Cheap 1995 Ford E-150 Insurance Cost

Are you kicking yourself for buying overpriced insurance coverage? Trust us when we tell you you are not the only one feeling buyer’s remorse. Because there are so many choices, it can be diffult for drivers to pick a more affordable insurance coverage company.

It’s smart to do price comparisons at least once a year since prices are variable and change quite frequently. If you had the best quotes for E-150 insurance a couple years back other companies may now be cheaper. Block out anything you think you know about insurance coverage because you’re going to learn one of the quickest ways to find better rates and still maintain coverage.

This information will help educate you on the best way to quote coverages. If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. Consumers only need to know the most efficient way to shop for auto insurance on the web.

Auto insurance discounts help reduce rates

Auto insurance is easily one of your largest bills, but you can get discounts that you may not know about. Many discounts should be triggered at the time you complete a quote, but a few must be requested specifically prior to getting the savings. If you do not double check each discount available, you are paying more than you should be.

  • Low Mileage Discounts – Maintaining low annual mileage could qualify for lower auto insurancerates due to less chance of an accident.
  • Multiple Vehicles – Drivers who insure all your vehicles on one policy may reduce the rate for each vehicle.
  • Auto/Life Discount – Not all companies offer life insurance, but some may give you lower rates if you buy auto and life insurance together.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. The discount lasts up to age 25.
  • Early Signing – A few auto insurance companies offer discounts for buying a policy prior to your current policy expiring. You can save around 10% with this discount.
  • Pay Now and Pay Less – By paying your entire bill at once instead of paying each month you could save 5% or more.
  • Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Driving Data Discount – Drivers that enable companies to look at driving patterns by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts if they exhibit good driving behavior.
  • Accident Forgiveness – This one is not really a discount per se, but certain companies permit an accident before they charge you more for coverage with the catch being you have to be claim-free for a particular time prior to the accident.

One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, that’s just not realistic. But any discount will cut the amount you pay for coverage.

Popular auto insurance companies and some of the premium reductions they offer are included below.

  • State Farm offers discounts including Drive Safe & Save, student away at school, multiple policy, passive restraint, accident-free, and driver’s education.
  • Farmers Insurance includes discounts for bundle discounts, homeowner, good student, mature driver, and switch companies.
  • GEICO discounts include federal employee, anti-theft, seat belt use, multi-policy, military active duty, air bags, and emergency military deployment.
  • American Family may have discounts that include early bird, good driver, good student, accident-free, and defensive driver.
  • Nationwide may include discounts for anti-theft, business or organization, good student, multi-policy, Farm Bureau membership, and easy pay.
  • Progressive has savings for multi-vehicle, continuous coverage, multi-policy, good student, homeowner, online signing, and online quote discount.

When getting free auto insurance quotes, it’s a good idea to all the companies to give you their best rates. All car insurance discounts might not be offered on policies in your area.

Compare auto insurance quotes online

Many insurance companies allow you to get insurance quotes on the web. Obtaining pricing doesn’t take a lot of time because you just enter the coverage amounts you desire into a form. After the form is submitted, the quote system automatically retrieves your credit score and driving record and quotes a price based on these factors. This makes it easy to compare insurance prices but the work required to visit different websites and type in your information can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible in order to get better auto insurance pricing.

The easiest way to compare rates is to use a quote form that analyzes rates from many companies. It’s a real time-saver, requires less work, and makes price shopping online much simpler. After sending your information, it is rated and you can select any one of the quotes returned.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process can be completed in a matter of minutes and can result in significant savings.

To get comparison pricing now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you duplicate your coverages as shown on your current policy. This ensures you’re receiving a price comparison for exact coverage.

Why smart consumers pay less for Ford E-150 insurance

Part of the insurance buying process is learning the different types of things that are used to determine the rates you pay for insurance. When you understand what influences your rates, this empowers consumers to make smart changes that can help you get better insurance rates.

