1998 Ford E-350 Insurance Rates

Searching for the cheapest auto insurance rates for your Ford E-350? Are you sick and tired of not being able to afford to make your auto insurance payment? You are no different than many other consumers.

Since people have many companies and agents to choose from, it’s nearly impossible to pick the right company.

Locating cheaper protection is not that difficult. In a nutshell, every vehicle owner who has to buy auto insurance should be able to lower their premiums. But car owners must comprehend how the larger insurance companies market insurance on the web.

Car insurance quotes comparison

Comparing car insurance rates can be a daunting task if you don’t utilize the easiest way. You could waste time discussing policy coverages with local insurance agents in your area, or you can utilize the internet to get the quickest rates.

Many of the larger companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and at least one company returns a competitive quote based on that data. This prevents consumers from doing form submissions for each company you want a rate for.

To compare rates using this form now click here to start a free quote.

The single downside to using this type of system is that you can’t choose which companies you want to price. So if you want to select individual companies to receive pricing from, we have assembled a list of car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but try to keep the exact same coverages and limits on every price quote you get. If you enter different limits and deductibles on each one then you won’t be able to determine which rate is truly the best. Even a minor difference in insurance coverages can make a big difference in price. Keep in mind that comparing all the rates in your area helps locate the best price.

Lower-cost insurance quotes with discounts

Companies that sell car insurance do not list every discount they offer in a way that’s easy to find, so here is a list both well-publicized as well as some of the hidden credits that you can use to lower your rates.

  • Student in College – Children who attend college more than 100 miles from home and do not have a car can receive lower rates.
  • Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you can avoid the installment charge.
  • No Accidents – Insureds with no claims or accidents pay much less when compared with drivers with a long claim history.
  • Discount for Low Mileage – Keeping the miles down on your Ford may enable drivers to earn cheaper prices.
  • ABS Brakes – Vehicles with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
  • Clubs and Organizations – Affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your policy.
  • Driver Training Discounts – Completing a course in defensive driver could possibly earn you a 5% discount and make you a better driver.
  • Early Renewal Discounts – A few insurance companies offer discounts for signing up prior to your current policy expiration. You could save around 10% when you buy car insurance online.
  • No Charge for an Accident – This one is not really a discount per se, but a few companies such as State Farm, Progressive and GEICO permit an accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any amount of discount will bring down your policy cost.

Companies and a partial list of their discounts include:

  • American Family may have discounts that include bundled insurance, early bird, mySafetyValet, defensive driver, and accident-free.
  • Nationwide may offer discounts for multi-policy, Farm Bureau membership, accident-free, easy pay, anti-theft, defensive driving, and family plan.
  • MetLife includes discounts for defensive driver, accident-free, claim-free, multi-policy, and good driver.
  • 21st Century has savings for student driver, 55 and older, automatic seat belts, theft prevention, early bird, and teen driver.
  • Farmers Insurance policyholders can earn discounts including electronic funds transfer, pay in full, good student, business and professional, switch companies, teen driver, and early shopping.
  • Allstate may include discounts for farm vehicle, eSmart discount, multi-policy, new car, premier discount, defensive driver, and FullPay discount.

If you want cheap car insurance quotes, ask each company how many discounts you can get. Discounts might not be available to policyholders in your state. If you would like to view insurance companies who offer online insurance quotes, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you could use an agent’s help.

  • Why do I need rental car insurance?
  • Should I buy only the required minimum liability coverage?
  • Are split liability limits better than a combined single limit?
  • Should I get collision insurance on every vehicle?
  • Is my ex-spouse still covered by my policy?
  • Do I need replacement cost coverage on my 1998 Ford E-350?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Why you might pay higher rates

Smart consumers have a good feel for a few of the rating criteria that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that can help you get better auto insurance rates.

The following are some of the items utilized by car insurance companies to help set rates.

  • Gals tend to cost less – Statistics have proven that females take fewer risks when driving. The data does not necessarily mean that females are better drivers. Both genders cause fender benders at about the same rate, but the males have accidents that have higher claims. They also get more serious tickets like driving under the influence (DUI). Male drivers age 16 to 19 cause the most accidents and thus pay the highest rates.
  • Your address can push rates up or down – Being located in areas with lower population can be 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. Urban drivers tend to have more aggressive driving styles and more severe claims. More time behind the wheel statistically corresponds to a higher accident and claim rate.
  • Your job is a factor – Did you know that where you work can have an impact on rates? Jobs like military generalsair traffic controllers and stock brokers generally pay higher premium rates due to intense work situations and lengthy work days. On the other hand, careers like farmers, historians and homemakers receive lower rates on E-350 insurance.
  • When should you not file a insurance claims? – If you file a lot of claims you can look forward to higher premiums or even policy non-renewal. Auto insurance companies award the lowest premiums to policyholders who are claim-free. Your car insurance is designed for larger claims.

The ad said I’d save $479 a year!

State Farm, GEICO and Progressive consistently run ads on television and other media. All the ads seem to make the promise that people will save after switching to their company. How does every company sell you cheaper insurance coverage?

Companies have an ideal profile for the type of customer that makes them money. For example, this type of driver may need to be between the ages of 40 and 55, has few claims, and drives a vehicle with a low ISO rating. Any driver that hits that “sweet spot” will qualify for the lowest car insurance rates and as a result will probably cut their rates if they switch.

People who don’t measure up to this stringent profile will have to pay higher premium rates and ends up with the driver buying from a lower-cost company. The trick companies use is to say “drivers that switch” not “all people who quote” save that much when switching. This is how companies can make those statements.

Because of these techniques, drivers should get as many free car insurance quotes as possible. It’s impossible to know the company that will be your best fit.

Auto insurance coverages 101

Learning about specific coverages of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as chiropractic care, funeral costs and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, a tree branch falling on your vehicle, a broken windshield, hail damage and theft. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford E-350.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Coverage for liability

This will cover damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for things like medical expenses, legal defense fees, bail bonds and funeral expenses. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your E-350 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Spend less. Save more.

When getting car insurance quotes online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability limits or collision coverage and found out when filing a claim that it was a big mistake. Your objective should be to find the BEST coverage at the best price while still protecting your assets.

We’ve covered many ideas to reduce 1998 Ford E-350 insurance premium rates online. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even find the most savings is with a small mutual company. Some small companies may only write in your state and offer lower prices as compared to the big name companies such as GEICO and State Farm.

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