Compare 1993 Ford E-150 Insurance Rates

Want the cheapest car insurance rates for your Ford E-150? Do you get exhausted from paying out the nose each month for car insurance? You are no different than millions of other consumers.

With consumers having so many companies and agents to choose from, it can be impossible to pick the best car insurance company.

You should take the time to get comparison quotes yearly because car insurance rates change regularly. Just because you found the lowest premium rates for E-150 coverage a couple years back the chances are good that you can find a lower price today. There is a lot of bad advice regarding car insurance on the web, but you can learn some great ways to lower your car insurance bill.

Cheaper rates by taking advantage of discounts

Insurance coverage is neither fun to buy or cheap, but you might be missing out on some discounts to reduce the price significantly. Some trigger automatically at the time you complete a quote, but less common discounts must be inquired about before being credited.

  • Bundled Policy Discount – If you can bundle your auto and homeowners insurance and place coverage with the same company you could earn a discount of up to 20% and get you cheaper car insurance.
  • Claim Free – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote when compared with drivers who are more careless.
  • Good Student Discount – Being a good student may save as much as 25% on a car insurance quote. The discount lasts well after school through age 25.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Air Bag Discount – Factory options such as air bags or motorized seat belts may earn rate discounts of 25 to 30%.
  • Drivers Education – It’s a good idea to have your young drivers take driver’s ed class in high school.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like you could get a free insurance coverage policy, companies don’t profit that way. Any amount of discount should help lower the cost of your policy.

Larger insurance coverage companies and a selection of discounts are included below.

  • American Family offers premium reductions for TimeAway discount, bundled insurance, good driver, mySafetyValet, and accident-free.
  • Nationwide has savings for easy pay, business or organization, multi-policy, Farm Bureau membership, accident-free, family plan, and good student.
  • MetLife may offer discounts for good student, defensive driver, claim-free, multi-policy, and good driver.
  • 21st Century discounts include homeowners, driver training, air bags, early bird, theft prevention, 55 and older, and good student.
  • Farmers Insurance policyholders can earn discounts including business and professional, distant student, early shopping, bundle discounts, and youthful driver.
  • Allstate offers discounts for defensive driver, EZ pay plan discount, economy car, teenSMART discount, multi-policy, and farm vehicle.

When getting free car insurance quotes, it’s a good idea to all the companies which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policyholders in your state. To view insurers that offer discounts, click here to view.

The cheapest insurance coverage quotes

When shopping for cheap car insurance quotes, there are a couple of ways of comparing price quotes from many insurance coverage companies in your state. The easiest way by far to comparison shop is to perform an online rate comparison. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. The most efficient method to get quotes for comparison is a comparison rater form like this one (opens in new window). This form prevents you from having to do separate quotes for every insurance coverage company. One simple form will return quotes from multiple low-cost companies.
  2. A more difficult way to shop for insurance coverage online is to manually visit the website for every company you want to comare to complete a price quote. For instance, we’ll assume you want to compare GEICO, Esurance and State Farm. To get rate quotes you would need to go to each individual site and repeatedly type in your coverage information, which can get old fast. To view a list of companies in your area, click here.
  3. The least efficient method to compare price quotes to and from local insurance agencies. Quoting and buying insurance online can eliminate the need for a local agent unless your situation requires the guidance that you can only get from talking to an agent. Drivers can obtain prices from the web but have a local agent actually write the policy.

Compare rates however you want, just ensure you are comparing nearly identical deductibles and coverage limits on every quote. If your comparisons have mixed coverages it will be next to impossible to get a fair rate comparison. Even a minor difference in insurance coverages or limits can make a big difference in price. It’s important to know that comparing more rates from different companies will increase your chances of finding better pricing. Some smaller insurers to not give online rate quotes, so you also need to get prices from them, too.

How much insurance do I need?

When it comes to choosing the best insurance coverage, there really is not a single plan that fits everyone. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • Am I getting all the discounts available?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered if hit by an uninsured driver?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How does medical payments coverage work?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Insurance coverage specifics

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Comprehensive coverages

This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, falling objects, rock chips in glass and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance pays for damage to your E-150 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, scraping a guard rail, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for dental work, rehabilitation expenses, doctor visits, chiropractic care and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Ford E-150.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance

Liability insurance will cover damage that occurs to people or other property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use 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 emergency aid, legal defense fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

One last thing about your coverage

Budget-friendly insurance coverage can be sourced both online as well as from insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. There are still a few companies who may not offer online price quotes and these small insurance companies only sell through independent agencies.

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. The proper strategy is to find the BEST coverage at the best price, but do not skimp to save money.

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