1996 Ford E-250 Car Insurance Quotes – 7 Tips for Best Rates

Finding cheaper insurance for a Ford E-250 could be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to buy insurance and we’ll show you the quickest way to quote coverages for a new or used Ford and get the best price possible either online or from local insurance agents.

It is always a good idea to compare prices yearly since insurance rates change regularly. Just because you found the best deal for E-250 insurance a few years ago there is a good chance you can find better prices now. Block out anything you think you know about insurance because you’re about to learn how to use online quotes to reduce your cost while improving coverage.

Find hidden discounts to get affordable insurance coverage rates

Insurance can be prohibitively expensive, but there could be available discounts that could drop your premiums quite a bit. Most are applied at quote time, but some discounts are required to be specially asked for before being credited. If they aren’t giving you every credit you deserve, you could be getting lower rates.

  • Anti-lock Brake System – Cars equipped with ABS or steering control can stop better under adverse conditions and earn discounts up to 10%.
  • Military Discounts – Being on active duty in the military could trigger a small discount.
  • Telematics Devices – Policyholders that allow companies to look at when and where they use their vehicle by using a telematics device such as State Farm’s In-Drive might get better premium rates if they have good driving habits.
  • Discount for Low Mileage – Low mileage vehicles can qualify you for substantially lower insurance coveragerates.
  • Student Driver Training – Require your teen driver to sucessfully take a drivers education course in high school.
  • Paperwork-free – A few larger online companies will give a small break for buying your policy over the internet.
  • Membership in Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for insurance coverage.

Don’t be shocked that most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount should help reduce the cost of coverage.

Popular insurance coverage companies and their possible discounts are shown below.

  • GEICO may include discounts for driver training, emergency military deployment, multi-vehicle, military active duty, five-year accident-free, and multi-policy.
  • Travelers offers discounts including new car, multi-policy, home ownership, good student, multi-car, and save driver.
  • Farm Bureau offers premium reductions for renewal discount, multi-vehicle, multi-policy, youthful driver, and driver training.
  • Liberty Mutual offers discounts for new graduate, multi-policy, hybrid vehicle, exclusive group savings, and new move discount.
  • American Family has discounts for mySafetyValet, good student, TimeAway discount, accident-free, and bundled insurance.
  • Progressive may have discounts that include good student, homeowner, online signing, multi-policy, continuous coverage, and online quote discount.

When getting a coverage quote, ask every company which discounts can lower your rates. Depending on the company, some discounts might not be offered everywhere. To see a list of insurance coverage companies with the best insurance coverage discounts, click here.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.

For example, these questions might point out whether you could use an agent’s help.

  • Do I have coverage for damage caused while driving under the influence?
  • Do I need roadside assistance coverage?
  • Is rental equipment covered for theft or damage?
  • I have a DUI can I still get coverage?
  • When should my teen driver be added to my policy?
  • Am I covered when driving a rental car?
  • How much can I save by bundling my policies?
  • How can I get high-risk coverage after a DUI?
  • Should I put collision coverage on all my vehicles?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Educate yourself about insurance coverages

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, dental work, funeral costs and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance covers 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 can pay for claims like hail damage, vandalism, damage from flooding, fire damage and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.


This protects you from damage or injury you incur to other people or property by causing an accident. 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 policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like legal defense fees, emergency aid, medical expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision coverage

Collision coverage covers damage to your E-250 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle, rolling your car, colliding with a tree and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Quote more. Save more.

People switch companies for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, high prices and high rates after DUI convictions. Regardless of your reason for switching companies, switching companies is pretty easy and you might even save some money in the process.

Some insurance providers do not provide the ability to get a quote online and usually these small, regional companies only sell through independent agents. Budget-friendly insurance is definitely available online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates.

You just learned a lot of techniques to reduce 1996 Ford E-250 insurance car insurance rates online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best car insurance rates are with an unexpected company.

More information is located at the links below

Comments About 1996 Ford E-250 Insurance

  1. Leilani Griffith

    I’m in Kansas City, MO and need high risk coverage. Help!

  2. Kemberly Trujillo

    If you don’t have tickets and live in the vicinity of Aberdeen, SD, check out Progressive. I saved quite a bit. Insured with Nationwide before. Got better coverage too. Just waiting to see how claims go. Book value doesn’t justify full coverage anymore.

  3. Ileen Buck

    Will GEICO do a SR22 in Cincinnati, OH?

  4. Hortencia Cardenas

    I live just to the east of Rockford, IL. Received rates from Sentry, Eastwood, GEICO, and American Family for my E-250 and saved just over $70 a year. Left Farmers to switch. A clean driving record helps. Next renewal I’ll just do liability.

  5. Genna Santiago

    Will 21st Century do a SR22 in Buffalo, NY?

  6. Dannielle Schultz

    Will State Farm be cheaper if I raise deductibles?

  7. Shiela Frank

    Good site, thanks. From northwest of North Charleston, SC. Quoted rates from Hanover, American Family, Safeco, and a couple others for my E-250 and saved $114 a year. :) When should I drop full coverage?