1997 Ford E-150 Car Insurance Quotes – 10 Ways to Save

Searching for cheaper car insurance rates for your Ford E-150? I can’t think of a single person who likes paying for car insurance, particularly when their premiums are through the roof. Drivers have multiple insurers to choose from, and even though it’s nice to have a choice, too many choices makes it more difficult to find the lowest cost provider.

Buying car insurance is quite easy. If you are insured now or need a new policy, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Consumers only need an understanding of the tricks to get comparison quotes over the internet.

Don’t miss out on these ten money-saving discounts

Companies offering auto insurance do not list every discount very clearly, so here is a list some of the best known and the more hidden insurance savings. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Sign Online – A few companies may give you up to $50 just for signing your application on their website.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Save over 55 – Older drivers may qualify for reduced rates for E-150 insurance.
  • Resident Student – Children living away from home attending college without a vehicle on campus may qualify for this discount.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • No Accidents – Drivers who don’t have accidents pay much less when compared with bad drivers.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for E-150 insurance depending on your company.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for E-150 insurance than their less cautious counterparts.

Drivers should understand that many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. So even though it sounds like you could get a free insurance policy, insurance companies aren’t that generous.

For a list of insurance companies with the best insurance discounts, click here to view.

Do I need special coverages?

When choosing the right insurance coverage, there is no one size fits all plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that could help you determine if your situation might need professional guidance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Are my friends covered when driving my car?
  • Is my 1997 Ford E-150 covered for smoke damage?
  • Who is covered by my policy?
  • Can I make deliveries for my home business?
  • How much underlying liability do I need for an umbrella policy?
  • Does my 1997 Ford E-150 qualify for pleasure use?
  • Why do I need rental car insurance?
  • Who is covered when they drive my 1997 Ford E-150?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.

Buyer beware of insurance coverage advertising tricks

Drivers can’t get away from ads for the lowest price auto insurance from the likes of State Farm, Allstate and Geico. They all make the same claim about savings after switching your coverage to them.

But how can every company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the right customer that earns them a profit. For instance, a desirable insured might be profiled as a mature driver, owns a home, and has a short commute. Any new insured who meets those qualifications receives the best rates and therefore will save quite a bit of money when switching.

Consumers who don’t measure up to these standards will be charged higher rates and ends up with the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save money. That is how companies can truthfully advertise the way they do. That is why drivers should get as many quotes as possible. Because you never know which company will give you the biggest savings on Ford E-150 insurance.

Insurance coverage breakdown

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.

Collision coverage – Collision insurance will pay to fix damage to your E-150 from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford E-150.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, fire damage, damage from flooding, falling objects and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like X-ray expenses, funeral costs and nursing services. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability – Liability insurance can cover damage or injury you incur to other’s property or people in an accident. It consists of three limits, 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 $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims like attorney fees, emergency aid, repair bills for other people’s vehicles, structural damage and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Don’t throw your cash in the trash

When shopping online for insurance, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice liability coverage limits only to find out that it was a big mistake. The proper strategy is to find the BEST coverage for the lowest price.

Discount 1997 Ford E-150 insurance can be purchased from both online companies and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Much more information about insurance is available on the following sites: