Ford E150 Club Wagon Insurance for Tightwads
If we enjoyed shopping for car insurance, we'd do it more often. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. Buying insurance on your Ford E150 Club Wagon might leave you feeling the same way.
Step One: Get Insurance Quotes
In years past, the only way to purchase car insurance was to visit the office of a local agent. Not anymore!
Getting online rate quotes for a Ford E150 Club Wagon from all the major insurance companies is very easy and only requires you to enter your information once.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your E150 Club Wagon.
Step Two: How to Save on E150 Club Wagon Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your E150 Club Wagon insurance rates.
- How is your credit rating? The better credit you have, the less insurance will cost for your E150 Club Wagon. If you have bad credit, work on improving your credit score and repair past credit problems.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- Allowing your insurance to lapse for any length of time will increase the cost of a new policy. Always keep coverage in force.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- If you're a young driver, you will pay more to insure a E150 Club Wagon. There isn't anything you can do about your age, but rates will drop as you mature.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- Particular years and models of cars tend to be frequently stolen, and if your E150 Club Wagon is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
Step Three: Make an Informed Buying Decision
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Ford added prior to the expiration of this grace period. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your E150 Club Wagon. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.