How Much Does 1997 Ford E-250 Insurance Cost?

Trying to find the cheapest insurance rates for your Ford E-250? Finding cheap rates on Driversinsurance might be frustrating for drivers who have little experience comparing prices online. With so many agents and insurers to choose from, it can turn into a challenge to lower your prices.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. Pricing more affordable insurance coverage coverage is simple if you know the tricks. Although drivers do need to understand how the larger insurance companies market insurance on the web and apply this information to your search.

How to compare insurance quotes

Performing a rate comparison can take time and effort if you don’t know the best way to get rate quotes. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Many insurance companies belong to a marketplace where prospective buyers submit their information once, and every company can give them a price based on that data. This system prevents you from having to do quote requests to every company.

To access this free quoting program, click here (opens in new window).

One minor caviat to using this type of form is you cannot specify which companies you want to price. If you would rather choose from a list of companies for rate comparison, we have a page of the cheapest insurance companies in your area. Click here to view list.

Which method you use is up to you, but try to use nearly identical coverages for each price quote. If you are comparing unequal deductibles or liability limits you will not be able to determine the lowest rate for your Ford E-250. Quoting even small variations in insurance coverages could throw off the whole comparison. Just remember that comparing more quotes helps increase your odds of locating better pricing. Some regional insurers cannot provide price estimates online, so it’s important to also get rates from them, too.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if you may require specific advice.

Do all my vehicles need collision coverage?
Do I have coverage for damage caused while driving under the influence?
Am I getting all the discounts available?
Where can I find DUI or SR-22 insurance?
Am I covered by my spouse’s policy after a separation?
What exactly is covered by my policy?
At what point should I drop full coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage information

Learning about specific coverages of auto insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Ford E-250.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance

Liability coverage provides protection from damage or injury you incur to other’s property or people. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, attorney fees and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, damage from flooding, fire damage, rock chips in glass and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for chiropractic care, prosthetic devices, EMT expenses, surgery and doctor visits. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This will pay to fix damage to your E-250 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.