1995 Ford E-150 Insurance Quotes – 8 Tips for Best Rates

Paying cheaper rates for insurance is always kind of frustrating for drivers who are new to online rate comparisons. There are so many choices that it can turn into a burden to find the perfect company for you.

How to get insurance coverage price quotes

When looking for low cost insurance coverage quotes, there are a couple ways to compare prices from many insurance coverage companies in your state. The best method to find affordable Ford E-150 insurance rates consists of shopping online. This is quite simple and can be completed in several different ways.

1. The recommended way consumers can analyze rates is to use a rate comparison form click to view form in new window. This quick form keeps you from doing separate forms for every insurance coverage company. Taking the time to complete one form compares rates from many national carriers. This is by far the quickest method.
2. A slightly less efficient method to shop for insurance coverage online requires a trip to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, we’ll pretend you want to view quotes from Nationwide, Liberty Mutual and GMAC. In order to compare rates, you need to go to every website and enter your policy data, and that explains why we recommend the first method.

   For a list of links to insurance companies in your area, click here.

Whichever method you choose, compare exactly the same deductibles and coverage limits for each comparison quote. If you compare different values for each quote it will be very difficult to truly determine the lowest rate. Even a minor difference in insurance coverages could throw off the whole comparison. And when comparing insurance coverage rates, know that more quotes helps locate a lower rate than you’re paying now. Not every company does price estimates online, so you need to compare price quotes on coverage from those companies, too.

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Reduce your insurance rates with these eight discounts

Some providers don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so the next list breaks down both the well known in addition to some of the lesser obvious credits available to bring down your rates. If you do not double check each discount available, you’re paying more than you need to.

• Drivers Ed for Students – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
• More Vehicles More Savings – Having primary and secondary vehicles with one company qualifies for this discount.
• College Student Discount – Kids living away from home attending college and don’t have a car may be able to be covered for less.
• Include Life Insurance and Save – If the company offers life insurance, you could get a discount if you purchase a life insurance policy as well.
• Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you could save up to 5%.
• Sign Online – Some insurance companies may give you up to $50 for signing up digitally online.
• Claim Free – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote when compared to drivers who are more careless.
• Discount for Good Grades – Excelling in school can earn a discount of 20% or more. You can use this discount normally up to age 25.

A quick disclaimer, most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you can get free auto insurance, you’re out of luck.

Companies that may include these money-saving discounts include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

When getting a coverage quote, ask each company to give you their best rates. Some of the discounts discussed earlier may not apply to policyholders in your state. If you would like to choose from a list of insurance companies that offer the discounts shown above, click here.

You are unique and your insurance should be too

When buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

• Do I need added coverage for expensive stereo equipment?
• If my 1995 Ford E-150 is totaled, can I afford another vehicle?
• When would I need additional glass coverage?
• Can my teen drive my company car?
• Do I have coverage for damage caused while driving under the influence?
• What is PIP insurance?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I have coverage when pulling a U-Haul trailer?
• When should my teen driver be added to my policy?
• Is motorclub coverage worth it?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

Information about specific coverages

Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Liability car insurance

Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as medical services, legal defense fees, structural damage and bail bonds. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, damage from a tornado or hurricane, theft, hitting a bird and vandalism. The most your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

This coverage pays for damage to your E-150 resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Ford E-150.

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. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like ambulance fees, hospital visits, prosthetic devices and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

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Make an honest buck

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There have been many situations where an insured cut collision coverage only to discover later that it was a big error on their part. Your objective should be to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.

Drivers switch companies for a variety of reasons including policy cancellation, not issuing a premium refund, delays in paying claims and even an unsatisfactory settlement offer. Regardless of your reason, finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

We covered some good ideas how to get a better price on 1995 Ford E-150 insurance. The key concept to understand is the more companies you get rates for, the better likelihood of getting affordable insurance coverage. Drivers may discover the lowest prices come from a lesser-known regional company.

Additional information can be found at the links below

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• What is Covered by GAP Insurance? (Allstate)
• Medical Payments Coverage (Liberty Mutual)
• Determing Auto Insurance Rates (Geico)

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