Cheapest 1999 Ford Econoline Wagon Insurance Rates in 2024

No one in their right mind cherishes buying insurance, especially when their premiums are too high. Insurance companies such as State Farm, GEICO and Farmers Insurance constantly bombard you with advertising and it is difficult to see through the deception and effectively compare rates to find the best deal.

Low Cost Insurance Coverage

Getting a lower price on 1999 Ford Econoline Wagon insurance can be relatively painless. Consumers just need to spend a few minutes comparing rate quotes from different insurance companies. This can be done in several different ways.

The most efficient way to find low rates would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing repetitive form submissions for each company. One simple form gets you coverage quotes from all major companies.

A more difficult way to obtain and compare quotes online is going to each company website to complete a price quote. For instance, we’ll pretend you want to compare State Farm, Farmers and Allstate. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The least recommended way to compare rates is to spend time driving to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you want the professional advice of a local agent. Drivers can find lower rates online but still have the advice of a local agent and we’ll touch on that later.

It doesn’t matter which method you choose, just make sure you use the exact same coverages for each comparison quote. If your comparisons have mixed coverages you can’t possibly truly determine the lowest rate.

Lots of discounts mean lots of savings

Auto insurance companies do not list every available discount very clearly, so the following is a list of both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

• Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Econoline Wagon insurance than their less cautious counterparts.
• Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for insurance for Econoline Wagon insurance.
• Claim Free – Good drivers with no accidents can save substantially as compared to bad drivers.
• College Student – Kids in college who live away from home and don’t have a car may qualify for this discount.
• Multi-policy Discount – When you combine your home and auto insurance with one company you may save at least 10% off all policies.
• New Car Discount – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
• Defensive Driving Course – Taking part in a driver safety course could save 5% or more if your company offers it.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

Car insurance companies that may have some of the above discounts are:

• American Family
• State Farm
• 21st Century
• Travelers
• GEICO

Check with each company what discounts are available to you. All car insurance discounts might not apply in every state.

Situations that might require an agent

When buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique so your insurance needs to address that. These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

• If I drive on a suspended license am I covered?
• Why am I required to buy liability insurance?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I need motor club coverage?
• What are the financial responsibility laws in my state?
• What is covered by UM/UIM coverage?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Specific coverage details

Having a good grasp of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from car insurance companies.

Comprehensive protection – This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, hitting a bird, a broken windshield and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like prosthetic devices, pain medications and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability – Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, 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, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as medical expenses, bail bonds, repair bills for other people’s vehicles, structural damage and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – This coverage covers damage to your Econoline Wagon resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford Econoline Wagon.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Make a quick buck

Discount 1999 Ford Econoline Wagon insurance is definitely available both online and also from your neighborhood agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

We just presented a lot of information how to lower your insurance rates. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with the smaller companies. These companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. There are many occasions where drivers have reduced liability coverage limits only to find out that they should have had better coverage. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

To read more, link through to these articles:

• Bodily Injury Coverage (Liberty Mutual)
• Choosing an Insurance Company (Insurance Information Institute)
• Senior Drivers (Insurance Information Institute)
• Understanding your Policy (NAIC.org)
• Driving in Bad Weather (Insurance Information Institute)
• Cellphones, Texting and Driving (iihs.org)