Lower Your 1996 Ford E-250 Insurance Quotes

No one in their right mind likes having to buy insurance, especially when they are paying too much. Drivers have multiple insurers to purchase coverage from, and although it’s a good thing to have a selection, it can be more challenging to locate the cheapest rates.

You need to price shop coverage at least once a year because rates are constantly changing. Even if you got the best deal for E-250 insurance a couple years back there is a good chance you can find better rates now. There is a lot of wrong information about insurance online but by reading this article, you’re going to learn the best ways to stop overpaying for insurance.

These factors can influence Ford E-250 insurance rates

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. Knowing what determines base rates helps enable you to make changes that will entitle you to better car insurance rates.

Listed below are some of the items that factor into prices.

  • Theft deterrents lower rates – Driving a car with an alarm system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
  • Do you need the policy add-ons? – There are many extra bells and whistles that can waste your money if you aren’t careful. Insurance for vanishing deductibles, accident forgiveness and membership fees are some examples. These may sound like a good investment at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Do you know your deductibles? – The deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The more money you have to pay, the less your company will charge you for insurance for E-250 insurance.
  • How’s your driving record? – Drivers with clean records get better rates than bad drivers. Even one speeding ticket may increase your cost twenty percent or more. If you have serious violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • The more you drive the more you pay – The higher the mileage driven in a year the higher your rate. Most insurance companies rate vehicles based upon how you use the vehicle. Autos that are left in the garage get more affordable rates compared to those used for work or business. Verify your car insurance declarations sheet properly reflects the correct usage for each vehicle. If your policy improperly rates your E-250 may be wasting your money.

Quick Car Insurance Quotes

There are a variety of methods to compare 1996 Ford E-250 car insurance quotes, but some are more efficient than others. You could spend the better part of a day talking to insurance agencies in your area, or you could save time and use the internet to get prices fast.

The majority of car insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and each participating company then gives them pricing based on the submitted data. This eliminates the need for repetitive form submissions for each company.

To enter your information into the quoting system, click to open in new window.

The only drawback to comparing rates this way is you can’t choose which companies to receive prices from. So if you want to choose individual companies to request quotes from, we put together a list of companies who write car insurance in your area. Click to view list.

It doesn’t matter which method you choose, just double check that you are using identical information with every price quote. If your comparisons have different liability limits it will be impossible to determine the lowest rate for your Ford E-250.

Auto insurance myths debunked

Consumers constantly see and hear ads for cheaper car insurance by companies like Allstate and Progressive. They all make the same claim about savings if you move to them.

How can each company make almost identical claims? This is how they do it.

All companies can use profiling for the right customer that earns them a profit. For instance, a profitable customer might be over the age of 40, has no tickets, and chooses high deductibles. Any driver who matches those parameters will get the preferred rates and is almost guaranteed to save a lot of money.

Consumers who are not a match for these standards will be quoted higher rates and ends up with the customer not buying. The ads say “drivers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can confidently make those claims.

This emphasizes why you absolutely need to get as many quotes as possible. It’s impossible to know the company that will provide you with the cheapest Ford E-250 insurance rates.

More discounts equal less premium

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be manually applied before they will apply. If you don’t get every credit available, you are paying more than you should be.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Government Employees – Employees or retirees of the government can save as much as 8% for E-250 insurance with a few insurance companies.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Memberships – Affiliation with certain professional organizations could trigger savings when shopping for insurance for E-250 insurance.

It’s important to understand that some of the credits will not apply the the whole policy. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like adding up those discounts means a free policy, insurance companies aren’t that generous. But any discount will reduce the amount you have to pay.

Insurance companies that may have some of the above discounts include:

Double check with each company which discounts they offer. Discounts may not apply in your state.

It’s not one size fits all

When buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • Do I need an umbrella policy?
  • Can I afford low physical damage deductibles?
  • How do I file an SR-22 for a DUI in my state?
  • What should my uninsured motorist coverage limits be in my state?
  • Does coverage extend to Mexico or Canada?
  • Will filing a claim cost me more?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Insurance coverage specifics

Learning about specific coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Auto collision coverage

Collision coverage will pay to fix damage to your E-250 caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like backing into a parked car, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as pain medications, chiropractic care and doctor visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits 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 property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as funeral expenses, pain and suffering, attorney fees and structural damage. How much coverage you buy is up to you, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford E-250.

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. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a deer, fire damage, damage from getting keyed, rock chips in glass and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

More choices the merrier

While you’re price shopping online, you should never reduce needed coverages to save money. There are too many instances where consumers will sacrifice physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

In this article, we presented many ways to reduce 1996 Ford E-250 insurance prices online. The key thing to remember is the more you quote, the higher the chance of saving money. Drivers may discover the biggest savings come from some of the lesser-known companies. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

Additional information