppers to submit one quote, and each company returns a rated price for coverage. This prevents consumers from doing quotation requests for each company you want a rate for.

To find out how much you can save on insurance click to open in new window.

The only drawback to using this type of system is you cannot specify which carriers you will receive quotes from. If you wish to select from a list of companies for rate comparison, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.

However you get your quotes, compare exactly the same deductibles and coverage limits on every quote you get. If the quotes have higher or lower deductibles it will be impossible to make a fair comparison for your Ford E-Series Van. Having just a slight variation in coverage limits could mean much higher rates. Just keep in mind that more quotes will increase your chances of finding lower pricing.

Tailor your coverage to you

When buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can aid in determining if your situation would benefit from professional advice.

• Are my friends covered when driving my car?
• Do I really need UM/UIM coverage?
• Do I need added coverage for expensive stereo equipment?
• Can I still get insurance after a DUI?
• Should I rate my 2014 Ford E-Series Van as pleasure use or commute?
• Can I get a multi-policy discount?
• Is my cargo covered for damage or theft?
• Why does it cost so much to insure a teen driver?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Parts of your insurance policy

Learning about specific coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Medical costs insurance – Med pay and PIP coverage pay for short-term medical expenses for nursing services, doctor visits, ambulance fees and funeral costs. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, colliding with a tree, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, falling objects and a broken windshield. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford E-Series Van.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like loss of income, repair costs for stationary objects, structural damage, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.