Lower Your 1996 Ford E-350 Car Insurance Rates

Cutting costs on Driversinsurance coverage can be a challenge for drivers who are beginners to shopping for insurance online. Since there are so many online companies, it can easily be a difficult situation to find more affordable prices.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these tips. Buying the best insurance coverage is simple if you know the tricks. But consumers benefit from understanding the way insurance companies sell insurance online.

The fastest way that we advise to get rate comparisons is to know car insurance companies actually pay money for the chance to provide you with a free rate quote. All you need to do is provide the companies a bit of rating information including types of safety features, if you went to college, if you’re married, and driver ages. The data is automatically sent to insurance companies and you will get price comparisons with very little delay.

If you wish to get multiple quotes for your 1996 Ford E-350 now, click here and complete the form.

Smaller companies may have the best rates

Well-known car insurance companies like State Farm and Allstate consistently run television and radio advertisements. They all have a common claim that people will save after switching your car insurance coverage to their company. That’s great but how can every company have lower policy pricing? This is the trick they use.

All companies provide the lowest rates for the type of insured that will most likely be profitable. A good example of a desirable insured might be described as between 30 and 50, has no driving citations, and has excellent credit. Anybody who matches that profile will get the preferred prices and is almost guaranteed to save a lot if they switch.

Potential customers who do not meet these stringent criteria must pay more expensive rates which leads to business not being written. The ads state “drivers that switch” but not “everyone who gets a quote” save that much when switching. That’s the way insurance companies can advertise the way they do.

Because of these techniques, it is so important to compare free car insurance quotes often. It is just not possible to predict with any certainty which company will give you lower premium rates than your current company.

Smart choices result in lower insurance costs

When buying insurance coverage it’s important to understand the rating factors that play a part in calculating your premiums. When consumers understand what determines base rates, this allows you to make good choices that could result in big savings.

The itemized list below are just a few of the factors that factor into prices.

  • Prices can be impacted by your vocation – Occupations such as judges, business owners and medical professionals generally have the highest average rates due to stressful work requirements and long work days. On the other hand, careers like actors, historians and performers pay the least for E-350 insurance.
  • Higher physical damage deductibles lower rates – Deductibles for physical damage represent how much money the insured will be required to pay before your insurance coverage pays a claim. Coverage for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some coverage claims are a windshield broken by a bird, damage from fire, and having a roll-over accident. The more damage repair cost you choose to pay out-of-pocket, the less money you will pay for insurance coverage for E-350 insurance.
  • Where you reside – Choosing to live in less populated areas is a good thing if you are looking for the lowest rates. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims. People who live in big cities regularly have much more traffic and higher rates of accident claims. More time on the road means more chance of being in an accident.
  • Too many policy claims drive up premiums – If you tend to file frequent claims, you can expect increased rates or even have your policy non-renewed. Car insurance companies provide lower rates to people who are not frequent claim filers. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Credit score impacts premium rates – Having a good credit rating factor in determining what you pay for insurance coverage. So if your credit rating is lower than you’d like, you could potentially save money when insuring your 1996 Ford E-350 if you clean up your credit. People with good credit tend to be less risk to insure than drivers who have poor credit scores.
  • Extra coverages can add up – There are many add-on coverages that sound like a good idea at the time when buying insurance coverage. Insurance for vanishing deductibles, accidental death, and membership fees are examples of these. These may sound like a good investment initially, but your needs may have changed so get rid of them and save.
  • Save annual miles and save money – The more you drive your Ford every year the higher your rate. The majority of insurers rate vehicles determined by how the vehicle is used. Vehicles left parked in the garage cost less to insure than vehicles that have high annual mileage. It’s a smart idea to ensure your vehicle rating properly reflects the right rating data. An incorrectly rated E-350 may be costing you.

Discounts can really help to save

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that could help you make your next renewal payment. Some trigger automatically at the time you complete a quote, but once in a while a discount must be asked for prior to getting the savings.

  • Homeowners Pay Less – Owning a house can earn you a little savings because maintaining a house requires personal responsibility.
  • Multi-line Discount – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
  • Discounts for Cautious Drivers – Safe drivers can save as much as half off their rates for E-350 insurance than drivers with accidents.
  • Telematics Data Discounts – Drivers who agree to allow their insurance company to spy on driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as they are good drivers.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.

Remember that some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, it’s just not the way it works. But all discounts will reduce your insurance premiums.

Popular insurance companies and a partial list of their discounts are:

  • Travelers may have discounts that include IntelliDrive, continuous insurance, driver training, student away at school, payment discounts, and multi-policy.
  • 21st Century includes discounts for student driver, automatic seat belts, good student, theft prevention, driver training, anti-lock brakes, and homeowners.
  • State Farm has discounts for good student, student away at school, Steer Clear safe driver discount, multiple autos, defensive driving training, anti-theft, and driver’s education.
  • GEICO offers discounts for emergency military deployment, multi-policy, multi-vehicle, anti-lock brakes, daytime running lights, air bags, and membership and employees.
  • SAFECO policyholders can earn discounts including accident prevention training, bundle discounts, anti-lock brakes, safe driver, anti-theft, and teen safe driver.
  • AAA discounts include anti-theft, multi-policy, good driver, AAA membership discount, education and occupation, multi-car, and good student.

Before you buy a policy, ask every prospective company which discounts you qualify for. Depending on the company, some discounts might not apply in your area. To find companies that offer some of these discounts, click this link.

Will just any policy work for me?

When buying the right insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions may help highlight if your situation would benefit from professional advice.

  • Does my 1996 Ford E-350 need full coverage?
  • Can I afford to buy a different vehicle if my 1996 Ford E-350 is totaled?
  • What are the financial responsibility laws in my state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When does my teenage driver need to be added to my policy?
  • How much liability coverage do I need in my state?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Specific coverage details

Learning about specific coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability coverages – Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see 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 total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like funeral expenses, structural damage, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, damage from flooding, a broken windshield, hitting a deer and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – This coverage pays for damage to your E-350 caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for expenses such as ambulance fees, nursing services, chiropractic care, funeral costs and hospital visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford E-350.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

The bottom line

Cheaper 1996 Ford E-350 insurance is attainable from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get quotes online and usually these small, regional companies only sell through independent insurance agencies.

Throughout this article, we presented some good ideas how you can lower your 1996 Ford E-350 insurance car insurance rates. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from the smaller companies.

Consumers change insurance companies for many reasons like unfair underwriting practices, lack of trust in their agent, questionable increases in premium or policy cancellation. Regardless of your reason for switching companies, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

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