1993 Ford E-350 Insurance Cost – 9 Tips for Cheaper Prices

Trying to come up with a payment for overpriced car insurance can deplete your funds, especially in this economy. Comparing rate quotes is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Companies like Allstate and Progressive persitently shower you with ads and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.

Car insurance discounts help cut rates

Companies don’t necessarily list all disounts in a way that’s easy to find, so below is a list a few of the more well known as well as some of the hidden discounts that you may qualify for.

  • More Vehicles More Savings – Buying a policy with primary and secondary vehicles with the same car insurance company may reduce the rate for each vehicle.
  • Memberships – Participating in qualifying clubs or civic groups is a good way to get lower rates when getting a insurance quote.
  • Driver Safety – Taking time to complete a defensive driving course could save 5% or more and make you a better driver.
  • Low Mileage Discounts – Driving less can qualify you for better car insurancerates on cars that stay parked.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.
  • Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems help deter theft and that can save you a little bit as well.
  • Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease for E-350 coverage with select insurance companies.
  • Smart Student Discounts – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Accident-Free Discounts – Insureds with no claims or accidents have much lower rates as compared to drivers who are more careless.

As a sidenote, most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

To see insurers that offer multiple discounts, click this link.

Which is the best insurance?

When buying coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you would benefit from an agent’s advice.

  • Should I buy full coverage?
  • What is the minimum liability in my state?
  • When should I not file a claim?
  • Can I get a multi-policy discount?
  • Will my rates increase for filing one claim?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Why you might not save $407 a year

Consumers can’t escape the ads for cheaper insurance by companies like Geico, State Farm and Progressive. All the companies make an identical promise that you’ll save big just by switching your policy.

Is it even possible that every company can offer drivers better rates? Just pay attention to how they say it.

Companies look for specific characteristics for the driver that will add to their bottom line. For example, a profitable customer might be between the ages of 30 and 50, has few claims, and the vehicle is rated for pleasure use. Any person who meets those qualifications will probably get cheap car insurance rates and will most likely save when switching.

Drivers who are not a match for this ideal profile may be forced to pay higher prices which leads to the customer buying from someone else. The ads state “drivers that switch” not “all people who quote” save money. This is how companies can truthfully make those claims.

Because of this risk profiling, you absolutely need to compare quotes as often as possible. It’s not possible to predict which insurance company will have better rates than you’re paying now.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills like nursing services, X-ray expenses and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, fire damage, hail damage, vandalism and falling objects. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims. It does not 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 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees, medical services, loss of income and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage protection

Collision insurance pays for damage to your E-350 resulting from a 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 claims like crashing into a ditch, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Don’t break the bank

Cost effective 1993 Ford E-350 insurance is available from both online companies as well as from independent agents, and you need to price shop both to have the best selection. A few companies do not offer price quotes online and most of the time these regional carriers prefer to sell through independent agents.

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your goal is to get the best coverage possible at a price you can afford while still protecting your assets.

We just covered many ways to shop for 1993 Ford E-350 insurance online. It’s most important to understand that the more you quote insurance, the better your chances of lowering your auto insurance rates. Drivers may discover the best rates are with the least-expected company. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

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