1991 Ford E-150 Insurance Rates – 9 Ideas for Best Quotes
Trying to find the cheapest insurance for a new or used Ford E-150 can be a lot of work, but you can learn these tips to find lower rates.
There are more efficient ways to find insurance coverage online and you need to know the quickest way to price shop coverage for a Ford and locate the cheapest rates from both online companies and local agents.
How to get free auto insurance quotes online
Many insurance companies provide pricing direct online. Getting online quotes can be done by anyone because it’s just a matter of typing in the coverage amounts you desire into the form. When the form is submitted, their system collects your driving and credit reports and quotes a price based on these factors.
This helps simplify price comparisons, but the process of having to visit several different sites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to get many rate quotes in order to find the best price on auto insurance.
Rate comparisons made easy
The smarter way to find better auto insurance pricing uses one form that analyzes rates from multiple companies. This type of form saves time, requires less work, and makes online price comparison much easier to do. Once the form is submitted, it is quoted and you can select any or none of the quotes returned.
If you find a better price you can click and sign and buy the new coverage. This process just takes a couple of minutes and you will know how your current rates stack up.
To save time and find out how much you can save on auto insurance, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you type in coverages and limits identical to your current policy. This ensures you will be getting a rate comparison for similar insurance coverage.
Tailor your insurance coverage to you
When buying coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.
For example, these questions may help highlight whether your personal situation will benefit from professional help.
- Am I covered when pulling a rental trailer?
- Do I need higher collision deductibles?
- Are split liability limits better than a combined single limit?
- Am I covered if I crash into my own garage door?
- Do I benefit by insuring my home with the same company?
- Does my personal policy cover me when driving out-of-state?
- What can I do if my company won’t pay a claim?
- Do I pay less for low miles?
- Am I getting all the discounts available?
- Will my vehicle be repaired with OEM or aftermarket parts?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.
Coverages available on your insurance policy
Understanding the coverages of insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for ambulance fees, chiropractic care and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Auto liability
Liability coverage protects you from injuries or damage you cause to other’s property or people in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for things such as emergency aid, court costs, medical services, loss of income and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.
Collision insurance
Collision coverage pays for damage to your E-150 caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like hitting a parking meter, sideswiping another vehicle, scraping a guard rail, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Comprehensive or Other Than Collision
This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like hail damage, a broken windshield and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
UM/UIM Coverage
This protects you and your vehicle when the “other guys” 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 Ford E-150.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.
Caprice Nicholson
Hope my car insurance gets cheaper. I live on the north side of Cranston, RI. I compared lots of rates. Saved right around $30 a month. 21st Century was the cheapest option for me. Left Amica to switch.
Ileen Mcintosh
Just a quick comment on my experience. From Concord, New Hampshire. Got car insurance prices from State Farm, Eastwood, and GMAC for my 1991 Ford E-150 and I think I saved around $20 each month.
Everett Pugh
Checking in from Portland, Oregon. Quoted prices from GEICO, GMAC, and Farmers for my 1991 Ford E-150 and am saving around $90 a year. I used their website to get prices.
Lang Terry
I can’t pay high rates. Got a quote with Hanover for my 1991 Ford E-150 and saved around $80 a year. Have a couple speeding tickets too. I got prices on the web. I don’t put full coverage on it.
Darcel Frye
Mine is so expensive. I’m in the north part of Pittsburgh, PA. I got free prices from Travelers, AAA, The General, and MetLife for my E-150 and I’m now saving $19 a month. I get multi-vehicle and multi-policy discounts. It’s easy to compare rates online now. Anyone else drop full coverage?
Della Morrow
Good detail in your article. Located in Fayetteville, AR. Got car insurance quotes from Progressive, Auto-Owners, Encompass, and Liberty Mutual for my Ford and saved just over $60 a year. Left Travelers to switch.
Rochel Snider
Any claims experience with Progressive in Birmingham, AL?
Fallon Goodman
Lifelong resident of San Antonio, TX. Don’t remember every company but I ended up saving about $30 each month.
Indira Murphy
I’m looking for cheaper coverage. I’m in the east part of Grand Forks, ND. Got quotes from MetLife, Erie, Progressive, and American Family for my Ford and am saving around $100 a year. Book value doesn’t justify full coverage anymore.
Leah Joyner
I compared a lot of rate quotes for a 1991 Ford E-150 in Salem, Oregon. Ended up at about $90 every six months with Amica. Insured with Travelers before.
Denny Battle
If you’re a decent driver and live near New York City, NY, check out State Farm. I saved quite a bit. Ask about discounts. Online quotes are the way to go.
Sarita Pearson
From west side of West Valley City, UT. I quoted with GEICO, American Family, and some I forget for my 1991 Ford E-150 and saved $61 a year. Was with GMAC. I’m a pretty good driver though. God forbid I actually have a claim. When should I drop full coverage?
Eartha Colon
I found pretty cheap rate quotes for a 1991 Ford E-150 in Hartford, CT. Ended up at about $80 every six months with AAA. Insured with GMAC before. Not sure about claim service. I don’t insure for physical damage though.
Nettie Nolan
I got quite a few price quotes for a 1991 Ford E-150 in Atlanta, GA. Ended up at right around $70 every six months with AIG Insurance. Left GMAC to switch. Switched homeowners coverage too. Not sure about claim service.
Joe Sanford
If you’re a decent driver and live near Concord, New Hampshire, check out GEICO. You might get cheaper rates. It’s only liability tho.
Min Stark
I live just to the north of Indianapolis, Indiana. Don’t remember every company but I ended up saving about $20 each month. It’s still not cheap enough. I don’t insure for physical damage though.
Don Russo
I’m in the suburbs of Philadelphia, PA. I don’t recall every quote but I ended up saving about $20 each month. I have kids on my policy, too. I only have liability coverage on it.
Antonia Ballard
Will State Farm rates go up if I file a claim?
Suzy Chen
Are Progressive rates cheap in Maryland?
Alfonso Hardin
If you have a clean record and live around Salem, OR, check out 21st Century. I saved quite a bit. Have an at-fault accident tho. I only have liability coverage on it.
In Sandoval
Does Allstate offer good discounts?