1993 Ford E-150 Insurance Quotes – 9 Ways to Save

Searching for lower car insurance rates? Consumers have many options when looking for low-cost Ford E-150 insurance. They can either waste time struggling with agents getting price quotes or utilize the internet to compare rates. There is a better way to find car insurance online so you’re going to learn the best way to compare rates on a Ford and obtain the best price possible from local insurance agents and online providers.

Buying car insurance is not that difficult. If you are paying for car insurance now, you will most likely be able to save some money using these methods. Drivers just need to know the best way to compare rates on the web.

The easiest way to compare car insurance company rates is to take advantage of the fact most insurance companies pay for the opportunity to give you rate quotes. The only thing you need to do is provide a little information like if the vehicle is leased, whether you are single or married, the make and model of your vehicles, and how your vehicles are used. That information is sent automatically to multiple top-rated companies and you will get price comparisons with very little delay.

Car insurance myths debunked

Drivers can’t escape the ads that claim the best premium rates by companies like State Farm, Geico and Progressive. All the ads make the point of big savings if you switch to their company.

How does every car insurance company have lower policy pricing?

All the different companies give the cheapest rates for the type of customer that earns them a profit. An example of a preferred risk might be married and over the age of 30, has a clear driving record, and the vehicle is rated for pleasure use. A propective insured who fits that profile will get very good auto insurance rates and therefore will save a lot of money.

People who cannot meet this stringent profile will probably have to pay higher prices which usually ends up with the customer not purchasing. If you pay attention, the ads say “people who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way insurance companies can advertise the savings. Because each company has a different risk profile, you really should get price quotes at each policy renewal. It is impossible to predict which company will provide you with the cheapest auto insurance rates.

Get cheaper insurance rates with discounts

The cost of insuring your cars can be expensive, but companies offer discounts that many consumers don’t even know exist. Certain credits will be shown when you quote, but once in a while a discount must be asked for before you will receive the discount. If you are not receiving all the discounts you qualify for, it’s possible you qualify for a lower rate.

  • Accident-Free Discounts – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Theft Deterent Discount – Cars that have factory anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Homeowners Pay Less – Just owning your own home can earn you a little savings because of the fact that having a home requires a higher level of personal finance.
  • Discount for Multiple Policies – When you have multiple policies with the same company you could get a discount of nearly 15% which can help you find cheaper auto insurance.
  • Good Grades Discount – Being a good student can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Drive Less and Save – Driving less could earn slightly better insurancerates than normal.
  • College Student Discount – who live away from home at college and do not take a car to college may qualify for this discount.
  • Senior Discount – If you’re over the age of 55, you may be able to get better insurance rates for E-150 insurance.
  • Student Driver Training – Have your child participate in a local driver’s education class in high school.

As a footnote on discounts, some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you can get free auto insurance, it’s just not the way it works.

A partial list of companies that may offer quotes with most of these discounts include:

If you are trying to find cheap auto insurance quotes, ask every company which discounts you qualify for. Discounts might not be offered on policies in your area. To view insurers that offer many of these discounts, click here.

Tailor your insurance coverage coverage to you

When choosing coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Is my nanny covered when driving my vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I insured when driving a different vehicle?
  • How much liability insurance is required?
  • Is my 1993 Ford E-150 covered for smoke damage?
  • Is a fancy paint job covered?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why am I required to buy high-risk coverage?
  • Am I covered when using my vehicle for business?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Understanding the coverages of car insurance can be of help when determining the best coverages for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Collision coverage – This covers damage to your E-150 resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, colliding with a tree, damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, damage from a tornado or hurricane and fire damage. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like X-ray expenses, dental work, pain medications and prosthetic devices. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Liability car insurance – Liability insurance protects you from damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as emergency aid, bail bonds, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Be a Smart Shopper

Drivers change insurance companies for a variety of reasons including poor customer service, lack of trust in their agent, high prices and not issuing a premium refund. It doesn’t matter why you want to switch switching auto insurance companies can be easy and end up saving you some money.

When searching for cheaper auto insurance quotes, do not skimp on coverage in order to save money. There are too many instances where an insured cut liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

In this article, we presented quite a bit of information on how to compare 1993 Ford E-150 insurance premium rates online. The key thing to remember is the more companies you get prices for, the better chance you’ll have of finding cheaper auto insurance. You may even find the lowest premium rates come from the least-expected company.

Additional detailed information is available in the articles below: