1990 Ford E-250 Insurance Rates – 6 Discounts for Best Quotes

Trying to find lower auto insurance rates for your Ford E-250? Did you fall for a flashy sales pitch and buy high-priced auto insurance? It’s a common feeling and many drivers feel the same as you.

Big companies like Allstate, Progressive and Geico persitently shower you with ad campaigns and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you have car insurance now, you will be able to cut costs considerably using this information. Buying car insurance is quite easy. But vehicle owners must understand how big insurance companies price online insurance and apply this information to your search.

Auto insurance discounts are available to lower your rates

Some insurers don’t always publicize every policy discount very clearly, so the list below details a few of the more well known and the harder-to-find credits available to you.

  • Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you may reduce your total bill.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings of up to 25% or more.
  • Membership in Organizations – Belonging to qualifying clubs or civic groups is a good way to get lower rates when getting a insurance coverage quote.
  • Own a Home and Save – Being a homeowner can save a few bucks because owning a home shows financial diligence.
  • E-sign – A few larger online companies will discount your bill up to fifty bucks for buying a policy and signing up on the web.
  • Buy New and Save – Buying a new car model can save you some money because newer models keep occupants safer.

Remember that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, you won’t be that lucky.

A list of auto insurance companies and a partial list of their discounts are detailed below.

  • Farm Bureau may have discounts that include driver training, good student, renewal discount, multi-vehicle, 55 and retired, multi-policy, and youthful driver.
  • Liberty Mutual offers discounts including good student, multi-car, safety features, exclusive group savings, hybrid vehicle, multi-policy, and new graduate.
  • State Farm policyholders can earn discounts including safe vehicle, student away at school, multiple policy, Drive Safe & Save, multiple autos, and passive restraint.
  • Auto-Owners Insurance has discounts for anti-theft, teen driver, company car, multi-policy, student away at school, anti-lock brakes, and multiple vehicles.
  • Geico offers discounts for defensive driver, emergency military deployment, federal employee, daytime running lights, anti-theft, multi-policy, and anti-lock brakes.
  • SAFECO may include discounts for teen safe driver, safe driver, bundle discounts, teen safety rewards, anti-theft, homeowner, and drive less.

When getting free insurance coverage quotes, it’s a good idea to each company or agent which discounts you may be entitled to. Some credits might not apply in your area. If you would like to view insurers that provide some of the discounts listed above, follow this link.

Cheapest car insurance quotes

Comparing car insurance rates can take hours if you don’t utilize the most efficient way to do it. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to quickly compare rates.

All the larger companies enroll in a system where insurance shoppers submit one quote, and at least one company then returns a price quote based on that data. This system prevents you from having to do quote forms to each individual car insurance company.

To access this free quoting program, click here to start a free quote.

The single downside to comparing rates this way is you cannot specify which companies you want pricing from. If you would rather choose individual companies for rate comparison, we have assembled a list of car insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make sure you use the same coverages and limits with every price quote. If you have different liability limits it’s not possible to find the best deal for your Ford E-250. Having just a slight variation in coverage limits could skew the results. And when quoting car insurance, remember that having more price comparisons helps improve the odds of finding more affordable insurance.

Everyone needs different insurance coverages

When buying the best insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help highlight if your situation could use an agent’s help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my car insurance cover rental cars?
  • Should I sign the liability waiver when renting a car?
  • Is my babysitter covered when using my vehicle?
  • Why does it cost so much to insure a teen driver?
  • Do I have coverage when using my vehicle for my home business?
  • Should I have combined single limit or split liability limits?
  • When does my teenage driver need to be added to my policy?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Beware of misleading auto insurance ads

Companies like Progressive, Allstate and Geico consistently run television and radio advertisements. All the ads seem to make the promise about saving some big amount just by switching your auto insurance coverage to their company. How does each company sell you cheaper insurance coverage? You have to listen carefully.

Many companies give the cheapest rates for the type of driver that makes them money. For instance, a profitable risk profile might be a married male, has a clean driving record, and drives less than 5,000 miles a year. A driver who matches that profile receive the lowest rate quotes and as a result will probably save when they switch companies.

Drivers who fall short of those criteria will have to pay higher prices which leads to the customer buying from someone else. If you listen to the ad wording, they say “people who switch” not “everyone that quotes” save that much. This is how insurance companies can advertise the savings. That is why drivers should get price quotes at each policy renewal. It is just not possible to predict which insurance companies will fit you best based on your risk profile.

Insurance policy coverages for a Ford E-250

Having a good grasp of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.

Uninsured and underinsured coverage – This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like rolling your car, colliding with a tree, crashing into a ditch, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability insurance – Liability insurance protects you from damage that occurs to other people or property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as court costs, loss of income and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, theft, hail damage, damage from flooding and fire damage. The maximum payout 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.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for bills for things like hospital visits, nursing services, dental work and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Make a quick buck

We covered a lot of information how to save on 1990 Ford E-250 insurance. It’s most important to understand that the more companies you get prices for, the higher your chance of finding affordable insurance coverage. Consumers could even find that the best price on insurance coverage is with an unexpected company. Regional companies may only write in your state and offer lower prices than their larger competitors like Geico and State Farm.

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. Too many times, consumers will sacrifice liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

More affordable insurance coverage is available on the web in addition to many insurance agents, so you need to shop insurance coverage with both to have the best rate selection. Some insurance providers may not offer price quotes online and usually these small, regional companies only sell coverage through independent agents.

More tips and info about insurance coverage can be read in these articles: