1998 Ford E-350 Insurance Quotes – 8 Policy Discounts

Want lower car insurance rates for your Ford E-350? Are you intimidated by the crazy number of car insurance choices? Many other consumers are too. You have so many options available that it can turn into more work than you anticipated to find lower rates.

How to Compare Car Insurance

The are a couple different ways to compare rate quotes from different insurance companies. One of the best ways to find competitive 1998 Ford E-350 insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

  • The fastest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This method saves time by eliminating a different quote for each company you want a rate for. One form submission compares rates from all major companies.It’s the quickest way to get rates.
  • A less efficient way to find lower rates is to take the time to go to each company’s website and complete a new quote form. For sake of this example, we’ll assume you want to compare rates from Allstate, Safeco and Farmers. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples coverage information for every quote you compare. If each company quotes differing limits it will be impossible to determine the best price for your Ford E-350. Quoting even small variations in limits can result in a big premium difference. And when comparing car insurance rates, know that comparing more company’s prices helps locate a lower rate.

Companies offer discounts so take them!

The cost of insuring your cars can be expensive, but companies offer discounts to help bring down the price. Certain discounts will be applied when you quote, but some may not be applied and must be inquired about before they will apply.

  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Homeowners Pay Less – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on E-350 insurance than drivers with accidents.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. But any discount will cut the amount you have to pay.

For a list of providers offering insurance coverage discounts, click here to view.

Do I just need basic coverages?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions can help discover if you could use an agent’s help.

  • Is a fancy paint job covered?
  • When can my company non-renew my policy?
  • Am I covered if I drive in a foreign country?
  • Does having multiple vehicles earn me a discount?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my babysitter covered when using my vehicle?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Switch companies and save? Really?

Allstate and Progressive regularly use television and radio advertisements. All the companies say the same thing about savings if you move to their company. How can each company claim to save you money?

All the different companies are able to cherry pick for the right customer that is profitable for them. A good example of a desirable insured could be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and most likely will save quite a bit of money when switching.

Consumers who fall outside the requirements will be quoted more money which leads to 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 the claims of big savings.

This emphasizes why you need to get as many comparisons as possible. It’s not possible to predict the company that will provide you with the cheapest Ford E-350 insurance rates.

Car insurance coverage considerations

Understanding the coverages of a car insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive car insurance – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, damage from getting keyed and hitting a bird. The maximum amount 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.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like dental work, surgery and pain medications. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision – Collision coverage will pay to fix damage to your E-350 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, driving through your garage door, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for liability – This can cover damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical services, court costs, loss of income, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

A tidy conclusion

We’ve covered some good ideas how you can lower your 1998 Ford E-350 insurance rates. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest priced car insurance comes from the least-expected company.

People change insurance companies for a number of reasons such as policy cancellation, delays in responding to claim requests, policy non-renewal or even extreme rates for teen drivers. Regardless of your reason for switching companies, switching companies is pretty easy and you might even save some money in the process.

When shopping online for car insurance, do not buy less coverage just to save a little money. In many cases, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at the best price, not the least amount of coverage.

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