How Much Does 1991 Ford E-150 Car Insurance Cost?

Want lower insurance coverage rates for your Ford E-150? Trying to find low-cost insurance for your Ford E-150 could be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to buy insurance coverage and you need to know the proper way to compare rates for a Ford and find the best price possible either online or from local insurance agents.

The quickest way to compare rates utilizes the fact most insurance companies pay for the opportunity to quote your coverage. The only thing you need to do is provide details like any included safety features, if a SR-22 is required, if you went to college, and whether you have decent credit. That rating data is submitted instantly to multiple insurance providers and they respond with quotes instantly.

If you would like to compare rates now, click here and enter the information requested.

Don’t overlook these car insurance discounts

Car insurance companies don’t always publicize all disounts very well, so we researched a few of the more well known and also the lesser-known savings tricks you should be using when you buy insurance coverage online.

• Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you could save at least 10 to 15 percent or more.
• Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10% on E-150 insurance.
• Good Drivers – Drivers who avoid accidents could pay up to 40% less on E-150 insurance than drivers with accidents.
• Waiver for an Accident – Not a discount per se, but some companies like State Farm, Progressive and Geico may permit one accident before they charge you more for coverage if you are claim-free prior to being involved in the accident.
• Paper-free Discount – Certain car insurance companies may give you up to $50 shop insurance coverage digitally online.

As a sidenote, most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, nobody gets a free ride.

If you would like to see a list of insurers who offer discounts, follow this link.

When to get professional advice

When buying coverage, there is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can aid in determining if you will benefit from professional help.

• Is business property covered if stolen from my car?
• Do I have coverage when making deliveries for my home business?
• Do I need medical payments coverage since I have good health insurance?
• How high should my uninsured/underinsured coverage be in my state?
• How much underlying liability do I need for an umbrella policy?
• Do I need to file an SR-22 for a DUI in my state?
• Am I insured when driving a different vehicle?
• Can I still get insurance after a DUI?
• Does coverage extend to Mexico or Canada?
• Does insurance cover tools stolen from my truck?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

What auto insurance coverages do you need?

Knowing the specifics of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

UM/UIM Coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford E-150.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, driving through your garage door, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability coverage

This coverage will cover injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

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. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as structural damage, legal defense fees, repair costs for stationary objects, loss of income and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. 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 hitting a bird, damage from a tornado or hurricane, hitting a deer and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses like prosthetic devices, rehabilitation expenses, hospital visits, funeral costs and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible