Save on 1998 Ford E-150 Insurance Quotes

Looking for better insurance rates for your Ford E-150? Being forced to pay for overpriced insurance premiums can bleed your savings and require stricter spending habits. Comparing price quotes can be a smart way to cut your insurance bill.

Many insurers vie for your hard-earned dollar, so it can be very hard to choose a company to find the lowest price

Drivers save money with these discounts

Insurance coverage is not inexpensive, but there may be some discounts that you may not know about. Many discounts should be triggered when you get a quote, but some discounts are required to be inquired about before you get the savings.

  • Full Payment Discount – If you pay your entire premium ahead of time instead of paying each month you can avoid the installment charge.
  • Resident Student – Children who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
  • Include Life Insurance and Save – Insurance carriers who offer life insurance give a break if you buy some life insurance too.
  • Discount for Passive Restraints – Factory options such as air bags or motorized seat belts can get savings of more than 20%.
  • Buy New and Save – Insuring a vehicle that is new may earn a small discount due to better safety requirements for new model year vehicles.
  • Professional Memberships – Being in qualifying employment or professional organizations could trigger savings on your policy.
  • 55 and Retired – Drivers over the age of 55 may qualify for a discount up to 10% on E-150 insurance.
  • Theft Prevention Discount – Cars with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Claim Free – Good drivers with no accidents can earn big discounts as compared to drivers with a long claim history.

Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

Popular insurance coverage companies and a selection of discounts are detailed below.

  • Farm Bureau may have discounts that include youthful driver, renewal discount, good student, driver training, and multi-vehicle.
  • MetLife has savings for claim-free, good student, defensive driver, accident-free, good driver, multi-policy
  • Progressive may include discounts for online signing, multi-policy, multi-vehicle, good student, continuous coverage, homeowner, and online quote discount.
  • AAA offers premium reductions for multi-car, good student, anti-theft, pay-in-full, and education and occupation.
  • American Family may offer discounts for Steer into Savings, mySafetyValet, early bird, multi-vehicle, good driver, accident-free, and defensive driver.
  • GEICO offers discounts for air bags, military active duty, multi-policy, defensive driver, membership and employees, and anti-lock brakes.
  • State Farm offers discounts including student away at school, Drive Safe & Save, multiple autos, defensive driving training, and good driver.

Double check with each insurance company to apply every possible discount. Some credits may not be available in your area. To view providers with discount rates, click here to view.

Special considerations

When it comes to buying proper insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you may require specific advice.

  • Can I get a multi-policy discount?
  • Do I need replacement cost coverage on my 1998 Ford E-150?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered by my spouse’s policy after a separation?
  • At what point should I drop full coverage?
  • Should I buy only the required minimum liability coverage?
  • Will my rates increase for filing one claim?
  • Is business equipment covered while in my vehicle?
  • Is my 1998 Ford E-150 covered for smoke damage?
  • Is a fancy paint job covered?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Specific coverages for a 1998 Ford E-150

Understanding the coverages of car insurance can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most car insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle and rock chips in glass. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills such as pain medications, ambulance fees and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance pays for damage to your E-150 from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, scraping a guard rail, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1998 Ford E-150.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability car insurance

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as medical services, repair bills for other people’s vehicles, emergency aid, pain and suffering and court costs. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Be a penny pincher

Cheap 1998 Ford E-150 insurance is definitely available online and from local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some companies may not provide online quoting and many times these small, regional companies work with local independent agents.

As you quote car insurance, never buy poor coverage just to save money. There have been many situations where drivers have reduced physical damage coverage only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest price.

More tips and info about auto insurance is located in the articles below: