1996 Ford E-150 Car Insurance Quotes – 9 Tips for Best Rates

Trying to find cheaper insurance coverage rates for your Ford E-150? I can’t think of a single person who is fond of buying insurance coverage, in particular when the cost is too high.

Big companies like Allstate and Progressive continually bombard you with ads and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

If you currently have car insurance, you should be able to save some money using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. But drivers do need to know the way companies determine prices and use this information to your advantage.

Drivers can save with these nine discounts

Some insurance providers don’t necessarily list every discount they offer very well, so the next list breaks down a few of the more common and also the lesser-known savings tricks you should be using when you buy insurance online. If you don’t get every credit possible, you could be getting lower rates.

  • Claim-Free Discount – Drivers who don’t have accidents pay much less when compared to insureds who have frequent claims or accidents.
  • Military Discounts – Being on active duty in the military may lower your premium rates slightly.
  • Cautious Drivers – Drivers who don’t get into accidents could pay up to 40% less for E-150 insurance than drivers with accident claims.
  • Discount for Multiple Policies – If you have multiple policies and place coverage with the same company you could get a discount of at least 10 to 15 percent or more.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for E-150 insurance but check with your company.
  • Onboard Data Collection – Drivers that enable driving data submission to monitor when and where they use their vehicle by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they exhibit good driving behavior.
  • Safety Course Discount – Taking time to complete a defensive driver class could save 5% or more and make you a better driver.
  • Membership in Organizations – Being a member of certain professional organizations can get you a small discount on your next insurance coverage statement.
  • Low Miles Discount – Fewer annual miles on your Ford can qualify you for cheaper rates.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

If you would like to see a list of providers who offer insurance coverage discounts, click here.

Compare quotes for car insurance

To get affordable insurance quotes, there a variety of ways to compare rate quotes from many available car insurance companies in your state. The quickest method to find the cheapest 1996 Ford E-150 insurance rates is to perform an online rate comparison. It’s really quite simple and can be done in a couple of different ways.

  • The most recommended method to compare a lot of rates at once is a comparison rater form (click to open form in new window). This method saves time by eliminating multiple quote forms for each price estimate. One form submission will return price quotes direct from many companies.
  • A harder way to find lower rates is spending the time to visit the website of each company and repeat the quote process again and again. For examples sake, we’ll assume you want comparison quotes from State Farm, Liberty Mutual and Progressive. In order to get each rate, you would have to navigate to each company’s site and enter your information, which can get old fast. For a list of companies in your area, click here.

Which method you use is up to you, but be sure to compare identical coverages and limits on every quote. If you are comparing different data you will not be able to find the best deal for your Ford E-150. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes helps locate the best rates.

Special considerations

When choosing adequate coverage, there isn’t really a best way to insure your cars. Every situation is different and your policy should reflect that. For instance, these questions can aid in determining if you would benefit from professional advice.

  • What discounts do I qualify for?
  • Do all my vehicles need collision coverage?
  • Is my cargo covered for damage or theft?
  • Am I covered if I crash into my own garage door?
  • Should I have a commercial auto policy?
  • Can I make deliveries for my home business?
  • Will filing a claim cost me more?
  • Can I afford low physical damage deductibles?
  • Do I have coverage when pulling a U-Haul trailer?
  • What if I don’t agree with a claim settlement offer?

If you’re not sure about 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 auto insurance companies in your area.

Do insurance companies bend the truth?

Respected companies like Progressive, Allstate and Geico constantly bombard you with ads in print and on television. All the companies tend to make the same promise of big savings if you just switch to them. That’s great but how can every company offer drivers better rates? This is the trick they use.

Insurance providers give the cheapest rates for the type of insured that earns them the most money. For example, a driver they prefer could possibly be a married male, has a clean driving record, and the vehicle is rated for pleasure use. Anyone that meets those criteria may get the lowest rates and will probably save a lot of money.

Potential insureds who are not a match for this ideal profile may receive more expensive rates and this can result in the customer buying from a different company. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” save the amount stated. That is how insurance companies can confidently lure you into getting a quote.

This really drives home the point why you really need to compare free insurance quotes often. It’s not possible to predict with any certainty which company will have the lowest rate quotes.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average auto insurance policy.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a bird, damage from getting keyed and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as hospital visits, prosthetic devices and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Ford E-150.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage protection

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

Collision insurance covers claims like crashing into a building, driving through your garage door, hitting a parking meter and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance 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, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like repair costs for stationary objects, funeral expenses and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Save your hard earned cash

When you buy insurance online, never sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible at an affordable rate.

Budget-conscious 1996 Ford E-150 insurance is possible on the web and from local agencies, so you need to shop insurance with both to have the best rate selection. A few companies do not offer the ability to get a quote online and usually these smaller providers sell through local independent agents.

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