The average annual premium for a Ford E-Series is $1,152 for full coverage.

Ford E-Series drivers are required to purchase car insurance. You can choose from full coverage with more protection or the state-required minimum, which offers third-party benefits only.

Are you looking for an affordable policy that meets your needs and budget? If so, Freeway Insurance is ready to step up to the plate.

As a Ford E Series driver, you can benefit from various insurance options, including state minimum liability, full coverage and a variety of other types such as uninsured motorist coverage or rental car reimbursement.

State minimum liability only provides third-party benefits (covering the cost of damages and injuries sustained by others in an at-fault accident you cause (whereas full coverage includes third-party and first-party benefits with protections for you, your passengers, and your vehicle).

Full Coverage

A full coverage policy consists of liability, collision, and comprehensive coverage.

Collision and comprehensive coverage pay for repairs and replacement to your vehicle in case of crashes or non-collision-related scenarios such as rollover collisions, fire, theft, and falling tree limbs.

State Minimum Liability

To legally operate a vehicle in your state, you must carry at least a state minimum liability policy that provides third-party benefits for bodily injury and property damage liability, covering the cost of damages and injury sustained by others in an accident you cause.

Liability is the most fundamental part of a policy, comprising of bodily injury and property damage liability that pays for lost income, property repairs, and medical bills for third parties in an at-fault accident you cause.

State minimum liability is expressed as three numbers (e.g., 25/50/25). Using Connecticut as an example, all drivers are required to carry a minimum of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability.

We highly recommend that you seek higher coverage limits to ensure you have enough protection in case of a serious accident. Remember that you will be held liable to cover all remaining expenses if the cost of third-party damages or injuries surpasses your coverage limits.

Many factors influence your auto insurance premiums, including your vehicle make/model, selected coverages/deductibles, and driving record.

Vehicle Make/Model

Your vehicle make and model plays a major role in determining what you pay. You can expect to pay higher premiums if your car is more expensive to repair or maintain and has high theft rates.

Selected Coverages & Deductibles

As for selected coverages and deductibles, expect to pay higher premiums with higher coverage limits and lower deductibles since you are cutting your out-of-pocket expenses in case a claim is filed. Inversely, expect lower premiums if you select lower coverage limits and higher deductibles.

Driving Record

If you have a record free of at-fault accidents, claims, and moving violations, insurance companies will determine that you are low risk, which means you’ll pay much less.

A DUI (Driving Under the Influence) can seriously impact your auto insurance rates.

Ways DUIs affect your rates include premium increases, high-risk classification, and the required filing of an SR-22, a document filed with your state’s Department of Motor Vehicles (DMV) that lets everyone know you carry the minimum liability insurance coverage. Expect to pay a fee for filing.

On top of that, you may also face policy non-renewal or cancellation, where your provider may outright deny you coverage. From there, you may have to refer to DUI solution providers to find a policy.

Lastly, expect your premium to stay up for quite some time after the DUI conviction. Your rates will remain elevated for at least three years, depending on your provider and your state’s lookback window. However, it should gradually decrease if you maintain a clean driving record.

Also known as the Ford Econoline, the E-Series is a vehicle in the van segment, discontinued after the 2015 model year. It is available in three trims: XL, XLT, or XLT Premium with regular/extended wheelbases in the wagon and cargo van body configurations.

Standard features include rear-wheel drive, seating for up to 15 passengers, durable vinyl upholstery, manual air conditioning, AM/FM radio, and anti-block brakes for improved braking performance.

Main competitors are the Nissan NV, Chevrolet Express, GMC Savana, and Mercedes-Benz Sprinter.