Cheap 2012 Ford E-Series Van Car Insurance Quotes in 2024

Drivers that are new to comparing car insurance rates online will discover purchasing cheaper insurance coverage is harder than it should be.

It’s smart to take a look at other company’s rates every six months because insurance prices are usually higher with each renewal. Even if you got the best rate on E-Series van insurance at your last renewal you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re about to learn the fastest and easiest way to buy cheaper car insurance.

Earn discounts to get lower-cost auto insurance rates

Car insurance can cost a lot, but there could be significant discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but some discounts are required to be manually applied before you get the savings.

• Service Members Pay Less – Having an actively deployed family member may qualify for rate reductions.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
• Homeowners Pay Less – Just owning your own home can earn you a little savings since owning and maintaining a home requires personal responsibility.
• New Vehicle Savings – Putting coverage on a new car can save you some money because newer models are generally safer.
• No Charge for an Accident – This isn’t a discount exactly, but some companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims prior to the accident.
• Braking Control Discount – Anti-lock brake equipped vehicles are much safer to drive so you can save 10 percent or more.
• Policy Bundle Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of as much as 10 to 15 percent.
• Defensive Driver – Taking part in a safe driver course could possibly earn you a 5% discount and easily recoup the cost of the course.

Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it appears you could get a free auto insurance policy, companies don’t profit that way.

A few of the larger companies and a selection of discounts are detailed below.

• GEICO offers discounts including seat belt use, emergency military deployment, good student, anti-lock brakes, military active duty, and daytime running lights.
• SAFECO has discounts for accident prevention training, teen safe driver, safe driver, anti-lock brakes, multi-car, teen safety rewards, and drive less.
• State Farm may include discounts for good student, student away at school, accident-free, anti-theft, Steer Clear safe driver discount, Drive Safe & Save, and passive restraint.
• MetLife discounts include accident-free, good driver, good student, defensive driver, and multi-policy.
• 21st Century may offer discounts for defensive driver, teen driver, theft prevention, homeowners, good student, student driver, and driver training.
• Progressive offers discounts for multi-policy, good student, online signing, online quote discount, multi-vehicle, homeowner, and continuous coverage.

Before buying, ask each company to apply every possible discount. Some discounts may not be available everywhere.

Car insurance quotes comparison

There are a variety of methods you can shop for car insurance but there is one way that is less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can stay home and use online quotes to get prices fast.

Most of the larger companies take part in a program that allows shoppers to only type in their quote data once, and each company can give them a price. This eliminates the need for quote requests for every car insurance company.

To find out how much you can save on car insurance enter your zip code here.

The one downside to using this type of system is buyers cannot specifically choose the providers to get pricing from. If you prefer to choose specific insurance companies to compare, we have a page of companies who write car insurance in your area. Click to enter zip code.

It’s your choice how you get your quotes, but be sure you’re using equivalent deductibles and coverage limits with every price quote. If you have different values for each quote you will not be able to determine which company has the best rates. Even a minor difference in insurance coverages could skew the results. It’s important to know that quoting more helps improve the odds of finding a lower rate than you’re paying now. Not every company allows you to get rate quotes online, so you need to compare quotes from those companies as well.

Tailor your insurance coverage to you

When buying adequate coverage, there really is not a single plan that fits everyone. Every situation is different.

For instance, these questions might help in determining if you might need professional guidance.

• Are rock chip repairs covered?
• Do I have any recourse if my insurance company denies a claim?
• Is my custom paint covered by insurance?
• Can I afford low physical damage deductibles?
• Am I covered if my car is in a flood?
• Am I covered when driving in Canada or Mexico?
• Does medical payments coverage apply to all occupants?
• How can I find cheaper teen driver insurance?
• When would I need additional glass coverage?
• Do I need more liability coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Insurance specifics

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford E-Series Van.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from flooding and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses such as hospital visits, EMT expenses and ambulance fees. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverage

Liability insurance protects you from damage or injury you incur to other’s property or people. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability can pay for things such as legal defense fees, medical services, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Coverage for collisions

Collision coverage pays for damage to your E-Series Van resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, hitting a mailbox, crashing into a building, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

More choices the merrier

Cheaper 2012 Ford E-Series Van insurance is definitely available from both online companies in addition to many insurance agents, so you need to quote insurance coverage with both to get a complete price analysis. Some insurance providers don’t offer internet price quotes and usually these small, regional companies sell through independent insurance agents.

When shopping online for insurance, do not buy poor coverage just to save money. In too many instances, someone dropped full coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

People switch companies for many reasons like not issuing a premium refund, high prices, questionable increases in premium and even poor customer service. It doesn’t matter why you want to switch finding a new company is not as difficult as it may seem.