Save on 1997 Ford E-350 Insurance Cost

Are you a victim of an overpriced insurance coverage policy? Trust us, there are many consumers feeling the pinch from expensive insurance coverage.

Drivers have so many insurers to buy insurance from, and although it’s nice to have a selection, so many choices can make it hard to compare rates.

It’s important to check insurance coverage prices once or twice a year due to the fact that insurance rates go up and down regularly. Even if you got the best deal for E-350 insurance six months ago you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance coverage online but by reading this article, you’re going to learn some good information on how to save money.

Shopping for cheaper insurance is easy if you know what you’re doing. Essentially every driver who has to buy insurance will be able to lower their premiums. But drivers should learn how big insurance companies market insurance on the web and apply this information to your search.

Comprehensive Insurance Coverage Comparison

Shopping for lower insurance coverage rates can take time and effort if you don’t utilize the best way to get rate quotes. You could spend your day talking to agents in your area, or you can utilize the web to get the quickest rates.

Many of the larger companies belong to an insurance system that allows shoppers to enter their policy data once, and every company can provide price quotes determined by their information. This prevents consumers from doing quote requests to every company.

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

One minor caviat to comparing rates this way is that you can’t choose the companies you want to price. So if you want to choose from a list of companies to compare prices, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using identical deductibles and coverage limits for every quote you compare. If the quotes have mixed coverages it will be very difficult to decipher which rate is best. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparing insurance coverage rates, know that quoting more gives you a better chance of getting better pricing.

Lots of discounts mean lots of savings

Car insurance is not cheap, but you can get discounts that you may not know about. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be asked for before you will receive the discount.

• Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
• Clubs and Organizations – Being a member of a civic or occupational organization could trigger savings on auto insurance for E-350 insurance.
• No Charge for an Accident – Certain companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
• Life Insurance – Companies who offer life insurance give better rates if you take out auto and life insurance together.
• Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
• Bundle and Save – If you have multiple policies with one company you will save up to 20% off your total premium.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will bring down the amount you have to pay.

To see a list of insurance companies with discount auto insurance rates, click this link.

Situations that might require an agent

When it comes to choosing the best auto insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

• Does my insurance cover my expensive audio equipment?
• How can I find cheaper teen driver insurance?
• Is my trailer covered?
• I have a DUI can I still get coverage?
• Do I need rental car coverage?
• Do all my vehicles need collision coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance coverages explained

Having a good grasp of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types available from car insurance companies.

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford E-350.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance – Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you from legal claims by others, 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. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as repair bills for other people’s vehicles, funeral expenses, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverages – This covers damage to your E-350 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, scraping a guard rail, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Comprehensive protection – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, fire damage, hitting a bird and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for dental work, doctor visits, nursing services and chiropractic care. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage