How Much Does 2001 Ford Econoline Cargo Insurance Cost?

Searching for the cheapest car insurance rates for your Ford Econoline Cargo? Locating the cheapest insurance for a Ford Econoline Cargo can turn out to be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to compare car insurance rates so you’re going to learn the best way to price shop coverage for a new or used Ford and obtain the lowest possible price.

It’s a good idea to do price comparisons at least once a year since insurance prices tend to go up over time. Even if you think you had the best price on Econoline Cargo insurance two years ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because we’re going to show you the fastest way to find lower rates on car insurance.

If you have a policy now or need a new policy, you can learn to cut your premiums and still get good coverage. Locating cheaper insurance coverage is simple if you know the tricks. Consumers just need to learn the most efficient way to compare company rates online.

How to compare car insurance quotes

Shopping for lower car insurance rates can take hours if you don’t understand the fastest way to get free quotes. You could spend the better part of a day discussing policy coverages with agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Most major companies participate in a marketplace that enables customers to send in one quote, and each company then gives them pricing determined by their information. This saves time by eliminating form submissions for every car insurance company.

To use this form to compare rates click here to open in new window.

The only drawback to using this type of system is that you can’t choose the providers to get quotes from. If you would rather choose from a list of companies for rate comparison, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you use identical coverages and limits on every price quote you get. If you compare differing limits it will be nearly impossible to make an equal comparison.

You are unique and your car insurance should be too

When choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

These are some specific questions might point out whether you will benefit from professional help.

  • Does my medical payments coverage pay my health insurance deductible?
  • If my pet gets injured in an accident are they covered?
  • What is medical payments coverage?
  • Am I covered if hit by an uninsured driver?
  • Does having multiple vehicles earn me a discount?
  • Can my babysitter drive my car?
  • Am I covered if I wreck a rental car?
  • Can I afford low physical damage deductibles?
  • Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your auto insurance policy

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, rock chips in glass, fire damage, falling objects and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as doctor visits, dental work, funeral costs and hospital visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Econoline Cargo.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability car insurance – This coverage will cover damage that occurs to other people or property. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has 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 values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as funeral expenses, pain and suffering and emergency aid. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.