View 1998 Ford E-250 Insurance Rates

Comparing and finding more affordable prices for car insurance can seem to be challenging for drivers new to online comparison shopping. With so many insurance agents and companies competing online, it can turn into a big hassle to compare prices.

How to buy insurance coverage online

To get affordable insurance coverage quotes, there a variety of ways to compare prices from lots of insurance coverage companies. The easiest way to lower the rate you pay for Ford E-250 insurance is to jump online and get quotes. It is quite easy and can be accomplished using a couple different methods.

  1. One of the best ways to get quotes is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating boring form submissions for every prospective company. Taking the time to complete one form gets coverage cost estimates from many national carriers. Just one form and you’re done.
  2. A less efficient way to analyze rates consists of going to the website for every company you want to comare to request a price quote. For examples sake, we’ll assume you want to see prices from State Farm, Esurance and Allstate. To find out each rate you need to visit each site and repeatedly enter your information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

The approach you take is up to you, just make sure you are using exactly the same coverage limits for each comparison quote. If you are comparing unequal deductibles or liability limits you will not be able to decipher which rate is best. Having just a slight variation in insurance coverages or limits can result in a big premium difference. Keep in mind that comparing a wide range of rates helps locate lower pricing.

Which policy gives me the best coverage?

When buying the right insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that might point out if you might need professional guidance.

  • Where can I find DUI or SR-22 insurance?
  • Do I really need UM/UIM coverage?
  • How much can I save by bundling my policies?
  • What companies insure drivers after a DUI or DWI?
  • When should my teen driver be added to my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Specific coverages for a Ford E-250

Knowing the specifics of insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Ford E-250.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are set the same as your liablity limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills like nursing services, chiropractic care, hospital visits, dental work and EMT expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

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. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like loss of income, medical expenses, legal defense fees, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Collision insurance

This coverage pays for damage to your E-250 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, damage from getting keyed, falling objects and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.