1993 Ford E-250 Car Insurance Cost

Are you drained from robbing Peter to pay Paul to insure your Ford every month? You have the same problem as most other people.

Numerous auto insurance companies battle for your business, and because of this it can be hard to compare car insurance companies and get the definite best rates possible.

Ways to get insurance coverage price quotes

To get affordable car insurance quotes, there a variety of ways to compare prices from different insurance companies. The fastest way to find the lowest 1993 Ford E-250 rates is to perform an online rate comparison. It’s really quite simple and can be done in a couple of different ways.

The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating a different quote for each company you want a rate for. Filling out one form gets coverage cost estimates direct from many companies.

A different way to get quotes online requires visiting each individual company website to request a price quote. For instance, let’s say you want to view quotes from GEICO, 21st Century and Farmers. In order to compare rates, you need to take the time to go to each site to enter the same coverage data repeatedly, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare the exact same information for each comparison quote. If you compare different coverage information it will be very difficult to make a fair rate comparison. Having just a slight variation in coverage limits could mean much higher rates. Just remember that getting more free quotes gives you a better chance of getting a better price.

Tailor your car insurance coverage to you

When choosing adequate coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can aid in determining whether or not you will benefit from professional help.

  • Is my ex-spouse still covered by my policy?
  • Is my cargo covered for damage or theft?
  • Why am I required to get a high-risk car insurance policy?
  • Does my 1993 Ford E-250 need full coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • What discounts do I qualify for?
  • Does coverage extend to Mexico or Canada?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Specific coverages for a 1993 Ford E-250

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford E-250.

Since many drivers carry very low liability coverage 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. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for short-term medical expenses for EMT expenses, funeral costs and surgery. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability – Liability insurance will cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like structural damage, attorney fees, legal defense fees, medical expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, rock chips in glass, a tree branch falling on your vehicle and a broken windshield. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This coverage covers damage to your E-250 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.