Cheaper 1991 Ford E-250 Insurance Quotes

Trying to find better car insurance rates for your Ford E-250? Pricey Ford E-250 insurance can take a big chunk out of your savings and put a big crunch on your finances. Comparison shopping is a great way to make sure you’re not throwing money away.

Big companies like State Farm and GEICO constantly bombard you with TV and radio ads and it is difficult to ignore the propoganda and do the work needed to find the best deal.

Compare free insurance coverage rate quotes

Effectively comparing insurance coverage prices can be a lot of work if you don’t utilize the most efficient way. You could spend the better part of a day driving to insurance agencies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies belong to a marketplace that enables customers to send in one quote, and at least one company then returns a price quote based on that data. This system prevents you from having to do quotation requests to each company. To find out how much you’re overpaying now click here to open in new window.

One minor caviat to using this type of system is you cannot specify the insurers to get pricing from. So if you prefer to choose specific providers to receive pricing from, we have a page of insurance coverage companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just do your best to enter the same coverages and limits on every quote. If your comparisons have different data you will not be able to determine which company has the best rates. Slightly different coverage limits could mean much higher rates. Keep in mind that obtaining a wide range of quotes helps you find the best offered rates. Some regional insurers cannot provide online quotes, so you also need to get price quotes from the smaller companies as well.

More affordable rates with discounts

Insurance can be prohibitively expensive, but you may be missing some discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time of quoting, but some need to be asked about before being credited.

Use Seat Belts – Drivers who require all occupants to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
Early Renewal Discounts – Some car insurance companies provide a discount for signing up early. It’s a savings of about 10%.
Telematics Data Discounts – Insureds who allow companies to look at driving manner by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if their driving habits are good.
Accident Forgiveness – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm may permit one accident before hitting you with a surcharge as long as you don’t have any claims prior to being involved in the accident.
Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
Multiple Vehicles – Having all your vehicles on a single policy may reduce the rate for each vehicle.
Good Student – Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
Driver’s Ed – Teen drivers should sucessfully take a drivers education course if it’s offered in school.
ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
Military Discounts – Being deployed in the military could qualify you for better premium rates.

Keep in mind that most credits do not apply the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. Even though the math looks like it’s possible to get free car insurance, companies wouldn’t make money that way.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Before purchasing a policy, check with every prospective company the best way to save money. Some discounts listed above may not apply in your area. To find insurance companies offering car insurance discounts, click here to view.

What is the best car insurance coverage?

When buying the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether you might need professional guidance.

Will I lose any money if I cancel my policy before it expires?
How much liability insurance is required?
Do I need replacement cost coverage?
Should I get collision insurance on every vehicle?
How do I file an SR-22 for a DUI in my state?
Is my custom paint covered by insurance?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

The coverage is in the details

Knowing the specifics of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1991 Ford E-250.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like dental work, doctor visits and ambulance fees. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

This coverage protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, legal defense fees, emergency aid, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays for 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 can pay for things such as hitting a deer, falling objects and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.