How Much Does 1994 Ford E-250 Insurance Cost?

Trying to find cheaper insurance for a Ford E-250 can normally be difficult, but you can learn the following methods to make it easier. There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to quote coverages on a Ford and get the lowest price from both online companies and local agents.

If you have a policy now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Buying the lowest cost insurance coverage coverage is quite easy. Vehicle owners just need to understand the tricks to compare rates online.

How to get affordable auto insurance

Finding low cost 1994 Ford E-250 auto insurance quotes is actually quite simple. Drivers just need to take time to compare rate quotes from some recommended companies. Insurance prices can be quoted by following the guidelines below.

  1. The simplest way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do separate quote forms for every company. Completing one form will get you price quotes from multiple low-cost companies.It’s the quickest way to get rates.
  2. A less efficient way to find better pricing is to manually visit the website for every company you want to comare and get a separate price quote. For example, we’ll pretend you want to compare rates from Auto-Owners, State Farm and GMAC. To get each rate you have to go to each individual site and repeatedly enter your information, which is why the first method is quicker.

    For a list of companies in your area, click here.

Which method you use is up to you, but make darn sure you compare nearly identical quote information for each quote you get. If you compare different data it will be next to impossible to make a fair comparison for your Ford E-250.

Lower rate quotes by applying discounts

Some insurance providers don’t always advertise every disount available very clearly, so we researched a few of the more well known in addition to some of the lesser obvious discounts that may be available. If you check and find you aren’t receiving every discount available, you could be saving more on your auto insurance.

  • Discounts for Multiple Vehicles – Drivers who insure multiple vehicles on one policy can get a discount on all vehicles.
  • Clubs and Organizations – Having an affiliation with a professional or civic organization can get you a small discount on auto insurance.
  • Home Ownership Discount – Just being a homeowner can save you money because maintaining a house is proof of financial responsibility.
  • Online Discount – Certain companies will give you a small discount simply for signing on their website.
  • ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and the ABS can save up to 10%.

A quick disclaimer, most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

Popular auto insurance companies and some of the discounts include:

  • 21st Century policyholders can earn discounts including early bird, teen driver, anti-lock brakes, automatic seat belts, and driver training.
  • Progressive discounts include online signing, good student, multi-vehicle, online quote discount, homeowner, continuous coverage, and multi-policy.
  • State Farm includes discounts for Steer Clear safe driver discount, driver’s education, accident-free, passive restraint, safe vehicle, and Drive Safe & Save.
  • Nationwide offers premium reductions for easy pay, anti-theft, defensive driving, good student, business or organization, and Farm Bureau membership.
  • Esurance has savings for online quote, renters, DriveSense, anti-lock brakes, anti-theft, multi-car, and paid-in-full.
  • The Hartford offers discounts for air bag, vehicle fuel type, bundle, defensive driver, and driver training.

Double check with every company to apply every possible discount. A few discounts might not be available to policyholders in your area. If you would like to view insurance companies offering auto insurance discounts, click here to view.

Your auto insurance coverage should be tailored to you

When buying adequate coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

  • Is a fancy paint job covered?
  • What if I total my 1994 Ford E-250 and owe more than it’s worth?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need more liability coverage?
  • Does my 1994 Ford E-250 qualify for pleasure use?
  • Is my teenager covered with friends in the car?
  • Is my camper covered by my car insurance policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I have coverage when using my vehicle for my home business?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Car insurance coverage information

Having a good grasp of your auto insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for bills for nursing services, doctor visits, chiropractic care and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision – Collision insurance covers damage to your E-250 from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1994 Ford E-250.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability insurance – Liability insurance can cover damage or injury you incur to people or other property. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as court costs, repair bills for other people’s vehicles, loss of income, funeral expenses and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, theft, a broken windshield, rock chips in glass and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Comments About 1994 Ford E-250 Insurance

  1. Dorethea Foreman

    Corporate greed I’m telling you. Live in the western part of New Orleans, LA. Quoted a bunch of companies. Saved darn near $20 a month. GEICO was the most affordable for me.

  2. Kandy Diaz

    If you’re a decent driver and live in the vicinity of Memphis, Tennessee, check out 21st Century. They seem to be cheaper. Was with Allstate. I have a teen driver too. Just liability coverage since it’s getting old.

  3. Ezekiel Hubbard

    Cheaper car insurance is a myth. Got a quote with Esurance for my Ford and saved about $60 a year. BTW speeding tickets are not good.

  4. Orval Cochran

    Great site. Went with AAA for my 1994 Ford E-250 and saved about $70 a year. I got a quote from their website.

  5. Ervin Gonzales

    Compared rates with State Farm and AIG Insurance but still pricey.

  6. Corrina Kim

    Will State Farm raise rates for a windshield claim?

  7. Malena Greene

    I got quite a few price quotes for a 1994 Ford E-250 in Nampa, ID. Ended up at right around $120 every six months with AAA. Insured with Encompass before. Even increased coverage a bit. I used their online quote form to compare rates.