Save on 1992 Ford E-350 Insurance Rates

Searching for better insurance coverage rates for your Ford E-350? Locating better insurance prices for a new or used Ford E-350 can normally be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to buy insurance coverage so you’re going to learn the proper way to get price quotes on a Ford and locate the lowest price.

Where can I get cheap auto insurance?

Getting a cheaper price on 1992 Ford E-350 insurance is a fairly straight forward process. Consumers just need to spend a few minutes on the computer comparing rates from different insurance companies. Shoppers can get rates in just a few minutes using one of these methods.

  • The fastest and easiest way to get quotes would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating separate forms for every company. A single form gets you price quotes from auto insurance companies with the best prices. It’s definitely the quickest method.
  • A different way to shop for auto insurance online consists of visiting each individual company website and fill out their own quote form. For examples sake, we’ll pretend you are doing a rate comparison from Liberty Mutual, Safeco and Farmers. To find out each rate you need to go to each individual site and type in your information over and over, which can get rather old.

    To view a list of companies in your area, click here.

Take whichever approach you prefer, but be sure you’re using the same coverages and limits for every company. If you have different deductibles you can’t possibly determine the best price for your Ford E-350.

Do I need special coverages?

When it comes to buying the best insurance coverage coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.

These are some specific questions might help in determining if you might need professional guidance.

  • When should I remove comp and collision on my 1992 Ford E-350?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need replacement cost coverage on my 1992 Ford E-350?
  • What is high-risk coverage and where do I buy it?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your 1992 Ford E-350.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like funeral expenses, loss of income, bail bonds, structural damage and emergency aid. How much coverage you buy is your choice, but consider buying as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as dental work, nursing services, rehabilitation expenses and prosthetic devices. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage

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

Collision insurance covers claims such as colliding with a tree, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, falling objects and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Comments About 1992 Ford E-350 Insurance

  1. Despina Ramsey

    Good detail in your article. Got a quote with AIG Insurance for my 1992 Ford E-350 and am saving around $90 a year. I even had a DUI years ago. Just waiting to see how claims go. Liability only on my Ford.

  2. Jamel Winters

    All companies are crooks. Lifelong resident of Rochester, NY. Quoted with AIG Insurance, Mercury, and Travelers for my Ford and saved $63 a year. BTW speeding tickets are not good. They have free quotes online.

  3. Aracelis Bradshaw

    Is 21st Century cheaper than AAA in Rio Rancho, New Mexico?

  4. Dovie Jones

    I live just outside Salem, OR. I got free rates from GEICO, Amica, Encompass, and GMAC for my 1992 Ford E-350 and I think I saved about $30 each month. Left Mercury to switch. Not sure if rates are cheaper online or through an agent.

  5. Mahalia Gates

    From a town just southwest of Bridgeport, Connecticut. Got prices from MetLife, Farmers, State Farm, and Amica for my 1992 Ford E-350 and cut my rates about $80 a year.

  6. Lue Fisher

    I can’t pay high rates. From a town just southwest of Saint Paul, Minnesota. Quoted prices online for a 1992 Ford E-350. Ended up at about $100 savings annually. Went with Allstate. Insured with State Farm before. I dropped full coverage awhile back.

  7. Vance Watts

    I’m in the east part of Las Cruces, New Mexico. Got car insurance prices from AAA, MetLife, and a few others for my E-350 and I’m now saving $24 a month. Insured with Allstate before. Hopefully won’t need it.

  8. Pauletta Blair

    I’m in the suburbs of Rochester, NY. Compared rates from a lot of places. Saved darn near $20 a month. State Farm was the cheapest for me. It never hurts to quote around.

  9. Augustina Bowman

    Just a quick comment on my experience. Lifelong resident of Augusta, Georgia. I got free prices from American Family, MetLife, and USAA for my Ford and saved around $100 a year. My new agent seems to be really good. It’s only liability tho.

  10. Carita Mckenzie

    I’m in the south part of Jersey City, NJ. Quoted a bunch of companies. Saved roughly $20 a month. GEICO was the cheapest option for me. Switched homeowners coverage too. :) My E-350 doesn’t have full coverage.

  11. Danica Hensley

    I’m in Portland, OR, and State Farm rates were affordable. Wish I didn’t have to insure at all. Full coverage costs too much.

  12. Oma Santana

    Cheapest quote for my 1992 Ford E-350 was with Erie. Was with Farmers. Have an at-fault accident tho.

  13. Valeria Sparks

    Will Allstate be cheaper if I raise deductibles?

  14. Merle Waller

    I got a good deal I think. I live south of Jacksonville, FL. I compared lots of rates. Saved darn near $20 a month. GEICO was the most affordable for me. Insured with The General before. It was easy to get rates.

  15. Glen Chaney

    Here’s what I found out. I’m just east of Denver, CO. Quoted with USAA, Auto-Owners, Hanover, and Nationwide for my E-350 and I’m now saving $18 a month. You can get a rate quote online.

  16. Tori Willis

    I’ve insured with Progressive for a long time. Pretty cheap in Rutland, VT.

  17. Yuonne Keith

    Quoted with American Family for my Ford and am saving around $70 a year. God forbid I actually have a claim. I don’t have comp or collision coverage.

  18. Kathryne Shepherd

    I’m in Green Bay, WI. Received rates from GEICO, American Family, and some I forget for my Ford and saved just over $70 a year. Thankfully I have a good driving record. It was easy to get rates.

  19. Rosita Thornton

    I live in a small town just outside of Columbia, SC. Received quotes from Amica, Safeco, and USAA for my E-350 and I think I cut my rates about $20 each month. Even increased coverage a bit. You can get a rate quote online. I think I’ll get rid of full coverage next time.