Best Tricks to Lowering Your Ford E350 Econoline Club Wagon Insurance Rates

Are you a victim of an underperforming, overpriced auto insurance policy? Believe me, there are many people just like you. With consumers having so many different company options, it can be challenging to find the lowest cost car insurance company.

It’s a good habit to do rate comparisons yearly because prices are adjusted regularly by insurance companies. If you had the lowest price for E350 Econoline Club Wagon insurance two years ago there is a good chance you can find better rates now. Don’t believe everything you read about auto insurance online but we’re going to give you some guaranteed methods to find cheap auto insurance.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but companies offer discounts to help bring down the price. Most are applied at quote time, but some may not be applied and must be asked for before they will apply. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

• Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount if you qualify.
• Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
• Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
• Good Student – Performing well in school can save 20 to 25%. The discount lasts until age 25.
• Federal Employees – Employees or retirees of the government can earn a discount up to 10% for E350 Econoline Club Wagon insurance with certain companies.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. Just because you may think all the discounts add up to a free policy, you’re out of luck. Any amount of discount will cut your premiums.

To see a list of insurers who offer auto insurance discounts, click this link.

Free Quotes for Auto Insurance

Performing a rate comparison can be a daunting task if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) talking to insurance companies in your area, or you can stay home and use online quoting for quick rates.

The majority of car insurance companies belong to a marketplace that enables customers to only type in their quote data once, and every company can provide price quotes based on that information. This system prevents you from having to do quote requests to each individual auto insurance company. To compare rates using this form now click here to open in new window.

The only drawback to using this type of system is that consumers can’t choose the providers you want to price. So if you want to select specific providers to compare rates, we put together a list of companies who write auto insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare identical coverages and limits with each company. If you are comparing different limits and deductibles on each one it’s not possible to make an equal comparison.

Parts of the Ford E350 Econoline Club Wagon rate equation

It’s important that you understand the rating factors that come into play when calculating auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

• How many coverages with the same company – Most insurers give discounts to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, you may still want to compare other company rates to verify if the discount is saving money. You may still be able to find a better deal by buying auto insurance from a different company.
• Big city or small town – Residing in small towns and rural areas is a positive aspect when buying auto insurance. Less people living in that area translates into fewer accidents and a lower car theft rate. City drivers tend to have more traffic problems and longer commute times. Longer commute distances means more change of being in an accident.
• Do you have a high stress job? – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as lawyers, architects and financial analysts tend to have higher average rates in part from high stress and lots of time spent at work. Conversely, occupations like scientists, engineers and performers receive lower rates for E350 Econoline Club Wagon insurance.
• High crash test scores lower rates – Vehicles with good safety scores tend to have better insurance rates. These vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Ford E350 Econoline Club Wagon earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Too many auto insurance claims drive up costs – Insurance companies award cheaper rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is designed for larger claims.
• What type of vehicle do you drive? – The performance of the car you own makes a huge difference in how high your rates are. Since the Ford E350 Econoline Club Wagon falls in the van and minivan class, insuring your vehicle will cost similar in price as compared to the average rate. Small economy passenger vehicles receive the most favorable rates, but there are many factors that impact the final cost.

Your personal situation dictates your coverage

When it comes to buying coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you might need an agent’s assistance.<img class="alignright" style="padding-top:15px" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-70.jpg" alt=" insurance quotes” />

• What are the best liability limits?
• Does coverage extend to a rental car in a foreign country?
• Do I benefit by insuring my home with the same company?
• Are there companies who specialize in insuring high-risk drivers?
• Should I file a claim if it’s only slightly more than my deductible?
• Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Are insurance agents a thing of the past?

Some people just want to visit with an insurance agent. Good agents can help determine the best coverages and give you peace of mind. The biggest benefit of price shopping on the web is you can get better rates but still work with a licensed agent. Supporting local agencies is definitely important if you live in a smaller city or town.

By using this quick form, your coverage information is emailed to participating agents who will compete for your coverage. There is no reason to leave your house due to the fact that quote results will go directly to your email. It doesn’t get any easier!

Choose the right insurance agency

When researching a good insurance agent, there are a couple of different agency structures from which to choose. Agencies are classified as either independent (non-captive) or captive. Both insure your vehicles, but it’s worth mentioning the difference between them since it may influence your selection of an agent.

Independent Agents

These agents do not work for one specific company but rather can write business with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and that require little work on your part. When searching for an agent, it’s a good idea to include at a minimum one independent agency to get the best comparison.

Captive Insurance Agents

Captive agencies write business for a single company like Farmers Insurance or State Farm. These agents are unable to shop your coverage around so keep that in mind. These agents receive extensive training in insurance sales which helps them sell insurance even at higher premiums.

To view a complete directory of agents, visit this page.

Deciding on an insurance agency needs to be determined by more than just the premium amount. Ask your prospective agent these questions:

• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Who is covered by the car insurance policy?
• Does the agency provide any after hours assistance?
• Does the company allow you to choose your own collision repair facility?
• Are they properly licensed to sell insurance in your state?
• Are there any discounts that you might be missing?

Once you have received satisfactory answers to these questions and locked in a price quote, it’s possible that you found an auto insurance agent that will properly service your auto insurance policy.

Do drivers who switch really save?

Consumers can’t ignore all the ads for car insurance savings by Allstate, GEICO and Progressive. All the companies make an identical promise that you can save after switching to their company.

How can each company make almost identical claims? It’s all in the numbers.

Insurance companies have a preferred profile for the type of driver they prefer to insure. A good example of a profitable customer could possibly be over the age of 50, owns a home, and has a short commute. A customer that hits that “sweet spot” receives the best rates and therefore will save quite a bit of money when switching.

Consumers who fall outside these standards will have to pay a more expensive rate which leads to business not being written. The ad wording is “drivers who switch” not “people who quote” save that much money. That is how insurance companies can advertise the savings.

Because of the profiling, it’s extremely important to get quotes from several different companies. It’s not possible to predict which auto insurance company will provide you with the cheapest rates.

More effort can pay off

Lower-priced Ford E350 Econoline Club Wagon insurance can be sourced both online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.