Lower Your 1990 Ford E-350 Car Insurance Cost

Buyers have a choice when searching for the lowest priced Ford E-350 insurance. You can either waste hours driving around getting price quotes or use the internet to get rate quotes. There are more efficient ways to buy auto insurance so we’re going to tell you the absolute fastest way to get price quotes for a Ford and find the cheapest rates from both online companies and local agents.

Pay less by taking advantage of discounts

Companies offering auto insurance don’t always list every discount in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit available, you are throwing money away.

  • One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Discount for New Cars – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for E-350 insurance than drivers with accident claims.
  • Payment Method – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Drive Less and Save – Fewer annual miles on your Ford could qualify for discounted rates on garaged vehicles.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Clubs and Organizations – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for insurance for E-350 insurance.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.

Insurance companies who might offer these money-saving discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

Impacting insurance rates for a Ford E-350

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what influences your rates enables informed choices that will entitle you to lower auto insurance prices.

Shown below are a partial list of the pieces auto insurance companies consider when setting prices.

  • A lapse in coverage is a bad thing – Driving without insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Bad driving skills means higher rates – Even a single citation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets get better rates than their less careful counterparts. Drivers who get dangerous violations like DUI or reckless driving may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Where you live can impact rates – Being located in small towns and rural areas has it’s advantages when talking about auto insurance. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. Drivers who live in large cities have congested traffic and a longer drive to work. More time commuting means higher likelihood of an accident.
  • Lower rates come with age – Older drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Teen drivers have a tendency to get distracted easily behind the wheel and because of this, their auto insurance rates are much higher.
  • Consolidate policies to earn discounts – Many insurance companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to make sure you are getting the best deal. You may still find a better deal by buying insurance from more than one company.
  • Do you have enough liability coverage? – Liability coverage is the coverage that protects you if a jury decides you are liable for damages caused by your negligence. It will provide legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
  • Your job and insurance rates – Did you know your auto insurance rates can be affected by your occupation? Occupations like judges, executives and dentists tend to pay the highest average rates because of stressful work requirements and long work days. Other professions such as farmers, historians and performers have the lowest average rates for E-350 insurance.
  • Do you need the policy add-ons? – There are many add-on coverages that you can get tricked into buying when buying auto insurance. Things like vanishing deductibles, accidental death and membership fees may be costing you every month. They may seem good at first, but your needs may have changed so remove them from your policy.

Your coverage should be tailored to you

When buying the best insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

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

  • Is my cargo covered for damage or theft?
  • Do I need rental car coverage?
  • What is the ISO rating for a 1990 Ford E-350?
  • Who is covered when they drive my 1990 Ford E-350?
  • How much can I save by bundling my policies?
  • Can I still get insurance after a DUI?
  • Why do I only qualify for high-risk insurance?
  • Can I rent a car in Mexico?
  • Why does it cost so much to insure a teen driver?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision – This coverage will pay to fix damage to your E-350 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability coverage – Liability insurance can cover damage that occurs to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things like pain and suffering, medical services, funeral expenses, structural damage and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford E-350.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage – Coverage for medical payments and/or PIP pay for immediate expenses like prosthetic devices, ambulance fees and pain medications. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive protection – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, a broken windshield, damage from a tornado or hurricane and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Be a penny pincher

Throughout this article, we presented a lot of information how to reduce 1990 Ford E-350 insurance prices online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. You may even discover the lowest priced insurance comes from some of the smallest insurance companies.

Cost effective insurance is possible from both online companies and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

Consumers switch companies for any number of reasons including extreme rates for teen drivers, policy cancellation, denial of a claim and policy non-renewal. Whatever your reason, finding the right insurance provider can be less work than you think.

More information can be found on the following sites: