Save on 1994 Ford E-350 Car Insurance Quotes

Finding the cheapest insurance for a new or used Ford E-350 can turn out to be difficult, but you can use the following methods and make it easy.

There is a better way to buy auto insurance and we’ll show you the quickest way to price shop coverage on a Ford and locate the lowest price from local insurance agents and online providers.

More affordable rates with discounts

The price of auto insurance can be rather high, but you may be missing some discounts that you may not know about. Some discounts apply automatically at the time of purchase, but a few must be specially asked for before you get the savings.

• Employee of Federal Government – Federal government employees may qualify for a discount when you quote insurance on E-350 insurance with select insurance companies.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
• Cautious Driver Discount – Drivers without accidents could pay up to 40% less on E-350 insurance compared to rates paid by drivers with frequent claims.
• Theft Deterent System – Cars optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
• Low Mileage Discounts – Fewer annual miles on your Ford could be rewarded with better prices on cars that stay parked.
• Bundled Policy Discount – If you have multiple policies with the same company you could save up to 20% off your total premium.
• Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.

One last thing about discounts, most credits do not apply the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck. But all discounts should definitely cut the cost of coverage.

Insurance companies that may offer policyholders some of the discounts shown above include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

It’s a good idea to ask each insurance company how you can save money. A few discounts might not apply everywhere.

What is the best auto insurance coverage?

When buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions may help you determine if your situation will benefit from professional help.

• Is my camper covered by my car insurance policy?
• Should I carry comprehensive and collision coverage?
• Does coverage extend to a rental car in a foreign country?
• Is my teen driver covered when they drive my company car?
• Will filing a claim cost me more?
• Is a new car covered when I drive it off the dealer lot?
• What is covered by UM/UIM coverage?
• Are rental cars covered under my policy?
• Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Car insurance coverage information

Having a good grasp of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision – This pays for damage to your E-350 from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for ambulance fees, nursing services and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, fire damage, a tree branch falling on your vehicle, damage from flooding and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage – This can cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like medical services, repair costs for stationary objects and structural damage. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford E-350.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Shop around and save

Affordable 1994 Ford E-350 insurance can be found both online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get quotes online and usually these smaller providers work with independent agents.

We just presented many ideas to get a better price on 1994 Ford E-350 insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a lesser-known regional company.

Consumers switch companies for a variety of reasons including being labeled a high risk driver, delays in responding to claim requests, policy non-renewal or high rates after DUI convictions. Whatever your reason, finding the right car insurance provider is actually quite simple.

More information is available below:

• Airbag FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)
• Auto Insurance Basics (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)