Cheaper 1994 Ford E-150 Car Insurance Quotes

Want better car insurance rates for your Ford E-150? Scraping up a payment for overpriced Ford E-150 insurance can drain your bank account and force you to prioritize other expenses. Shopping your coverage around is a smart way to cut your insurance bill. Because there are so many choices, it can be hard to find the most cost effective car insurance company.

You need to shop coverage around before your policy renews because insurance rates go up and down regularly. Just because you found the lowest rates on E-150 insurance last year a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about car insurance because you’re going to get a crash course in how to use the internet to reduce your cost while increasing coverage.

Compare Insurance Costs

Finding a lower price on 1994 Ford E-150 insurance isn’t really that difficult. You just need to take the time to compare quotes provided by online insurance companies. This can be accomplished using a couple different methods.

The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This form prevents you from having to do repetitive form submissions for each company. One form submission gets rate comparisons from all major companies.

A more difficult way to compare prices requires a visit to each company’s website to request a price quote. For examples sake, let’s say you want rates from Farmers, Geico and State Farm. You would have to visit each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.

Which method you use is up to you, but make sure you use the exact same coverage information for each price quote. If each company quotes differing limits you can’t possibly make an equal comparison.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether or not you would benefit from professional advice.

Is my vehicle covered by my employer’s policy when using it for work?
What is high-risk coverage and where do I buy it?
Should I file a claim if it’s only slightly more than my deductible?
Am I covered if hit by an uninsured driver?
Does my liability insurance cover pulling a trailer or camper?
How much can I save by bundling my policies?
Can I afford to pay high deductible claims out of pocket?
How can I get my company to pay me more for my totalled car?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Specific coverages for a 1994 Ford E-150

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for X-ray expenses, EMT expenses, doctor visits and nursing services. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, a broken windshield, hitting a deer and vandalism. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage

This can cover injuries or damage you cause to people or other property that is your fault. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as pain and suffering, repair bills for other people’s vehicles, funeral expenses, bail bonds and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford E-150.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.