View 1997 Ford E-350 Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Ford E-350? Are you tired of sacrificing other expenses to pay high insurance coverage rates every month? Your situation is no different than most other people. Online insurance companies like State Farm, Progressive and Geico continually hit you with TV and radio ads and it is difficult to see through the deception and find the best price available.

If you have a current car insurance policy or are just looking to switch companies, you can learn to reduce the price you pay and still get good coverage. Finding affordable coverage is quite easy. Drivers only need to know the tricks to compare rates over the internet.

How car insurance companies determine Ford E-350 insurance rates

Many different elements are used in the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, but others are not as apparent such as your marital status or your vehicle rating.Smart consumers have a good feel for some of the things that help determine your policy premiums. If you know what influences your rates, this helps enable you to make changes that can earn you cheaper rates.

The items below are some of the items insurance coverage companies consider when setting premiums.

  • Extra coverages may be wasting money – There are a lot of additional coverages that you can buy if you don’t pay attention. Coverage for things like rental car reimbursement, towing, and membership fees may be wasting your money. They may sound like good ideas at first, but now you might not need them so remove them and pocket the money.
  • Car plus home equals more savings – Many insurers will give better rates to people that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, you still need to compare rates to guarantee you are still saving the most.
  • Females tend to cost less – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, don’t assume that males are worse at driving than females. They both cause auto accidents in similar numbers, but the males cause more damage. Not only are claims higher, but men have more aggressive citations like DUI and reckless driving.
  • Always keep your insurance coverage in place – Having a lapse in insurance coverage will be a sure-fire way to trigger a rate increase. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license. You may have to file a SR-22 with your state DMV.
  • Rural vs Urban Areas – Choosing to live in a rural area is a good thing when it comes to insurance coverage. Drivers who live in large cities tend to have more auto accidents and a longer drive to work. Fewer drivers corresponds to lower accident rates as well as less vandalism and auto theft.

Lower rates by qualifying for discounts

Car insurance can be pricey, but you may find discounts that can dramatically reduce your bill. A few discounts will be applied when you quote, but some discounts are required to be specifically requested before being credited.

  • Distant College Student Discount – Kids who attend college more than 100 miles from home and leave their car at home can receive lower rates.
  • Renewal Discounts – A few car insurance companies allow discounts for buying a new policy early. It could save around 10% when you buy insurance coverage online.
  • Passive Restraint Discount – Factory air bags may earn rate discounts of 20 to 30 percent.
  • Multi-line Discount – Larger car insurance companies have a lower car insurance rate if you buy life insurance.
  • E-sign – A handful of car insurance companies will give you a small discount for buying your policy on your computer.
  • No Accidents – Drivers who don’t have accidents pay much less compared to frequent claim filers.
  • Save with More Vehicles Insured – Purchasing coverage when you have primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
  • Home Ownership Discount – Being a homeowner can save a few bucks because of the fact that having a home means you have a higher level of financial diligence.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, that’s just not realistic.

A list of companies and their offered discounts are detailed below.

  • The Hartford offers discounts including air bag, good student, bundle, defensive driver, anti-theft, and driver training.
  • American Family offers premium reductions for Steer into Savings, multi-vehicle, TimeAway discount, good driver, and early bird.
  • Progressive offers discounts for online quote discount, continuous coverage, multi-policy, homeowner, and online signing.
  • Travelers has discounts for driver training, save driver, home ownership, payment discounts, new car, multi-policy, and student away at school.
  • Farmers Insurance discounts include teen driver, early shopping, youthful driver, business and professional, multi-car, and bundle discounts.
  • USAA includes discounts for defensive driver, multi-vehicle, family discount, loyalty savings, good student, multi-policy, and military installation.
  • Liberty Mutual may offer discounts for good student, multi-car, newly retired, preferred payment discount, multi-policy, new move discount, and new graduate.

When comparing rates, check with every company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply in your area. If you would like to see a list of car insurance companies who offer cheap car insurance quotes, click this link.

Do drivers who switch really save $489 a year?

Consumers constantly see and hear ads that claim the cheapest car insurance rates from companies such as Allstate, Geico and Progressive. They all seem to advertise claims that you’ll save big after switching your policy.

How is it plausible that every one can make the same claim? This is how they do it.

Companies provide the lowest rates for the driver that earns them the most money. For example, a profitable customer might be described as between the ages of 30 and 45, has few claims, and has a high credit rating. A driver who fits that profile may get the lowest car insurance rates as well as cut their rates if they switch.

Consumers who are not a match for these criteria will probably have to pay a more expensive rate which leads to the customer buying from someone else. The ads say “customers that switch” not “all people who quote” save that kind of money. That’s why companies can make claims like that.

Because every company is different, drivers should compare price quotes frequently. It’s just not possible to know which company will fit you best based on your risk profile.

Insurance coverage is unique, just like you

When buying coverage, there really is not a “best” method to buy coverage. Every situation is different so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • Am I covered if I crash into my own garage door?
  • Are my friends covered when driving my car?
  • Does my 1997 Ford E-350 qualify for pleasure use?
  • Will I lose any money if I cancel my policy before it expires?
  • If I drive on a suspended license am I covered?
  • How many claims can I have before being cancelled?
  • When should I not file a claim?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Coverages available on your policy

Knowing the specifics of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance coverage covers 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 can pay for claims like theft, damage from a tornado or hurricane, hitting a bird and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

This coverage will pay to fix damage to your E-350 resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, driving through your garage door, rolling your car, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses like doctor visits, dental work and chiropractic care. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your 1997 Ford E-350.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Liability

Liability insurance provides protection from damage that occurs to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like loss of income, emergency aid, structural damage and medical services. How much coverage you buy is up to you, but consider buying as much as you can afford.

Saving money is sweet as honey

Lower-priced insurance can be purchased both online and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not have internet price quotes and these small insurance companies only sell coverage through independent agencies.

We covered some good ideas how to compare 1997 Ford E-350 insurance rates online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the biggest savings come from a lesser-known regional company. Regional companies can often provide lower car insurance rates in certain areas than their larger competitors like Progressive or Geico.

To read more, feel free to visit the resources below: