Cheap 1997 Ford E-350 Car Insurance Rates

Purchasing the lowest price insurance online can appear to be overwhelming for beginners to buying their insurance over the internet. With literally dozens of companies, how are vehicle owners expected to efficiently compare every one to find better rates?

It’s a good habit to compare prices quite often since insurance prices tend to go up over time. Even if you think you had the lowest rate on E-350 insurance at your last renewal the chances are good that you can find a lower premium rate today. You’ll find a ton of advice on insurance online, but in just a couple of minutes you can learn some excellent ideas to lower your insurance rates.

If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. This article will help educate you on the best way to quote coverages and some tricks to saving. Nevertheless, car owners benefit from understanding the way companies sell online and use this information to your advantage.

Compare insurance price quotes

The are a couple different ways to obtain and compare prices from many insurance companies in your state. The fastest way to comparison shop is simply to get online rate quotes. This can be done using a couple different methods.

  • The most efficient way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing repetitive form entry for every company. Just one form gets you price quotes from all major companies. It’s the fastest way to compare.
  • A more time consuming way to find better pricing consists of going to the website for each individual company and fill out their own quote form. For examples sake, let’s say you want to compare GEICO, Safeco and Travelers. To do that, you would have to spend time on each company’s site and repeatedly enter your information, and that explains why we recommend the first method. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using equivalent coverage limits for every quote you compare. If you have differing limits it will be nearly impossible to determine which rate is truly the best. Just a small difference in coverages could throw off the whole comparison. And when comparing insurance rates, know that comparing more rates from different companies helps improve the odds of finding a lower rate than you’re paying now. Some regional insurers cannot provide rate quotes online, so it’s important to also get quotes from them, too.

Cheaper insurance quotes with discounts

Not many people think insurance is cheap, but there could be significant discounts that may help make it more affordable. Some discounts will apply at the time of purchase, but once in a while a discount must be asked for before being credited.

  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a lower price if you buy a life policy as well.
  • E-sign – Many companies give back up to $50 for buying a policy and signing up over the internet.
  • Federal Government Employee – Employees or retirees of the government may qualify for a discount when you quote auto insurance on E-350 insurance depending on your company.
  • Professional Organizations – Joining a civic or occupational organization may earn a discount when getting a auto insurance quote.
  • Accident Free – Insureds who avoid accidents and claims can save substantially as compared to drivers who are more careless.
  • Student Discount for Driver Training – Require your teen driver to complete a driver education course in high school.

Discounts lower rates, but most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works. But any discount will definitely reduce your overall premium however.

A few of the larger companies and a summarized list of policyholder discounts include:

  • State Farm discounts include multiple policy, passive restraint, multiple autos, accident-free, and student away at school.
  • American Family policyholders can earn discounts including defensive driver, Steer into Savings, accident-free, air bags, good student, TimeAway discount, and multi-vehicle.
  • GEICO may offer discounts for emergency military deployment, driver training, anti-theft, air bags, five-year accident-free, military active duty, and defensive driver.
  • 21st Century offers premium reductions for teen driver, driver training, student driver, theft prevention, and anti-lock brakes.
  • Progressive may have discounts that include multi-policy, good student, online signing, homeowner, and continuous coverage.

If you need the cheapest auto insurance quotes, ask each insurance company how you can save money. All car insurance discounts might not be offered in your area.

Smart consumers can reduce insurance rates

Lots of things are part of the equation when quoting car insurance. Some factors are common sense such as your driving history, although some other factors are less apparent like where you live or your vehicle rating.When buying auto insurance it’s important to understand some of the things that aid in calculating your premiums. When you know what positively or negatively determines premiums, this enables informed choices that can earn you big savings.

The factors shown below are a few of the “ingredients” used by your company to calculate your premiums.

  • Qualify for multi-policy discounts – Most insurers allow discounts to policyholders who carry more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount it’s always a smart idea to compare other insurance prices to confirm you are receiving the best rates possible. It’s possible to still find better rates by buying auto insurance from a different company.
  • Optional features impact prices – Driving a car with advanced anti-theft systems can help lower your premiums. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft and help bring rates down.
  • Liability limits are a factor – Your auto insurance policy’s liability coverage kicks in in the event that a jury decides you are liable for damages from an accident. Liability provides legal defense coverage to attempt to prove you were not liable. Liability is cheap when compared to the cost of physical damage coverage, so do not cut corners here.
  • Get better rates if married – Walking down the aisle helps lower the price on your policy. Having a spouse may mean you are more responsible and statistics show married drivers get in fewer accidents.
  • Where you reside can impact premiums – Residing in areas with lower population can save you money when trying to find low car insurance rates. Urban drivers tend to have traffic congestion and more time behind the wheel. Fewer people translates into fewer accident claims as well as less vandalism and auto theft.
  • Annual miles is a factor – The higher the mileage driven every year the more you’ll pay to insure it. Many insurance companies charge rates based upon how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Verify your auto insurance policy reflects the right rating data, because it can save money. An incorrectly rated E-350 can cost quite a bit.
  • Policy add-ons may not be needed – Insurance policies have a lot of additional extra coverages that you can get tricked into buying when buying auto insurance. Insurance for replacement cost coverage, accident forgiveness, and extra equipment coverage may not be needed and are just wasting money. The coverages may be enticing initially, but now you might not need them so consider taking them off your policy.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

For example, these questions can help discover if your insurance needs might need professional guidance.

  • What is covered by UM/UIM coverage?
  • Should I rate my 1997 Ford E-350 as pleasure use or commute?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I drive in Mexico and have coverage?
  • Does having multiple vehicles earn me a discount?
  • Do I need replacement cost coverage on my 1997 Ford E-350?
  • Should I buy only the required minimum liability coverage?
  • What are the best liability limits?
  • What can I do if my company denied a claim?
  • Am I missing any policy discounts?

If you’re not sure about those 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, simply complete this short form.

Car insurance coverage information

Understanding the coverages of insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability – This coverage can cover damage that occurs to people or other property. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical services, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Collision coverage – This pays for damage to your E-350 caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, vandalism, damage from flooding, falling objects and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for prosthetic devices, rehabilitation expenses, funeral costs, hospital visits and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your 1997 Ford E-350.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Don’t be a big spender

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where someone sacrificed uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your goal is to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

Some insurance providers do not provide the ability to get a quote online and usually these regional carriers prefer to sell through independent insurance agencies. Lower-priced auto insurance can be sourced on the web and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates.

Insureds switch companies for a variety of reasons including denial of a claim, being labeled a high risk driver, not issuing a premium refund or questionable increases in premium. It doesn’t matter why you want to switch switching companies is not as hard as you think.

Additional auto insurance information can be found on the following sites: