1991 Ford E-350 Car Insurance Quotes – 7 Tips to Save

Having to pay for pricey Ford E-350 insurance can drain your family’s budget and force you to make tough financial choices. Comparison shopping can help to make sure you’re not throwing money away.

Companies like Progressive, Geico and Farmers Insurance all claim big savings, bombarding you with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

You should make it a habit to do rate comparisons yearly because prices change regularly. Just because you found the best price on E-350 insurance on your last policy you can probably find a better rate quote now. Forget all the misinformation about insurance coverage because we’re going to demonstrate the easiest way to find the best coverage while lowering your premiums.

If you have a policy now or are looking for a new policy, you will benefit by learning to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Vehicle owners just need to know the best way to compare price quotes online.

More discounts mean cheaper premiums

Not too many consumers would say insurance coverage is affordable, but there could be significant discounts that could drop your premiums quite a bit. Some of these disounts will be visible when you get a quote, but some must be asked about prior to getting the savings.

  • Smart Student Discounts – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
  • Telematics Data – People who choose to allow driving data submission to scrutinize when and where they use their vehicle through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they show good driving skills.
  • Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control are safer to drive and qualify for as much as a 10% discount.
  • Accident Free – Claim-free drivers can earn big discounts compared to frequent claim filers.
  • Mature Driver Discount – Seniors may receive a small discount on rates on E-350 insurance.
  • Air Bag Discount – Cars that have air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
  • Low Miles Discount – Keeping the miles down on your Ford may enable drivers to earn discounted premium rates on garaged vehicles.

As is typical with insurance, most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. So even though you would think you could get a free insurance coverage policy, nobody gets a free ride. But all discounts will definitely reduce your policy premium.

Companies that have many of the previously listed discounts include:

When getting a coverage quote, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply in your state. To see a list of insurers that offer many of these discounts, follow this link.

Be skeptical of car insurance ads

Drivers can’t avoid all the ads for cheaper car insurance from companies such as Progressive, Allstate and Geico. All the companies advertise the message that people will save just by switching to them.

But how can every company lower your auto insurance rates?

All the different companies have specific characteristics for the type of insured that earns them a profit. An example of this type of risk profile may need to be over the age of 35, owns their home, and drives a car with an anti-theft system. A customer who fits that profile will probably get the lowest rates and will most likely pay quite a bit less when switching companies.

Drivers who fall short of those criteria will be quoted higher premium rates which translates to the customer buying from a different company. The trick is to say “drivers who switch” not “everybody who quotes” can save as much as they claim. That is how companies can truthfully make those statements. Different companies use different criteria so you really need to get a wide range of price quotes. It is impossible to guess which car insurance company will fit you best based on your risk profile.

It’s not one size fits all

When choosing coverage, there really is no single plan that fits everyone. Each situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Does coverage extend to Mexico or Canada?
  • Should I waive the damage coverage when renting a car?
  • Does my 1991 Ford E-350 need full coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How high should deductibles be on a 1991 Ford E-350?
  • What is covered by UM/UIM coverage?
  • Do I have coverage if my license is suspended?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Learn about insurance coverages for a Ford E-350

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses such as surgery, rehabilitation expenses and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as repair bills for other people’s vehicles, legal defense fees, emergency aid, pain and suffering and court costs. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford E-350.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, hitting a deer and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

This coverage will pay to fix damage to your E-350 caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, backing into a parked car, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Take this to the bank

We just showed you some good ideas how you can compare 1991 Ford E-350 insurance car insurance rates online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from a small local company. Some small companies often have lower premium rates on specific markets as compared to the big name companies such as Allstate and Progressive.

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed uninsured motorist or liability limits only to find out that it was a big mistake. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Much more information about insurance coverage is located at the links below