2007 Ford Econoline Cargo Insurance Cost – 10 Tricks for Best Prices

Looking for better car insurance rates for your Ford Econoline Cargo? Buying the cheapest car insurance on the web can be impossible for beginners to price shopping online. With such a large number of online companies available, how can consumers effectively compare every one to find the best pricing?

Finding affordable coverage is not that difficult. Basically, everyone who has to buy insurance will most likely be able to find better rates. But drivers do need to know the methods companies use to determine prices.

The best way to get policy rate comparisons is to know the fact auto insurance companies pay for the opportunity to compare their rates. All you need to do is provide a small amount of information like how you use your vehicles, what your job is, if you’re married, and driver details. The data gets sent immediately to multiple different insurance companies and they return rate quotes very quickly.

Pay less by taking advantage of these ten discounts

Companies that sell car insurance don’t always advertise all available discounts in an easy-to-find place, so we took the time to find some of the best known as well as the least known savings tricks you should be using.

Homeowners Pay Less – Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.
Claim Free – Drivers who don’t have accidents pay much less when compared to bad drivers.
Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Econoline Cargo coverage than drivers with accidents.
Passive Restraints – Cars that have air bags can receive discounts of up to 25% or more.
One Accident Forgiven – A few companies permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
Discount for Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
Distant Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

For a list of insurance companies offering insurance discounts, follow this link.

Your coverage should be tailored to you

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your situation may require specific advice.

Is motorclub coverage worth it?
Am I missing any policy discounts?
Does liability extend to a camper or trailer?
Why am I required to buy liability insurance?
Will my insurance pay for OEM parts?
Does insurance cover damages from a DUI accident?
Does having multiple vehicles earn me a discount?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like surgery, prosthetic devices, EMT expenses, funeral costs and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, damaging your car on a curb, sideswiping another vehicle, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Econoline Cargo.

Since many 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.

Coverage for liability

This coverage will cover injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as repair bills for other people’s vehicles, loss of income, medical services, bail bonds and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. 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 a tree branch falling on your vehicle, hitting a deer, fire damage, vandalism and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Summing up your auto insurance search

We covered some good ideas how to save on 2007 Ford Econoline Cargo insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

As you prepare to switch companies, never reduce needed coverages to save money. There have been many situations where an insured cut collision coverage and found out when filing a claim that they should have had better coverage. The aim is to purchase plenty of coverage for the lowest price.

Consumers leave their current company for any number of reasons including extreme rates for teen drivers, policy non-renewal, an unsatisfactory settlement offer and delays in responding to claim requests. It doesn’t matter what your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.