1996 Ford E-150 Insurance Rates

Did you fall for a flashy sales pitch and buy an expensive car insurance policy? Believe me, there are many drivers thinking the same thing. There are many auto insurance companies to buy insurance from, and though it is a good thing to be able to choose, so many choices can make it hard to compare company pricing.

Smart consumers take time to price shop coverage at least once a year because prices fluctuate regularly. Even if you got the best rates on E-150 coverage a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re going to learn the tricks you need to know to find lower rates on car insurance.

Finding the best rates is not rocket science. If you currently have a car insurance policy, you will most likely be able to save some money using this strategy. Drivers only need to know the proper methods to shop their coverage around on the web.

How to find cheap auto insurance

Most major insurance companies like State Farm, GEICO and Progressive provide price estimates from their websites. The process is pretty easy as you simply enter on the page. After you complete the form, their rating system collects your credit score and driving record and returns a price quote determined by many factors. Online price quotes makes it simple to compare prices but having to visit many different websites and type in the same information is a big time waster. But it’s also necessary to get many rate quotes if you are searching for the lowest price.

A quicker way to locate the lowest prices requires only one form that analyzes rates from several different companies. This type of form saves time, eliminates repetitive work, and makes quoting online much easier. Once the form is submitted, your coverage is rated and you can choose any or none of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. It takes 15 minutes at the most and may save quite a bit of money.

If you want to find out how much you can save on auto insurance, simply click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you copy the coverages exactly as shown on your declarations page. This way, you will have rate comparison quotes based on the exact same insurance coverage.

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There’s no such thing as the perfect car insurance policy

When buying the best car insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For example, these questions could help you determine if your situation would benefit from professional advice.

Is a fancy paint job covered?
Should I buy full coverage?
Am I covered if I break a side mirror?
How high should my medical payments coverage be?
What can I do if my company won’t pay a claim?
What if I don’t agree with a claim settlement offer?
Does my car insurance cover rental cars?
I have a DUI can I still get coverage?
Are my friends covered when driving my car?
What is high-risk coverage and where do I buy it?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Auto insurance policy coverages for a 1996 Ford E-150

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average auto insurance policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses for rehabilitation expenses, nursing services, hospital visits and chiropractic care. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a bird, damage from flooding, a broken windshield and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

This will cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, bail bonds, funeral expenses and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your 1996 Ford E-150.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto collision coverage

Collision coverage covers damage to your E-150 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 things such as hitting a mailbox, crashing into a building, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.