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Ford E-150 Insurance Rates

Comparing car insurance through online rate quotes can be fast and easy and at the same time you can save money. The most important part is getting rates from all companies in order to accurately compare every option.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of companies offering insurance. There are several ways to get quotes from local car insurance companies. The quickest method to find the cheapest Ford E-150 insurance quotes involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence car insurance premiums?

Car insurance premiums on a Ford E-150 can be significantly different depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Your location impacts rates
  • The number of annual miles
  • Men typically pay more than women
  • The deductible you choose
  • Your vehicle's safety rating
  • Your occupation
  • Your coverage level
  • Whether you rent or own your home

An additional factor that can impact Ford E-150 insurance rates is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the cost to replace them may result in lower rates. On the flip side, more recent Ford vehicles may have safety features like lane departure warning system, a telematics system, and adaptive headlights that may help help offset higher rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability

This coverage will cover damages or injuries you inflict on people or other property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage

This coverage will pay to fix damage to your Ford resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your Ford E-150 can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper Ford E-150 insurance rates.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists are uninsured or don't have enough coverage. 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.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and may carry a deductible.

How Much are Ford E-150 Insurance Rates?