Save on 2012 Ford E-Series Wagon Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 8, 2024

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Drivers have lots of choices when trying to find low-cost Ford E-Series Wagon insurance. You can either waste hours driving around to get rate comparisons or save time using the internet to find the lowest rates.

There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to quote coverages for your Ford and locate the cheapest rates either online or from local insurance agents.

You should take the time to take a look at other company’s rates quite often because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates on E-Series Wagon coverage a few years ago you may be paying too much now. There is a lot of bad advice regarding insurance on the web, but in this article, you’re going to get a lot of great tips on how to lower your insurance premiums.

If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to get lower rates while maximizing coverage. The purpose of this post is to help you learn the most effective way to quote insurance and some tricks to saving. Vehicle owners just need to know the most effective way to shop their coverage around over the internet.

Low cost car insurance prices

Finding low cost 2012 Ford E-Series Wagon car insurance prices is a fairly straight forward process. The only thing you need to do is spend a few minutes comparing rate quotes to see which company has cheap insurance quotes. Shoppers can get rates using a couple different methods.

The best way to get the best comparison quotes is a comparison rater form. This quick form saves time by eliminating boring form submissions for each company you want a rate for. Filling out one form will get you price quotes from car insurance companies with the best prices. It’s definitely the quickest method.

Another way to find lower rates requires a trip to each company website and go through the quote process again. For instance, let’s say you want to compare rates from USAA, Progressive and Allstate. To get rate quotes you would need to visit each site to enter your coverage information, and that’s why the first method is more popular.

The approach you take is up to you, just make darn sure you compare equivalent coverages and limits with every price quote. If each company quotes different limits and deductibles on each one you will not be able to make a fair rate comparison.

These discounts can lower your auto insurance rates

Some insurers don’t always advertise all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find ways to save on auto insurance.

  • Policy Bundle Discount – When you combine your auto and homeowners insurance with one company they may give you a discount of up to 20% and get you cheaper insurance.
  • Senior Citizen Discount – Older drivers can get a slight reduction on a insurance quote on E-Series Wagon coverage.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control prevent accidents and the ABS can save up to 10%.
  • Service Members Pay Less – Being on active deployment in the military may lower your auto insurance rates slightly.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on E-Series Wagon coverage depending on your company.
  • Multi-Vehicle Discounts – Insuring multiple vehicles on one policy can reduce rates for all insured vehicles.
  • Multi-line Discount – Auto insurance companies who offer life insurance give a discounted auto insurance rate on car insurance if you buy a life insurance policy as well.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on E-Series Wagon coverage compared to accident prone drivers.
  • First Accident Forgiveness – but certain companies will let one accident slide before raising your premiums if your claims history is clear for a specific time period.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

For a list of providers who offer auto insurance discounts, enter your zip code here.

Different people need different insurance coverages

When it comes to choosing coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

These are some specific questions can help discover if your situation might need an agent’s assistance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • How do I insure my teen driver?
  • Why am I required to buy high-risk coverage?
  • Why does it cost so much to insure a teen driver?
  • What is PIP insurance?
  • When should my teen driver be added to my policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • When should I remove comp and collision on my 2012 Ford E-Series Wagon?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out your zip code. It is quick, free and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford E-Series Wagon.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses for nursing services, pain medications, prosthetic devices and dental work. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for liability

This coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like structural damage, repair bills for other people’s vehicles, legal defense fees, attorney fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, a tree branch falling on your vehicle, damage from flooding and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

Collision coverage covers damage to your E-Series Wagon resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, colliding with a tree, crashing into a ditch, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Quote more. Save more.

Drivers who switch companies do it for any number of reasons including not issuing a premium refund, poor customer service, unfair underwriting practices or an unsatisfactory settlement offer. Regardless of your reason, finding a great new company can be pretty painless.

When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at a price you can afford.

You just learned a lot of ways to get a better price on 2012 Ford E-Series Wagon insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest rates come from an unexpected company.

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