2014 Ford E-Series Wagon Insurance Quotes in 2024 – 6 Discounts for Cheaper Rates

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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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Have you fallen victim to an expensive car insurance policy? You’re in good company because you are not the only one feeling buyer’s remorse. You have multiple auto insurance companies to choose from, and although it’s a good thing to have a selection, having more insurers makes it harder to compare company pricing.

It’s smart to do rate comparisons occasionally since prices are rarely the same from one policy term to another. Even if you think you had the best deal for E-Series Wagon insurance two years ago you will most likely find a better rate today. Forget all the misinformation about car insurance because it’s time to teach you the easiest way to lower your annual insurance bill.

How much does insurance cost?

There are a variety of methods you can shop for insurance but some are more efficient than others. You can waste hours talking to insurance companies in your area, or you could use the internet to get rate comparisons in just a few minutes.

Many of the larger companies are enrolled in a marketplace that enables customers to submit their information once, and each participating company can give them a price based on the submitted data. This eliminates the need for quote requests to every company.

To compare rates now enter your zip code here.

The only drawback to using this type of system is you don’t know exactly the providers you will receive quotes from. So if you want to select specific insurance companies to request quotes from, we have a listing of insurance companies in your area. Click to enter zip code.

Take whichever approach you prefer, but make sure you use identical coverages and limits for every quote you compare. If each company quotes different data it’s impossible to decipher which rate is best.

Six discounts for affordable insurance rates

Some insurance providers don’t always advertise every discount they offer very well, so the below list has both the well known as well as the least known credits that you can use to lower your rates.

  • College Student Discount – who attend college more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Passive Restraint Discount – Factory air bags or automatic seat belts may earn rate discounts of 25 to 30%.
  • Online Discount – Certain larger companies will give you a small discount shop insurance coverage online.
  • Defensive Driving Course – Successfully completing a course in defensive driving could cut 5% off your bill if your company offers it.
  • Senior Citizens – Seniors are able to get better insurance rates for E-Series Wagon insurance.
  • No Claim Discounts – Claim-free drivers can save substantially when compared to drivers who are more careless.

Keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will cut the cost of coverage.

A list of insurance companies and some of the discounts are detailed below.

  • Esurance may offer discounts for Pac-12 alumni, paid-in-full, good driver, claim free, and homeowner.
  • The Hartford offers premium reductions for vehicle fuel type, good student, anti-theft, air bag, and bundle.
  • AAA offers discounts for AAA membership discount, good driver, multi-policy, multi-car, anti-theft, and pay-in-full.
  • GEICO includes discounts for multi-policy, anti-theft, membership and employees, anti-lock brakes, defensive driver, multi-vehicle, and air bags.
  • State Farm discounts include accident-free, anti-theft, Drive Safe & Save, passive restraint, student away at school, good student, and multiple autos.

If you need the cheapest insurance coverage quotes, ask all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts might not apply everywhere. If you would like to see a list of insurance companies that offer discounts, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you would benefit from professional advice.

  • Do I need higher collision deductibles?
  • How can I get high-risk coverage after a DUI?
  • Should I have a commercial auto policy?
  • Should I rate my 2014 Ford E-Series Wagon as pleasure use or commute?
  • Can I rent a car in Mexico?
  • Do I need Motor Club coverage?
  • What is the minimum liability in my state?
  • Am I covered if I break a side mirror?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and enter your zip code. It only takes a few minutes and may give you better protection.

Specific coverages for a 2014 Ford E-Series Wagon

Knowing the specifics of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on the average insurance policy.

Comprehensive auto coverage – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, damage from flooding, hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses like rehabilitation expenses, dental work, X-ray expenses, EMT expenses and chiropractic care. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical services, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision coverages – Collision insurance pays for damage to your E-Series Wagon caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like rolling your car, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Shop around and save

Throughout this article, we presented a lot of ways to compare 2014 Ford E-Series Wagon insurance rates online. It’s most important to understand that the more times you quote, the higher your chance of finding cheap insurance coverage. Consumers could even find that the best rates are with some of the lesser-known companies. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

Cost effective 2014 Ford E-Series Wagon insurance is possible both online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance coverage companies do not offer online rate quotes and many times these small insurance companies provide coverage only through independent agencies.

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