How to Slash Your Ford E150 Econoline Van Car Insurance Prices in Nevada

Feel like you’re a prisoner to overpriced car insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Many insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute best rates possible.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Buying car insurance is not rocket science. Although Nevada consumers must learn how the larger insurance companies determine prices because it can help you find the best coverage.

Save big with these discounts

Companies offering auto insurance do not list every discount very well, so here is a list some of the best known and also the lesser-known discounts you could be receiving.

  • Defensive Driving Course – Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Sign Online – Some insurance companies will give a small break simply for signing on their website.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may save approximately 10% to 15%.
  • Own a Home – Owning a home may earn you a small savings because owning a home shows financial diligence.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on E150 Econoline van insurance with a few car insurance companies.
  • Club Memberships – Affiliation with a qualifying organization is a good way to get lower rates when buying car insurance on E150 Econoline van insurance.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.

It’s important to note that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, companies wouldn’t make money that way.

To see a list of insurers offering car insurance discounts in Nevada, click here to view.Nevada auto insurance

Pieces of the Ford E150 Econoline Van rate puzzle

An important part of buying insurance is that you know the different types of things that help determine the price you pay for car insurance. Knowing what determines base rates helps enable you to make changes that may reward you with lower car insurance prices.

  • Better crash test results mean better rates – Safer cars are cheaper to insure. These vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Ford E150 Econoline Van earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Performance level impacts rates – The performance of the vehicle you are insuring makes a substantial difference in the rate you pay. The lowest rates are for lower performance four cylinder passenger vehicles, but other factors influence the final cost greatly. Since the Ford E150 Econoline Van is considered a van and minivan, rates will be similar in price when compared to the average rates.
  • How credit affects car insurance rates – Having a bad credit history is a big factor in calculating your car insurance rates. Therefore, if your credit score is not that good, you could pay less to insure your Ford E150 Econoline Van by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • More claims means more premium – Companies in Nevada award lower rates to policyholders who file claims infrequently. If you frequently file small claims, you can expect higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Liability coverage is cheap – The liability section of your policy is the coverage that protects you when a jury decides you are liable for damages from an accident. It provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.

But I don’t know anything about car insurance

When choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

  • What are Nevada no-fault laws?
  • Is my nanny covered when driving my vehicle?
  • Is rental equipment covered for theft or damage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I have coverage for damage caused while driving under the influence?
  • What should my uninsured motorist coverage limits be in Nevada?
  • Do I have coverage when making deliveries for my home business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Do you really save 40% when you switch?

Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. All the companies say the same thing that you can save if you switch to their company. How does each company make almost identical claims?

Insurance companies can use profiling for the driver that earns them a profit. An example of a driver they prefer could possibly be over the age of 50, has no prior claims, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and most likely will cut their rates substantially.

Drivers who don’t qualify for these standards will have to pay higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently advertise the savings. Because of the profiling, it is so important to compare as many rates as you can. It’s not possible to predict the company that will give you the biggest savings.

Additional detailed information is available at the Nevada Division of Insurance website. Nevada consumers can file complaints about a company, report car insurance fraud, read consumer alerts, and file complaints about an insurance agent or broker.

These articles may also be worth reading.

Final considerations

Lower-priced Ford E150 Econoline Van insurance can be sourced both online as well as from independent agents in Nevada, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

We just presented many ways to get a better price on Ford E150 Econoline Van insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the most savings is with a small local company. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.