View 1995 Ford E-350 Insurance Rates

Want cheaper car insurance rates for your Ford E-350? Nobody I know likes paying for car insurance, especially when the price is too high. There is such a variety of auto insurance companies to pick from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare rates.

Do you qualify for discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Some trigger automatically at the time of purchase, but less common discounts must be requested specifically prior to receiving the credit. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Safe Drivers – Drivers who avoid accidents may save up to 50% more on E-350 coverage than less cautious drivers.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts when compared with accident-prone drivers.
  • Bundle and Save – If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a small decrease in premiums on E-350 coverage.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. Just because you may think it’s possible to get free car insurance, auto insurance companies aren’t that generous. But any discount will help reduce your premiums.

To see a list of providers who offer auto insurance discounts, click here to view.

Where Can I Get Cheap Car Insurance?

Finding a better price on car insurance can be surprisingly simple. Drivers just need to spend a few minutes to compare rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

The single most time-saving way to get quotes for comparison is a comparison rater form click here to open form in new window. This easy form eliminates the need for separate quote forms for every car insurance company. Completing one form will return price quotes from multiple low-cost companies.

A different way to compare prices requires you to visit each company website and fill out their own quote form. For examples sake, we’ll assume you want to compare rates from Geico, State Farm and American Family. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, be sure to compare identical coverage limits for every company. If you compare different values for each quote it will be very difficult to decipher which rate is best.

Don’t assume everyone needs the same coverage

When it comes to buying coverage, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Does coverage extend to Mexico or Canada?
  • Should I waive the damage coverage when renting a car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How much can I save by bundling my policies?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if I hit a deer?
  • How much liability insurance is required?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Liability insurance – This provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as bail bonds, emergency aid and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses like dental work, funeral costs, rehabilitation expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, a broken windshield, damage from flooding and hitting a deer. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This coverage covers damage to your E-350 caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, colliding with a tree, hitting a parking meter, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Knowledge is power

We’ve covered many tips how you can lower your 1995 Ford E-350 insurance rates. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even find the lowest premiums are with the least-expected company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.

Cheaper insurance is available from both online companies and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some insurance coverage companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

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