View 2012 Ford E-Series Wagon Insurance Cost

Trying to find better insurance rates for your Ford E-Series Wagon? Overpriced Ford E-Series Wagon insurance can overdraw your bank account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Since consumers have many insurance providers from which to choose, it is hard for the average consumer to locate the right car insurance company.

Finding affordable coverage is quite easy. In a nutshell, everyone who has to buy insurance coverage will most likely be able to find lower rates. Although vehicle owners need to learn how insurance companies price insurance differently because it can help you find the best coverage.

More discounts equal less premium

Auto insurance companies do not list all available discounts very well, so here is a list both well-publicized as well as the least known ways to save on insurance coverage.

  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for E-Series Wagon insurance depending on your company.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
  • Paperwork-free – Certain companies will give a small break for buying your policy digitally online.
  • Senior Discount – Mature drivers may qualify for better insurance coverage rates for E-Series Wagon insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. Just because you may think it’s possible to get free car insurance, you’re out of luck.

Companies who might offer these benefits are:

Double check with each company which discounts they offer. All car insurance discounts may not apply everywhere.

Factors that might impact rates for a Ford E-Series Wagon

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for insurance coverage. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Are you male or female? – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. Women and men tend to get into accidents at a similar rate, but men tend to have more serious accidents. Men also get more serious tickets like DUI and reckless driving.
  • Your age impacts your rates – Mature drivers tend to be more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers tend to be more careless in a vehicle and because of this, their insurance coverage rates are much higher.
  • High crash test scores lower rates – Vehicles with high crash test scores tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Ford has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Bump up deductibles to save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Ford from damage. A few examples of covered claims are a windshield shattered by a rock, collision with an animal, and windstorm damage. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you have to pay, the bigger discount you will receive for E-Series Wagon insurance.
  • Where you live – Being located in a small town has it’s advantages when buying insurance coverage. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities tend to have congested traffic and a longer drive to work. Longer commute distances means more change of being in an accident.

It’s not one size fits all

When buying adequate coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. For example, these questions can help discover whether you might need an agent’s assistance.

  • Is rental equipment covered for theft or damage?
  • Does having multiple vehicles earn me a discount?
  • Are all vehicle passengers covered by medical payments coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered when delivering products for my home-based business?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Can you really save $488 a year?

Companies like State Farm and Allstate consistently run ads on television and other media. All the ads make an identical promise about savings if you change your coverage to them. How does each company claim to save you money? This is how they do it.

All companies have a certain “appetite” for the type of customer they prefer to insure. A good example of a preferred risk could possibly be over the age of 50, a clean driving record, and has a short commute. A customer who meets those qualifications will get very good rates and as a result will probably cut their rates substantially.

Potential insureds who don’t meet this ideal profile will be quoted a higher premium and this can result in the driver buying from a lower-cost company. The ads state “customers that switch” not “people who quote” save that much money. That’s why insurance companies can make the claims of big savings. This emphasizes why drivers must get as many comparisons as possible. You cannot predict which auto insurance company will give you the biggest savings on Ford E-Series Wagon insurance.

The coverage is in the details

Knowing the specifics of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, hitting a bird, falling objects and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Ford E-Series Wagon.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability auto insurance

This will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, attorney fees and legal defense fees. How much coverage you buy is your choice, but buy higher limits if possible.

Collision protection

Collision coverage pays for damage to your E-Series Wagon from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

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

Medical expense coverage

Med pay and PIP coverage pay for expenses for things like ambulance fees, funeral costs and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

A tidy conclusion

You just learned a lot of techniques to shop for 2012 Ford E-Series Wagon insurance online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a small mutual company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

Cheap insurance can be purchased on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance coverage companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

More detailed insurance coverage information can be found in these articles: