Cheap 1998 Ford E-350 Car Insurance Quotes

Want lower insurance rates? Drivers have many options when trying to find the best price on Ford E-350 insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to get rate quotes. There are both good and bad ways to find insurance online and you need to know the best way to compare rates for a Ford and obtain the lowest possible price either online or from local insurance agents.

Low cost auto insurance prices

There are multiple methods to compare auto insurance prices and some are more efficient than others. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can utilize the web to get prices fast.

Most car insurance companies enroll in a system that enables customers to only type in their quote data once, and each company can give them a price. This eliminates the need for quote forms for each company.

To compare rates using this form now click here to open in new window.

The single downside to doing it this way is that consumers can’t choose which insurance companies to get pricing from. If you wish to select specific insurance companies to compare rates, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make sure you are using identical coverage limits for each comparison quote. If your comparisons have different liability limits it’s impossible to determine the best price for your Ford E-350.

Discounts to earn affordable car insurance rates

Auto insurance companies don’t always publicize every available discount in an easy-to-find place, so the list below contains a few of the more common and also the lesser-known ways to save on car insurance. If you’re not getting every credit possible, you are just wasting money.

• Switch and Save Discount – Some car insurance companies provide a discount for buying a new policy before your current expiration date. You can save around 10% with this discount.
• Good Driver Discount – Insureds who avoid accidents could pay up to 40% less on E-350 insurance compared to accident prone drivers.
• Policy Bundle Discount – If you can combine your home and auto policy with the same company you could get a discount of at least 10% off all policies.
• Professional Memberships – Being in certain professional organizations can get you a small discount on car insurance.
• Multi-Vehicle Discounts – Buying coverage for primary and secondary vehicles with the same car insurance company can reduce the rates for all insured vehicles.

Policy discounts save money, but most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will reduce your policy premium.

The best car insurance companies and some of the premium reductions they offer can be found below.

• 21st Century discounts include anti-lock brakes, early bird, defensive driver, driver training, homeowners, teen driver, and air bags.
• State Farm offers discounts including Drive Safe & Save, anti-theft, good driver, Steer Clear safe driver discount, multiple policy, accident-free, and passive restraint.
• AAA offers premium reductions for multi-car, pay-in-full, AAA membership discount, good student, education and occupation, and good driver.
• Liberty Mutual may include discounts for new vehicle discount, preferred payment discount, good student, safety features, multi-car, and newly married.
• Progressive has discounts for online quote discount, multi-policy, good student, online signing, continuous coverage, and multi-vehicle.

Check with every prospective company which discounts you qualify for. Some of the discounts discussed earlier may not be offered in every state.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions might help in determining if your insurance needs could use an agent’s help.

• Do I need PIP (personal injury protection) coverage in my state?
• Do I need motorclub coverage?
• Should I buy only the required minimum liability coverage?
• Should I sign the liability waiver when renting a car?
• Am I covered when delivering products for my home-based business?
• Do I have newly-aquired coverage?
• Should I drop comprehensive coverage on older vehicles?
• What is the rate difference between pleasure use and commuting?
• Will I lose any money if I cancel my policy before it expires?
• Do I benefit by insuring my home with the same company?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Parts of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability coverages – This coverage will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as attorney fees, emergency aid, court costs and structural damage. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Collision coverages – Collision coverage covers damage to your E-350 caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, sustaining damage from a pot hole, crashing into a ditch, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for X-ray expenses, doctor visits and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

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

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford E-350.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.