2013 Ford E-Series Van Insurance Quotes in 2024 – 6 Tips to Save

Paying cheaper prices for auto insurance is always a challenge for drivers who have little experience quoting and comparing rates online. People have so many companies to choose from that it can quickly become a real difficult job to lower your rates.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. This information will help you learn the best way to quote coverages and some tricks to saving. But consumers must know how companies market on the web and use this information to your advantage.

The easiest way to compare insurance rates from multiple companies takes advantage of the fact most insurance companies pay for the opportunity to provide you with free rate quotes. All you need to do is provide the companies a bit of rating information like how much school you completed, coverage limits, if you have an active license, and the ages of drivers. Your rating data is submitted instantly to insurance companies and they respond with quotes quickly.

More discounts mean cheap premiums

Some companies don’t always publicize the entire discount list very clearly, so the following is a list of a few of the more well known in addition to some of the lesser obvious credits available to bring down your rates.

• Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents so you can save 10 percent or more.
• Student Discount for Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
• Discount for Switching Early – Select larger companies give a discount for signing up prior to the expiration date on your current policy. It can save you around 10%.
• Active Military Service – Being on active deployment in the military may qualify for rate reductions.
• Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
• New Car Discount – Buying a new car model can be considerably cheaper compared to insuring an older model.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, that’s just not realistic.

Companies and some of their more popular discounts are shown below.

• GEICO may have discounts that include good student, military active duty, multi-vehicle, anti-theft, air bags, and multi-policy.
• USAA offers discounts including multi-vehicle, good student, military installation, multi-policy, loyalty savings, new vehicle, and family discount.
• Progressive includes discounts for online signing, homeowner, online quote discount, continuous coverage, and multi-policy.
• American Family may offer discounts for mySafetyValet, air bags, bundled insurance, good driver, defensive driver, multi-vehicle, and good student.
• Esurance has savings for multi-policy, good driver, renters, online quote, and multi-car.
• Farmers Insurance may include discounts for bundle discounts, electronic funds transfer, good student, distant student, switch companies, and early shopping.
• State Farm discounts include Drive Safe & Save, passive restraint, good driver, defensive driving training, Steer Clear safe driver discount, and safe vehicle.

Before purchasing a policy, check with each company to apply every possible discount. A few discounts might not be offered in your area. To choose insurance companies that offer some of these discounts, enter your zip code here.

It’s not one size fits all

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

For example, these questions may help you determine if you may require specific advice.

• How high should deductibles be on a 2013 Ford E-Series Van?
• Am I covered by my spouse’s policy after a separation?
• When should I buy a commercial auto policy?
• I have health insurance so do I need medical payments coverage?
• What happens if I owe more than my 2013 Ford E-Series Van is worth?
• Should I have combined single limit or split liability limits?
• Do I need an umbrella policy?
• Am I covered when pulling a rental trailer?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Auto insurance policy coverages for a 2013 Ford E-Series Van

Knowing the specifics of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford E-Series Van.

Since a lot of drivers 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. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Coverage for collisions

This will pay to fix damage to your E-Series Van from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, backing into a parked car, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like chiropractic care, rehabilitation expenses, EMT expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a deer, hail damage, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

This provides protection from damage that occurs to other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like medical services, emergency aid, legal defense fees and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.