Lower Your 1997 Ford E-350 Insurance Rates

Want the cheapest insurance coverage rates for your Ford E-350? Tired of being strong-armed to pay high insurance coverage rates every month? Your situation is no different than many other consumers.

There are many car insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, it can be more difficult to get the best deal.

You need to compare prices yearly because insurance prices are adjusted regularly by insurance companies. Even if you got the best deal on E-350 insurance two years ago you can probably find a better premium rate now. There is lot of inaccurate information about insurance coverage on the internet, but we’re going to give you some excellent ideas to slash your insurance coverage rates.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to save some money using this strategy. But vehicle owners need to learn how the larger insurance companies determine prices because it can help you find the best coverage.

Find hidden discounts to get affordable auto insurance quotes

The price of auto insurance can be rather high, but discounts can save money and there are some available that could help you make your next renewal payment. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be specifically requested before you get the savings.

• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up can save up to 15% off the medical payments premium.
• Drive Safe and Save – Insureds without accidents could pay up to 40% less on E-350 insurance than their less cautious counterparts.
• Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy a life insurance policy as well.
• Distant Student Discount – Any of your kids who are enrolled in higher education away from home and leave their car at home could get you a discount.
• Discount for New Cars – Putting coverage on a new car can cost up to 25% less since newer vehicles are generally safer.
• Air Bags and Passive Restraints – Options like air bags or motorized seat belts may qualify for discounts of more than 20%.
• Membership in Organizations – Having an affiliation with a qualifying organization is a good way to get lower rates on your next auto insurance statement.

Don’t be surprised that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts should help reduce your overall bill.

Auto insurance companies that may include most of the discounts above include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

If you want cheap car insurance quotes, ask all companies you are considering which discounts can lower your rates. Savings may not be offered in your area. To choose insurance companies that have a full spectrum of discounts, click this link.

Low cost car insurance prices

To find low cost car insurance quotes, there are several ways to compare rate quotes from lots of car insurance companies. The quickest method to compare 1997 Ford E-350 insurance prices consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

• Without a doubt, the easiest way consumers can analyze rates is a comparison rater form click to view form in new window. This method saves time by eliminating boring form submissions for every car insurance company. Filling out one form will get you rate comparisons from all major companies.
• A more time consuming way to find lower rates is spending the time to visit the website for each individual company and request a quote. For examples sake, let’s say you want rates from Geico, State Farm and American Family. In order to compare rates, you need to spend time on each company’s site to input your insurance information, which can get rather old.

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

• The least efficient and most time consuming way to comparison shop rate quotes is calling or driving to local insurance agencies. Quoting and buying insurance online makes this unnecessary unless you’re the type of person who wants the advice and guidance that only a licensed agent can provide. However, consumers can compare online quotes but buy from a local insurance agent.

It’s up to you which method you use, but compare equivalent coverages and limits for every quote you compare. If the quotes have different data it will be nearly impossible to make a fair comparison for your Ford E-350. Just a small difference in insurance coverages may cause a big price difference. And when price shopping your coverage, comparing more rates from different companies will increase your chances of finding a lower rate than you’re paying now.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining whether or not you will benefit from professional help.

• Is other people’s property covered if stolen from my vehicle?
• Do I have coverage when making deliveries for my home business?
• Does medical payments coverage apply to all occupants?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Should I buy only the required minimum liability coverage?
• What discounts do I qualify for?
• What happens if I owe more than my 1997 Ford E-350 is worth?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Educate yourself about insurance coverages

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.

Collision coverages – This coverage pays for damage to your E-350 resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, hitting a parking meter, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1997 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 is a good idea.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for immediate expenses for nursing services, surgery and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – This will pay to fix 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 damage from a tornado or hurricane, fire damage, a broken windshield, theft and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance – This coverage can cover damage that occurs to a person or their property by causing an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like legal defense fees, medical services, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

One last thing

We just showed you many ways to get a better price on 1997 Ford E-350 insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding the cheapest car insurance. You may even discover the lowest rates are with a small local company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.

Lower-priced insurance can be purchased on the web in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not offer online price quotes and usually these small insurance companies only sell coverage through local independent agencies.

More tips and info about insurance is located in these articles:

• Alcohol Impaired Driving FAQ (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• Teen Driving Statistics (Geico)
• Car Insurance FAQ (Trusted Choice)