2008 Ford Econoline Cargo Car Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 23, 2017

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Searching for lower car insurance rates for your Ford Econoline Cargo? Locating low-cost insurance for your Ford Econoline Cargo can be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to buy car insurance so you’re going to learn the best way to compare rates on a Ford and find the lowest possible price either online or from local insurance agents.

Insurance Quote Comparison

Most major insurance companies such as State Farm, Allstate and GEICO give insurance quotes on the web. This process is fairly simple as you just enter your personal and coverage information as requested by the quote form. Upon sending the form, the company’s rating system requests reports for credit and driving violations and generates a price.

Being able to quote online makes comparing rates easy, but the work required to visit a lot of sites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible in order to find the lowest insurance rates.

There is a better way!

A less time-consuming method to get multiple rate quotes is to use a quote form to obtain quotes from many companies. The form is fast, requires much less work on your part, and makes price shopping online much more enjoyable. After your information is entered, it is quoted and you can select any or none of the quotes returned.

If you find a better price you simply finish the application and buy the policy. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you copy coverages and limits as close as possible to your current policy. This guarantees you will have rate quotes based on similar coverages.

Discounts are basically free money

The price of auto insurance can be rather high, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply when you quote, but lesser-known reductions have to be asked for before you will receive the discount. If you’re not getting every credit possible, you’re paying more than you need to.

  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Accident Waiver – A handful of insurance companies permit an accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Econoline Cargo insurance than their less cautious counterparts.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you won’t be that lucky. But any discount will help reduce the cost of coverage.

Insurance companies that may offer these benefits are:

Before buying, ask each insurance company which discounts you may be entitled to. Discounts might not apply everywhere.

Which insurance is the “right” coverage?

When choosing coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different.

For example, these questions might point out if you would benefit from professional advice.

  • Is business property covered if stolen from my car?
  • Do I need an umbrella policy?
  • Is business equipment covered while in my vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Why does it cost so much to insure a teen driver?
  • Can I still get insurance after a DUI?
  • Am I covered if I wreck a rental car?
  • How many claims can I have before being canceled?
  • How do I file an SR-22 for a DUI in my state?
  • Is my state a no-fault state?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a 2008 Ford Econoline Cargo

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability coverage – Liability coverage protects you from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as structural damage, medical expenses and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as rock chips in glass, damage from a tornado or hurricane, vandalism and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2008 Ford Econoline Cargo.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like prosthetic devices, funeral costs, pain medications and EMT expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Have the Midas touch

Throughout this article, we presented a lot of techniques to shop for 2008 Ford Econoline Cargo insurance online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the lowest rates come from some of the lesser-known companies.

The cheapest insurance is attainable on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed collision coverage only to regret at claim time they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at the best price while still protecting your assets.

More tips and info about auto insurance can be read at these sites:

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