Cheap 1998 Ford E-350 Insurance Quotes

Want the cheapest auto insurance rates for your Ford E-350? Are you tired of trying to scrape together enough money to pay your auto insurance bill each month? You’re in the same situation as most other consumers.

Due to the fact that there are so many insurance companies to choose from, it is hard for the average consumer to choose a lower cost auto insurance provider.

The purpose of this post is to instruct you on how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you will be able to save some money using these tips. Although drivers need to have an understanding of the way companies sell online and take advantage of how the system works.

Verify you’re receiving every discount

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so the list below details both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online.

  • Use Seat Belts – Drivers who require all occupants to buckle up before driving can save up to 15% off the personal injury premium cost.
  • Low Mileage Discounts – Keeping the miles down on your Ford can earn discounted rates on garaged vehicles.
  • Early Signing – Some larger companies provide a discount for buying a new policy before your current expiration date. You can save around 10% with this discount.
  • Multi-Vehicle Discounts – Having more than one vehicle on one policy can get a discount on all vehicles.
  • Driver Safety – Taking time to complete a defensive driving course could cut 5% off your bill and also improve your driving technique.
  • Waiver for an Accident – This one is not really a discount per se, but companies like Geico and Liberty Mutual will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims before the accident.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may get savings of 25 to 30%.
  • Discounts for Cautious Drivers – Drivers without accidents could pay up to 40% less for E-350 insurance than their less cautious counterparts.
  • Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance coverage quote.
  • 55 and Retired – Drivers that qualify as senior citizens may be able to get a slight reduction on a insurance coverage quote for E-350 insurance.

We need to note that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free insurance policy, it’s just not the way it works.

To locate providers who offer online insurance quotes, click here.

How to find cheap insurance coverage

To find cheaper rates, there are a couple of ways to obtain and compare prices from insurance coverage companies in your area. By far the easiest way to compare 1998 Ford E-350 insurance prices consists of obtaining rate quotes online. This is quite simple and can be completed in a couple of different ways.

  1. One of the simplest ways consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This method saves time by eliminating multiple quote forms for every company. One form submission gets insurance cost estimates from many national carriers.
  2. A more time consuming way to compare prices is to manually visit each company website and go through the quote process again. For sake of this example, we’ll assume you want comparison quotes from Nationwide, Farmers and GMAC. In order to get each rate, you would have to spend time on each company’s site to enter the same coverage data repeatedly, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The final method of comparing rate quotes to each insurance agency near you. The internet makes this unnecessary unless you have a complicated situation and need the advice and guidance that only a licensed agent can provide. You can, however, price shop your coverage online but have a local agent actually write the policy.

Take whichever approach you prefer, but ensure you are comparing identical coverage data on every quote you get. If you are comparing mixed coverages it will be next to impossible to get a fair rate comparison. Quoting even small variations in coverages can make a big difference in price. It’s important to know that comparing all the rates in your area will increase your chances of finding the best rates.

When should I discuss my situation with an agent?

When it comes to choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • Am I covered when delivering products for my home-based business?
  • What if I don’t agree with a claim settlement offer?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are my friends covered when driving my car?
  • When would I need rental car insurance?
  • Am I covered if I wreck a rental car?
  • What if I total my 1998 Ford E-350 and owe more than it’s worth?
  • Why am I required to get a high-risk car insurance policy?
  • Is a new car covered when I drive it off the dealer lot?
  • What is roadside assistance coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverage information

Knowing the specifics of your insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like surgery, chiropractic care, nursing services, prosthetic devices and funeral costs. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Liability car insurance – This will cover damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, falling objects, hitting a bird, hail damage and damage from flooding. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – This will pay to fix damage to your E-350 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your 1998 Ford E-350.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Don’t be a big spender

You just learned some good ideas how to save on 1998 Ford E-350 insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding cheaper insurance coverage. Consumers may even find the lowest prices come from some of the lesser-known companies. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

When shopping online for auto insurance, make sure you don’t buy poor coverage just to save money. In many cases, an insured cut physical damage coverage and learned later they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at the best cost, but don’t skip important coverages to save money.

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