1999 Ford Econoline Wagon Insurance Cost – 7 Tips to Save

Searching for cheaper insurance rates for your Ford Econoline Wagon? No one likes paying for insurance, especially knowing the cost is too high.

Insurance companies such as State Farm, Progressive and Geico all claim big savings with fancy advertisements and it can be hard to avoid their marketing magic and find the best price available.

It’s smart to compare prices every six months because prices trend upward over time. Even if you got the best price on Econoline Wagon coverage on your last policy other companies may now be cheaper. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the best methods to find better coverage at a better price.

Cut prices on Ford Econoline Wagon insurance

Companies that sell car insurance don’t always advertise all their discounts in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using.

  • Student Driver Training – Have your child successfully complete driver’s ed class in school.
  • Own a Home – Being a homeowner may trigger a insurance policy discount because owning a home is proof that your finances are in order.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Defensive Driver – Completing a course in driver safety can save you 5% or more if your company offers it.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you could get a free insurance policy, you won’t be that lucky.

A partial list of companies that may offer these benefits are:

Check with every prospective company which discounts they offer. Savings might not be offered in your state.

Fast and Easy Insurance Quotes

The are a couple different ways of comparing rate quotes from local insurance companies. One of the best ways to find the cheapest 1999 Ford Econoline Wagon insurance rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

The single most time-saving way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This easy form saves time by eliminating repetitive form entry for every insurance company. Completing one form will get you price quotes from several companies.

Another way to compare prices is spending the time to visit each company website and complete a new quote form. For instance, we’ll assume you want to compare Progressive, Farmers and American Family. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The hardest method to get comparison rates is to waste gas driving to and from local insurance agencies. The internet makes this process obsolete unless you want the professional advice of a local agent. Drivers can compare the best prices online and get advice from an agent in your area and we’ll cover that in a bit.

Which method you use is up to you, but double check that you are using exactly the same deductibles and coverage limits with every price quote. If you have higher or lower deductibles you will not be able to find the best deal for your Ford Econoline Wagon. Just a small difference in insurance coverages may result in large price differences. It’s important to know that having more price comparisons will improve the odds of getting the best price.

Tailor your coverage to you

When buying the best insurance coverage coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Why does it cost so much to insure a teen driver?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I rent a car in Mexico?
  • When should I remove comp and collision on my 1999 Ford Econoline Wagon?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Don’t be fooled by advertising claims

Insurance companies such as Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. They all seem to make an identical promise about savings if you switch to them. How does each company say the same thing? It’s all in the numbers.

Different companies can use profiling for the type of driver that is profitable for them. An example of a profitable customer might be over the age of 50, has no tickets, and has a short commute. Any new insured who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Drivers who are not a match for the “perfect” profile will have to pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “people who quote” save that kind of money. That’s the way companies can truthfully state the savings. Because of the profiling, drivers must get quotes from several different companies. It’s just too difficult to predict the company that will provide you with the cheapest Ford Econoline Wagon insurance rates.

Insurance coverage breakdown

Learning about specific coverages of insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for doctor visits, ambulance fees, surgery, EMT expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Econoline Wagon.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, a tree branch falling on your vehicle, a broken windshield, fire damage and theft. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Auto liability

This can cover damages or injuries you inflict on a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as repair bills for other people’s vehicles, loss of income and attorney fees. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Feed the piggy bank

You just learned some good ideas how you can get a better price on 1999 Ford Econoline Wagon insurance. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from the smaller companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, Geico and Nationwide.

Affordable insurance is possible online and with local insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not offer online quoting and these smaller companies work with independent agents.

Additional information is available at these links: