2003 Ford Econoline Wagon Insurance Rates – 5 Tricks for Cheapest Quotes

Trying to find cheaper insurance coverage rates for your Ford Econoline Wagon? There isn’t anyone who looks forward to paying for insurance coverage, in particular when the cost is too high. Companies like State Farm, Allstate, Geico and Progressive all promote huge savings with ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

It’s a good habit to check insurance coverage prices before your next renewal since insurance prices are constantly changing. Even if you think you had the best price on Econoline Wagon coverage last year there may be better deals available now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the tricks you need to know to eliminate unnecessary coverages and save money.

If you have insurance now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners just need to understand the most effective way to buy insurance coverage over the internet.

How to find the cheapest insurance

Many insurance companies give prices directly from their websites. Doing online quotes doesn’t take much effort because it’s just a matter of typing in your coverage preferences into the form. Upon sending the form, the system makes automated requests for credit information and your driving record and quotes a price. This helps simplify price comparisons, but the time it takes to visit multiple sites and complete many quote forms is not the best way to spend an afternoon. But it’s also necessary to perform this step in order to find lower prices.

Online rates the easy way

A better way to locate the lowest prices is to use a quote form that gets price quotes from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes comparison shopping much simpler. After your information is entered, it is quoted and you can choose your choice of the price quotes you receive.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process takes 15 minutes at the most and may save quite a bit of money.

In order to fill out one form to compare multiple rates now, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend that you enter the insurance coverages identical to your current policy. This makes sure you will be getting an apples-to-apples comparison using the exact same coverages.

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Misconceptions in car insurance advertisements

Consumers can’t get away from all the ads that claim the cheapest prices by companies like 21st Century, Allstate and State Farm. They all seem to convey the message of big savings if you switch to them.

It sounds good, but how can they all give you a better price? You have to listen carefully.

Different companies look for specific characteristics for the type of insured they prefer to insure. An example of a profitable customer could be between the ages of 30 and 45, insures multiple vehicles, and drives less than 10,000 miles a year. Any driver who matches those parameters will qualify for the lowest auto insurance rates and will also save when they switch companies.

Consumers who do not match these criteria may be required to pay a higher premium which results in the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” can get the lowest rates when switching. This is how companies can truthfully make it sound like they have such great auto insurance rates.

Different companies use different criteria so it is so important to compare rate quotes every year. It is just not possible to predict which company will have the best rates.

Auto insurance rates and discounts

Some companies don’t necessarily list their entire list of discounts very clearly, so the below list has both well-publicized and the more hidden discounts you could be receiving when you buy auto insurance online.

• Safety Course Discount – Completing a defensive driver course can save you 5% or more if your company offers it.
• Multiple Policy Discount – If you can bundle your home and auto insurance and insure them with the same company you may save 10% to 20% off each policy.
• College Student Discount – who are attending college and do not have access to a covered vehicle could get you a discount.
• Driver’s Education for Students – Teen drivers should sucessfully take a drivers education course in school.
• Senior Citizen Discount – If you qualify as a senior citizen, you are able to get a slight reduction on a auto insurance quote on Econoline Wagon coverage.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Companies and some of the premium reductions they offer are outlined below.

• Progressive offers discounts for multi-policy, online signing, online quote discount, continuous coverage, and homeowner.
• Geico has discounts for military active duty, daytime running lights, defensive driver, five-year accident-free, multi-policy, air bags, and multi-vehicle.
• State Farm may offer discounts for defensive driving training, multiple autos, accident-free, passive restraint, safe vehicle, and Drive Safe & Save.
• Esurance includes discounts for anti-lock brakes, Pac-12 alumni, online shopper, safety device, emergency road assistance, multi-policy, and paid-in-full.
• The Hartford may include discounts for air bag, vehicle fuel type, good student, bundle, and driver training.

When comparing rates, check with every prospective company to give you their best rates. Some discounts might not apply in your area.

Situations that may require an agent’s advice

When choosing adequate coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether your personal situation might need professional guidance.

• Is my nanny covered when driving my vehicle?
• When should I not file a claim?
• When does my teenage driver need to be added to my policy?
• Does coverage extend to Mexico or Canada?
• When should I drop full coverage on my 2003 Ford Econoline Wagon?
• Can I afford to buy a different vehicle if my 2003 Ford Econoline Wagon is totaled?
• What is the difference between comprehensive and collision coverage?
• How does medical payments coverage work?
• Do I have coverage for damage caused while driving under the influence?
• Who is covered by my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

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Insurance coverage considerations

Learning about specific coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Econoline Wagon.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Auto collision coverage

This coverage will pay to fix damage to your Econoline Wagon resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as nursing services, prosthetic devices, pain medications and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This will cover injuries or damage you cause to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like structural damage, medical expenses and medical services. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a deer, vandalism and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

A tidy conclusion

We covered some good ideas how to get a better price on 2003 Ford Econoline Wagon insurance. It’s most important to understand that the more companies you get prices for, the better your comparison will be. You may be surprised to find that the best premium rates are with an unexpected company. These smaller insurers may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

Cheaper 2003 Ford Econoline Wagon insurance can be purchased from both online companies in addition to local insurance agencies, so you need to quote auto insurance with both to get a complete price analysis. There are still a few companies who do not provide online rate quotes and usually these small insurance companies only sell coverage through local independent agents.

As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. Too many times, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

Additional learning opportunities

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)

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