1994 Ford E-150 Insurance Rates – 7 Tips for Cheapest Quotes

Looking for better insurance coverage rates for your Ford E-150? Overpriced Ford E-150 insurance can draw down your bank account and possibly require postponing other expenditures. People have many insurers to pick from, and though it is a good thing to have a selection, it can be more challenging to compare rates and cut insurance costs.

You should make it a habit to quote other rates once or twice a year since insurance prices are usually higher with each renewal. If you had the lowest quotes on E-150 coverage a year ago you can probably find a better rate now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn how to use online quotes to save on insurance coverage.

The purpose of this article is to help educate you on the most effective way to quote insurance and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Vehicle owners just need to learn the tricks to shop for auto insurance over the internet.

How to get free auto insurance quotes online

There are a lot of ways to compare auto insurance quotes, but one way is more efficient than others. You could waste time talking about coverages with insurance agencies in your area, or you could save time and use online quoting to get prices fast.

All the larger companies enroll in a system that enables customers to complete one form, and at least one company can provide price quotes. This system prevents you from having to do quote forms for each company you want a rate for.

To access this free quoting program, click here to open in new window.

The only downside to comparing rates this way is you are unable to specify which companies to get pricing from. So if you want to choose specific providers to compare prices, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just be sure you’re using apples-to-apples coverage information with each company. If your comparisons have different values for each quote you will not be able to make a fair rate comparison.

Car insurance policy discounts you can’t miss

Some companies don’t list every discount very well, so the list below contains a few of the more well known and also the lesser-known ways to save on car insurance.

• Distant Student Discount – Youth drivers who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
• One Accident Forgiven – This isn’t a discount exactly, but some companies like State Farm and Allstate allow you one accident before raising your premiums so long as you haven’t had any claims before the accident.
• Seat Belt Discounts – Requiring all passengers to use their safety belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Senior Citizen Rates – If you qualify as a senior citizen, you could receive a small decrease in premiums on E-150 coverage.
• Telematics Data – Drivers who elect to allow companies to scrutinize driving habits by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they exhibit good driving behavior.
• Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you can avoid monthly service charges.
• Multi-policy Discount – When you combine your auto and home insurance and insure them both with the same insurance company you could save over 10 percent off each policy depending on the company.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. Even though the math looks like you could get a free car insurance policy, you aren’t that lucky. But any discount will definitely reduce your premiums.

The best car insurance companies and a selection of discounts are:

• Progressive discounts include online quote discount, good student, multi-policy, multi-vehicle, continuous coverage, and homeowner.
• SAFECO may offer discounts for anti-theft, multi-car, accident prevention training, drive less, safe driver, anti-lock brakes, and homeowner.
• American Family has savings for mySafetyValet, TimeAway discount, good driver, defensive driver, and good student.
• MetLife policyholders can earn discounts including good driver, good student, defensive driver, claim-free, accident-free, multi-policy
• Geico offers discounts for good student, anti-lock brakes, emergency military deployment, defensive driver, anti-theft, daytime running lights, and membership and employees.
• The Hartford has discounts for good student, driver training, bundle, air bag, anti-theft, defensive driver, and vehicle fuel type.

When getting free car insurance quotes, it’s a good idea to every insurance company the best way to save money. Some discounts listed above may not be offered in every state. To view companies that offer the discounts shown above, click this link.

Insurance agents can help

When buying adequate coverage, there really is not a “perfect” insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether you may require specific advice.

• Do I really need UM/UIM coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Does coverage extend to Mexico or Canada?
• How high should my uninsured/underinsured coverage be in my state?
• Who is covered when they drive my 1994 Ford E-150?
• Is a blown tire covered by insurance?
• Why am I required to buy high-risk coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is extra glass coverage worth it?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Learn about car insurance coverages for a 1994 Ford E-150

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on most car insurance policies.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 1994 Ford E-150.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hail damage and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

This provides protection from damage that occurs to other people or property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like repair costs for stationary objects, funeral expenses, medical expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like prosthetic devices, surgery, chiropractic care and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This will pay to fix damage to your E-150 resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as rolling your car, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Be a penny pincher

Cost effective 1994 Ford E-150 insurance is attainable online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not offer internet price quotes and many times these regional insurance providers work with independent agents.

As you quote car insurance, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where an insured cut liability coverage limits and discovered at claim time that it was a big mistake. Your objective should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

More tips and info about insurance coverage is located in the articles below:

• Insurance Losses by Make and Model (iihs.org)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• State Laws for Cellphones and Texting (iihs.org)