1998 Ford E-250 Insurance Quotes

Want lower auto insurance rates for your Ford E-250? Perplexed by the number of auto insurance sources? people have such a vast assortment of sources available that it can turn into a challenge to lower your rates.

How to compare insurance quotes

All major insurance companies provide coverage price quotes directly from their websites. This process is possible for anyone because you just enter your coverage preferences into a form. After you complete the form, their rating system makes automated requests for reports for credit and driving violations and returns pricing information determined by many factors.

Online quotes simplifies rate comparisons, but the process of having to visit a lot of sites and complete many quote forms can be a bit tiresome and repetitive. But it’s absolutely necessary to perform this step in order to get the best price on insurance.

The smarter way to lower your insurance bill makes use of a single form that gets price quotes from many companies. It saves time, eliminates repetitive work, and makes price shopping online much simpler. After sending your information, it is rated and you can select your choice of the quotes returned. If you find a better price you can simply submit the application and buy the policy. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

To save time and find out if lower rates are available, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you enter deductibles and limits identical to your current policy. Using the same limits helps guarantee you’re receiving an apples-to-apples comparison for exact coverage.

Take advantage of with these discounts

Insuring your vehicles can cost a lot, but there are discounts available that may help make it more affordable. Many of these discounts will be applied automatically when you complete an application, but a few need to be manually applied prior to getting the savings.

  • Mature Driver Discount – Older drivers can possibly qualify for reduced rates on E-250 insurance.
  • Switch and Save Discount – Some companies give discounts for switching to them prior to your current policy expiring. This discount can save up to 10%.
  • Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
  • Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy life insurance.
  • Paperless Signup – Many larger companies provide a small discount simply for signing over the internet.

It’s important to note that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

Popular insurance companies and their possible discounts are detailed below.

  • Geico offers discounts for anti-lock brakes, driver training, federal employee, daytime running lights, and five-year accident-free.
  • SAFECO offers discounts including anti-lock brakes, safe driver, bundle discounts, homeowner, teen safe driver, and multi-car.
  • State Farm policyholders can earn discounts including good student, multiple autos, accident-free, Steer Clear safe driver discount, multiple policy, and Drive Safe & Save.
  • MetLife offers premium reductions for accident-free, good driver, multi-policy, claim-free, defensive driver, and good student.
  • 21st Century may include discounts for anti-lock brakes, automatic seat belts, good student, defensive driver, and homeowners.
  • Progressive may offer discounts for homeowner, multi-vehicle, online quote discount, good student, and multi-policy.

Before purchasing a policy, check with every prospective company which discounts they offer. Some discounts might not be offered in your area. If you would like to see a list of insurance companies that have a full spectrum of discounts, follow this link.

Informed consumers save on insurance

An important part of buying insurance is that you know the rating factors that come into play when calculating the level of your policy premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that could help you find lower insurance coverage prices. Many factors are taken into consideration when you quote your car insurance policy. Most are fairly basic like your driving record, but some are less obvious like where you live or how safe your car is.

  • Pay more by driving carelessly – Whether or not you get tickets can have a huge impact on auto insurance premiums. Even a single chargable violation can increase rates by as much as thirty percent. Careful drivers tend to pay less for car insurance than bad drivers. Drivers unfortunate enough to have license-revoking citations such as hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state’s department of motor vehicles in order to continue driving.
  • Liability claims can be big – A critical coverage on your policy, liability insurance is the protection when you are found liable for personal injury or accident damage. Liability insurance provides you with a defense in court to defend your case. This coverage is relatively inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • High credit rating translates to low costs – Having a bad credit rating will be a significant factor in determining what you pay for insurance coverage. If your credit can be improved, you could pay less to insure your 1998 Ford E-250 by improving your rating. People that have very high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Raising coverage deductibles lowers rates – Insurance for physical damage to your car, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some instances where coverage would apply are a windshield shattered by a rock, flood damage, or theft. Physical damage deductibles state the amount of money you are required to spend in the event of a claim. The more you pay before a claim is paid (deductible), the lower your rates will be on E-250 insurance.
  • Getting married can save you money – Having a significant other may cut your premiums on insurance coverage. Marriage means you’re more mature and statistics show married couples file fewer claims.
  • Insurance coverage rates and your employer – Occupations such as military generals, architects and medical professionals tend to pay higher premiums than the average policyholder in part from intense work requirements and lengthy work days. On the other hand, jobs like actors, students and the unemployed receive lower rates on E-250 insurance.

Your situation helps dictate your coverage

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether your personal situation might need professional guidance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I find cheaper teen driver insurance?
  • When would I need rental car insurance?
  • What exactly is covered by my policy?
  • Do I have newly-aquired coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form.

Auto insurance coverages

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage

Collision coverage pays for damage to your E-250 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, scraping a guard rail, backing into a parked car, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like nursing services, ambulance fees and pain medications. They are 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 and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as structural damage, loss of income, repair costs for stationary objects, funeral expenses and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive auto coverage

This covers 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 such as falling objects, a tree branch falling on your vehicle, vandalism and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

In conclusion

People switch companies for a variety of reasons including unfair underwriting practices, extreme rates for teen drivers, lack of trust in their agent or even poor customer service. It doesn’t matter what your reason, switching insurance companies is less work than it seems.

When you buy insurance online, do not skimp on coverage in order to save money. Too many times, someone sacrificed collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage at the best possible price but still have enough coverage for asset protection.

We covered some good ideas how to reduce 1998 Ford E-250 insurance premium rates online. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers may even find the lowest premium rates are with a small local company.

Additional insurance information can be found at the links below