  • Excellent credit scores equal low costs – Having a good credit score is a big factor in determining what you pay. Drivers who have very good credit scores tend to be more responsible as compared to drivers with lower credit scores. So if your credit can be improved, you could potentially save money when insuring your 1995 Ford E-150 by spending a little time repairing your credit.
  • Discounts for auto and home policies – Most insurance companies provide a discount to customers who consolidate policies with them in the form of a multi-policy discount. The amount of the discounts can be ten percent or more. If you currently are using one company, you still need to compare other company rates to make sure you are getting the best deal. Consumers may save even more than the discount by buying insurance from more than one company.
  • Better drivers pay better premiums – Being a careful driver influences premium rates substantially. Attentive drivers tend to pay less for car insurance than bad drivers. Even a single ticket may increase your cost to the point where it’s not affordable. People who have dangerous citations like reckless driving, hit and run or driving under the influence may be required to complete a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
  • Discounts for theft deterrents – Buying a car that has a built-in theft deterrent system can save you some money. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft and help lower rates.
  • Do safer cars cost less to insure? – Vehicles with good safety scores tend to be cheaper to insure. Safer cars reduce the chance of injuries and any reduction in injury severity means lower claim amounts which can result in lower premiums. If your Ford E-150 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Which is the best car insurance?

When it comes to buying coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help highlight whether or not you will benefit from professional help.

  • Am I covered by my spouse’s policy after a separation?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need replacement cost coverage?
  • When should my teen driver be added to my policy?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

The coverage is in the details

Having a good grasp of your car insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on the average car insurance policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses like surgery, chiropractic care and pain medications. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection 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 your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, a broken windshield and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

This coverage can cover damage that occurs to other people or property. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like court costs, structural damage and loss of income. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, hitting a mailbox, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Never pay more for less

You just read a lot of information how to shop for 1995 Ford E-150 insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest premium rates are with the least-expected company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.

Budget-friendly insurance coverage is available on the web and from local insurance agents, so get free auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies may not provide price quotes online and most of the time these regional insurance providers provide coverage only through local independent agencies.

More detailed insurance coverage information can be read in the articles below:

Comments About 1995 Ford E-150 Insurance

  1. Dottie Barry

    I found pretty cheap rate quotes for a 1995 Ford E-150 in Baltimore, Maryland. Ended up at darn near $120 every six months with Amica. I get a discount for insuring multiple vehicles. Just go online and compare their rates. I dropped full coverage awhile back.

  2. Debby Mccoy

    I live on the south side of Madison, WI. Checked online prices for a 1995 Ford E-150. Ended up at about $120 savings annually. Went with Progressive. Good savings if you bundle. I got prices on the web.

  3. Omar English

    Not sure if this is cheap. I live just outside Paterson, New Jersey. Quoted with State Farm, Esurance, and Hartford for my Ford and saved just over $80 a year. It was easy to get rates.

  4. Dimple Hancock

    I compared a lot of rate quotes for a 1995 Ford E-150 in Mesa, Arizona. Ended up at darn near $120 every six months with AIG Insurance. I have a teen driver too. :) I dropped full coverage awhile back.

  5. Roxie Castro

    From west side of Aurora, CO. I don’t recall every quote but I ended up saving about $30 each month. I get a discount for insuring multiple vehicles. :P I don’t insure for physical damage though.

  6. Kelsie Johnson

    Lots of good stuff here. Found cheapest coverage with AAA for my E-150 and am saving around $80 a year. I get multi-vehicle and multi-policy discounts. I just quoted rates online.

  7. Pedro Albert

    I’m looking for cheaper coverage. I live on the north side of Warwick, RI. Not sure of all the companies but I ended up saving about $20 each month. Left Mercury to switch. When should I drop full coverage?

  8. Tora Berry

    In Jersey City, NJ, Progressive auto insurance rates for my 1995 Ford E-150 were good. I get multi-vehicle and multi-policy discounts. Book value doesn’t justify full coverage anymore.

  9. Palmer Lara

    For me, GEICO was by far the cheapest in Lexington, KY.

  10. Mignon Gutierrez

    I’m just north of Colorado Springs, CO. Got quotes with 21st Century, AIG Insurance, and Erie for my E-150 and I’m now saving $20 a month. Good multi-policy discounts.