View 1990 Ford E-150 Insurance Rates

Looking for lower auto insurance rates for your Ford E-150? Are you regretting buying high-priced auto insurance? Trust us, many consumers feel financially strained by their auto insurance policy.

Many car insurance companies compete to insure your vehicles, so it’s not easy to compare every provider and get the best coverage at the best rates possible.

Get cheap rates with these insurance discounts

Car insurance companies do not list their entire list of discounts in an easy-to-find place, so we break down some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online.

  • Discounts for Federal Employees – Active or retired federal employment can earn a discount up to 10% on E-150 coverage with certain companies.
  • One Accident Forgiven – Not necessarily a discount, but some insurance companies permit an accident before they charge you more for coverage if your claims history is clear before the accident.
  • Home Ownership Discount – Owning a house can get you a discount because maintaining a house means you have a higher level of financial diligence.
  • Telematics Devices – People who choose to allow their insurance company to look at vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they are good drivers.
  • Discount for Passive Restraints – Factory air bags or motorized seat belts may get savings of more than 20%.

Just know that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you can get free auto insurance, it’s just not the way it works.

A list of companies and some of the premium reductions they offer are shown below.

  • State Farm may have discounts that include driver’s education, safe vehicle, defensive driving training, good driver, accident-free, and student away at school.
  • Progressive has discounts for multi-vehicle, homeowner, multi-policy, good student, continuous coverage, and online quote discount.
  • Progressive may offer discounts for online signing, online quote discount, multi-policy, multi-vehicle, homeowner, and good student.
  • MetLife may include discounts for defensive driver, good student, claim-free, multi-policy, and accident-free.
  • Farm Bureau offers discounts including safe driver, renewal discount, 55 and retired, multi-vehicle, and multi-policy.
  • Geico has savings for military active duty, five-year accident-free, air bags, driver training, and defensive driver.
  • SAFECO discounts include multi-car, anti-theft, anti-lock brakes, homeowner, teen safety rewards, and teen safe driver.

If you need lower rates, check with each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies in your area. For a list of insurance companies that can offer you the previously mentioned discounts, click here to view.

The best way to compare car insurance company rates is to realize auto insurance companies participate in a system to provide you with a free rate quote. All you need to do is provide details such as how many miles driven, how old drivers are, your education level, and how much coverage you want. Your rating data gets transmitted to many of the top insurers and they return quotes immediately.

Auto insurance can get complicated

When choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different and your policy should reflect that. For example, these questions could help you determine if your situation might need an agent’s assistance.

  • How much can I save by bundling my policies?
  • What happens if I owe more than my 1990 Ford E-150 is worth?
  • Does coverage extend to a rental car in a foreign country?
  • What is high-risk coverage and where do I buy it?
  • What vehicles should carry emergency assistance coverage?
  • Do I need replacement cost coverage?
  • Is my babysitter covered when using my vehicle?
  • If my 1990 Ford E-150 is totaled, can I afford another vehicle?
  • Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverages

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like X-ray expenses, ambulance fees, prosthetic devices and dental work. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision – Collision coverage covers damage to your E-150 caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like sustaining damage from a pot hole, crashing into a ditch, backing into a parked car, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability – Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles, funeral expenses, medical services and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, a broken windshield and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Ford E-150.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Best coverage at the best price

Discount 1990 Ford E-150 insurance can be purchased online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. A few companies do not provide online quoting and these regional carriers provide coverage only through local independent agents.

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. In too many instances, drivers have reduced liability limits or collision coverage and learned later they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.

More detailed car insurance information is located in the articles below: