2013 Ford E-Series Wagon Car Insurance Quotes in 2024 – 6 Savings Tips

Searching for lower auto insurance rates for your Ford E-Series Wagon? Confused by the crazy number of auto insurance choices in your area? You have so many choices that it can easily turn into a ton of work to find better auto insurance rates.

It’s a good habit to do rate comparisons periodically because prices tend to go up over time. Just because you found the best rates on E-Series Wagon coverage a few years ago you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn one of the best ways to eliminate unnecessary coverages and save money.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. Pricing affordable car insurance is simple if you know the tricks. Nevertheless, consumers can benefit by having an understanding of the methods companies use to determine prices and apply this information to your search.

Find hidden discounts on insurance coverage

Companies that sell car insurance don’t always advertise every possible discount very well, so we break down a few of the more common and the more hidden savings tricks you should be using when you buy insurance coverage online.

• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
• Safety Restraint Discount – Forcing all vehicle occupants to use a seat belt can save 10% or more off the medical payments premium.
• Discounts for Good Drivers – Drivers without accidents may receive a discount up to 45% on E-Series Wagon coverage compared to accident prone drivers.
• Discount for Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you lower prices if you buy a life policy as well.
• Air Bag Discount – Cars that have air bags may earn rate discounts of 25 to 30%.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. Even though the math looks like you can get free auto insurance, you won’t be that lucky.

Larger insurance coverage companies and some of the discounts include:

• State Farm has savings for Drive Safe & Save, anti-theft, passive restraint, accident-free, good driver, and driver’s education.
• Esurance offers discounts including homeowner, multi-policy, claim free, online quote, good driver, renters, and good student.
• Progressive policyholders can earn discounts including online signing, multi-policy, homeowner, multi-vehicle, continuous coverage, good student, and online quote discount.
• Liberty Mutual offers discounts for multi-car, hybrid vehicle, new graduate, newly married, and good student.
• Auto-Owners Insurance offers premium reductions for student away at school, multi-policy, paid in full, teen driver, and company car.
• GEICO may include discounts for multi-policy, anti-lock brakes, driver training, anti-theft, military active duty, daytime running lights, and seat belt use.

Before buying, ask all the companies which discounts can lower your rates. Some discounts listed above might not be available to policyholders in your area. To choose insurance companies that offer the discounts shown above, enter your zip code here.

Finding car insurance

When shopping for car insurance there are multiple ways to compare prices from different insurance companies. The recommended way to find the lowest 2013 Ford E-Series Wagon rates consists of shopping online. This can be done in a couple of different ways.

1. The most efficient way consumers can make multiple comparisons is to use a rate comparison form. This easy form eliminates the need for separate quotation requests for each price estimate. Taking the time to complete one form gets rate comparisons from car insurance companies with the best prices. It’s definitely the quickest method.
2. A more difficult way to find more affordable insurance requires you to visit the website of each company and complete a new quote form. For example, we’ll assume you want to see prices from Farmers, Progressive and Allstate. In order to get each rate, you would have to take the time to go to each site and type in your information over and over, which is why the first method is quicker.
3. The least efficient way of getting rate comparisons is making phone calls or going to different agent offices. The ability to quote online eliminates this option unless you’re the type of person who wants the professional advice of a licensed agent. If you prefer, some companies allow you to price shop your coverage online and have a local agent actually service the policy.

It doesn’t matter which method you choose, just do your best to use the same coverages and limits on every price quote you get. If you enter higher or lower deductibles it will be very difficult to decipher which rate is best. Quoting even small variations in coverages can result in a big premium difference. And when price shopping your coverage, comparing more rates from different companies helps locate more affordable insurance.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether your personal situation will benefit from professional help.

• Do I benefit by insuring my home with the same company?
• Why does it cost so much to insure a teen driver?
• Should I buy additional glass protection?
• Is other people’s property covered if stolen from my vehicle?
• When does my teenage driver need to be added to my policy?
• Should I get collision insurance on every vehicle?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete your zip code.

Insurance coverages explained

Knowing the specifics of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Collision protection

Collision coverage pays for damage to your E-Series Wagon from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, crashing into a building, hitting a parking meter, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford E-Series Wagon.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses like X-ray expenses, prosthetic devices and dental work. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

This 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 damage from flooding, damage from a tornado or hurricane, rock chips in glass and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability coverage will cover damage that occurs to a person or their property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as repair costs for stationary objects, medical expenses, emergency aid and funeral expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

More comparisons equals lower rates

When you buy insurance coverage online, do not buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced collision coverage and learned later they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

People change insurance companies for any number of reasons including not issuing a premium refund, being labeled a high risk driver, delays in responding to claim requests or policy non-renewal. No matter why you want to switch, switching car insurance companies is easier than you think.

We just presented many ideas to reduce 2013 Ford E-Series Wagon insurance rates online. The key concept to understand is the more quotes you get, the better your chances of lowering your auto insurance rates. Drivers may discover the lowest rates are with the smaller companies.