1990 Ford E-350 Insurance Rates – 7 Policy Discounts

Trying to come up with a payment for high-priced car insurance can dry up your bank account and force you to make sacrifices. Doing a rate comparison is a fast and free way to lower your bills every month.

Insurance companies such as Progressive, GEICO and Farmers Insurance promote their brand names with advertising and consumers find it hard to separate fact from fiction and find the best price available.

It is always a good idea to do price comparisons periodically because prices go up and down regularly. Even if you got the best rate for E-350 insurance two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn how to quote online to lower your rates without sacrificing coverage.

Low cost auto insurance prices

All major auto insurance companies like Progressive, GEICO, Allstate and State Farm allow consumers to get coverage prices direct online. Getting quotes is easy for anyone because it’s just a matter of typing in the coverage amounts you desire into the quote form. When the form is submitted, their quoting system pulls credit information and your driving record and returns a price quote based on these factors. Being able to quote online makes it a lot easier to compare rates but the work required to visit several different sites and type in the same information is a big time waster. Unfortunately, it is important to do this if you want to find the best price on auto insurance.

Isn’t there an easier way to compare rates?

A better way to get multiple rate quotes uses one simple form to return rates from a bunch of companies at once. It’s a real time-saver, requires less work, and makes comparison shopping a little more enjoyable. Once the form is submitted, your coverage is rated with multiple companies and you can pick any of the quotes returned. If you find a better price you can simply submit the application and purchase the new policy. It takes less than 15 minutes and may save quite a bit of money.

If you want to find out what other companies charge, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you copy the coverages just like they are on your policy. This guarantees you will get rate comparison quotes based on the exact same insurance coverage.

Is there truth in advertising?

Consumers can’t get away from ads for cheaper insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to tend to make the same promise about how much you will save after switching your policy.

That’s great but how can every company charge you less for car insurance? It’s all in the words they use.

All companies have a certain “appetite” for the type of customer that earns them the most money. An example of a preferred risk might be a mature driver, has never had a policy lapse, and drives a safe vehicle. A propective insured that fits those parameters will get a cheap rate quote and will probably save when they switch companies.

People who may not quite match the ideal profile may be required to pay higher premium rates which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “customers that switch” not “everyone that quotes” save that much when switching. That is how companies can truthfully make claims like that. This really drives home the point why it is so important to get auto insurance quotes from several different companies. It’s just not possible to know with any certainty which company will have the lowest premium rates for your situation.

Don’t miss these seven discounts

Some insurance providers do not list all possible discounts in a way that’s easy to find, so the list below gives a summary of a few of the more common as well as some of the hidden credits available to lower your premiums when you buy auto insurance online.

  • More Vehicles More Savings – Insuring multiple cars on the same insurance coverage policy may reduce the rate for each vehicle.
  • Defensive Driver Discount – Successfully completing a driver safety class could save 5% or more and also improve your driving technique.
  • E-sign Discounts</strong – Some of the larger companies will give a small break for buying a policy and signing up on the internet.
  • Drivers Ed for Students – Have your child enroll and complete driver’s education if offered at their school.
  • New Car Discount – Insuring a new car can save you some money compared to insuring an older model.
  • Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
  • Early Renewal Discounts – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.

It’s important to understand that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will definitely reduce the premium cost.

To view insurers that can offer you the previously mentioned discounts, click here to view.

Special considerations

When it comes to buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different so this has to be addressed. For example, these questions could help you determine if your insurance needs might need professional guidance.

  • Does having multiple vehicles earn me a discount?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Where can I find DUI or SR-22 insurance?
  • What is the minimum liability in my state?
  • Do I have coverage when making deliveries for my home business?
  • When can my company non-renew my policy?
  • Am I covered if I hit a deer?
  • Am I missing any policy discounts?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Coverages available on your auto insurance policy

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, damage from a tornado or hurricane, falling objects and vandalism. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Ford E-350.

Due to the fact that many 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 a good idea.

Coverage for liability – This can cover damage that occurs to other’s property or people. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as medical services, pain and suffering and emergency aid. How much coverage you buy is your choice, but consider buying as much as you can afford.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as EMT expenses, ambulance fees and surgery. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision – This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, backing into a parked car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

A little work can save a LOT of money

Some companies may not provide rate quotes online small, regional companies provide coverage only through local independent agents. Low-cost 1990 Ford E-350 insurance can be bought on the web and from local insurance agents, so compare prices from both to have the best rate selection.

In this article, we covered quite a bit of information on how to save on 1990 Ford E-350 insurance. The key thing to remember is the more you quote auto insurance, the better your comparison will be. Consumers may even find the lowest prices come from the least-expected company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

Additional information can be read below:

Comments About 1990 Ford E-350 Insurance

  1. Anne Bridges

    In Virginia Beach, VA, Progressive is a good choice. Was with Hanover. I’m thinking about dropping full coverage though.

  2. Nikita Mcclure

    State Farm was cheapest for my 1990 Ford E-350 in Minneapolis, MN.

  3. Tyra Roberts

    Thanks for putting this site together. I live east of Juneau, Alaska. Quoted with Allstate, GMAC, and Farmers for my 1990 Ford E-350 and I think I saved around $20 each month. I have several vehicles insured with them.

  4. Gertude Battle

    From Philadelphia, PA. Received quotes with Allstate, American Family, and Eastwood for my Ford and saved just over $60 a year. Good multi-policy discounts. Not sure if rates are cheaper online or through an agent. It’s only liability tho.

  5. Gabrielle Simon

    If you’re around Portland, OR try Allstate and GEICO and see which is cheaper.

  6. Rita Houston

    Not sure what I should be paying. I live in Chesapeake, VA. Got quotes with MetLife, Esurance, State Farm, and Amica for my 1990 Ford E-350 and saved $117 a year. Insured with Progressive before.

  7. Lizabeth Robbins

    Anyone buy from Amica? I’m in Knoxville, TN.

  8. Tyrone Norman

    Any companies in Louisville, KY that will insure a DUI?

  9. Trenton Gordon

    I live east of Fairbanks, AK. Quoted prices from Hartford, AIG Insurance, Mercury, and a couple others for my E-350 and saved just over $100 a year. I increased coverages a little too.

  10. Maggie Pearson

    Does Progressive use ACV or replacement cost?

  11. Noelle Kirkland

    FYI in Portland, OR try State Farm. I got a good deal.