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2014 Ford E-Series Wagon Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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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UPDATED: Apr 27, 2020

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Looking for cheaper auto insurance rates for your Ford E-Series Wagon? Nobody likes having to buy auto insurance, especially when they are paying too much. Because you have many companies and agents to choose from, it can be diffult for consumers to find the lowest cost insurance company.

Complexity of Ford E-Series Wagon insurance rates

An important part of buying insurance is that you know the factors that come into play when calculating your auto insurance rates. Understanding what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Drive a safer car and pay less – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Ford scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Big city or small town – Being located in less populated areas is a positive aspect when buying auto insurance. Drivers in populated areas have more traffic problems and a longer drive to work. Fewer drivers means fewer accidents.
  • Males pay more for insurance – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both have accidents at about the same rate, but men cause more damage. Men also get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.
  • Poor credit can mean higher rates – Having a bad credit history is a large factor in determining your rates. Therefore, if your credit rating is not that good, you could save money insuring your 2014 Ford E-Series Wagon by improving your rating. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit scores.
  • High numbers of claims are not good – If you are a frequent claim filer, you can definitely plan on higher rates. Companies give better rates to people who are claim-free. Insurance coverage is intended for major claims that would cause financial hardship.
  • Always keep insurance in force – Letting your insurance expire will be a guaranteed way to bump up your auto insurance costs. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

The quickest method to get policy rate comparisons is to realize almost all companies have advanced systems to give you rate quotes. All consumers are required to do is take a few minutes to give details like if a SR-22 is required, if you have a valid license, if it has an anti-theft system, and deductibles desired. Your rating data is instantly provided to all major companies and they respond with quotes almost instantly.

To compare rates for a now, click here and complete the quick form.

Misconceptions in insurance coverage advertisements

Drivers can’t ignore all the ads that promise big savings by companies like GEICO, State Farm and Progressive. All the companies say the same thing that you’ll save big if you switch to them.

How do they all say the same thing?

All companies have a preferred profile for the type of driver that is profitable for them. For instance, a desirable insured could be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. A propective insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don’t measure up to the “perfect” profile will have to pay more money and this can result in business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can claim big savings.

Because of the profiling, you need to compare as many rates as you can. You cannot predict the company that will fit your personal profile best.

Do you qualify for a discount?

Car insurance is not cheap, but there are discounts available that many people don’t even know exist. Larger premium reductions will be automatically applied at quote time, but some must be inquired about prior to getting the savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on E-Series Wagon insurance than drivers with accidents.
  • One Accident Forgiven – Certain companies will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
  • Paperwork-free – A handful of insurance companies will give a small break for buying your policy over the internet.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.

Keep in mind that some credits don’t apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will reduce the cost of coverage.

For a list of companies with the best auto insurance discounts, click here.

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What coverages do I need?

When choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For example, these questions can help discover whether or not you would benefit from professional advice.

  • Does my insurance cover my expensive audio equipment?
  • What is medical payments coverage?
  • What if I total my 2014 Ford E-Series Wagon and owe more than it’s worth?
  • Are rental cars covered under my policy?
  • If my 2014 Ford E-Series Wagon is totaled, can I afford another vehicle?
  • Who is covered when they drive my 2014 Ford E-Series Wagon?
  • What can I do if my company denied a claim?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Specific coverage details

Having a good grasp of insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills like dental work, nursing services and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford E-Series Wagon.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Liability coverage

Liability coverage can cover injuries or damage you cause to other people or property. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, medical services, funeral expenses, bail bonds and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

Collision insurance covers damage to your E-Series Wagon from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, driving through your garage door, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from getting keyed, fire damage and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Have money to burn

When you buy insurance online, you should never sacrifice coverage to reduce premiums. In many cases, an insured dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best price, not the least amount of coverage.

We’ve covered many ways to reduce 2014 Ford E-Series Wagon insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may even find the lowest priced insurance coverage comes from a lesser-known regional company. Regional companies can often provide lower rates in certain areas compared to the large companies like Progressive or GEICO.

More detailed insurance coverage information can be found at these sites:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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