1996 Ford E-350 Insurance Quotes

Are you frustrated by the crazy number of insurance choices in your area? Lot’s of other people are too. You have so many choices that it can really be more work than you anticipated to find the lowest price.

Cheapest insurance price quotes

There are multiple methods you can shop for insurance but one way is less time-consuming than others. You can spend countless hours talking about coverages with insurance companies in your area, or you can utilize online quoting to get rate comparisons in just a few minutes.

Many companies belong to a marketplace where prospective buyers submit their information once, and at least one company provides a quote based on that data. This eliminates the need for quotation requests to every company.

To find out how much you can save on insurance click here (opens in new window).

The only drawback to pricing coverage this way is that consumers can’t choose which carriers you will receive quotes from. If you prefer to choose specific insurance companies for rate comparison, we have a page of insurance companies in your area. Click here to view list.

Whichever method you choose, make sure you use nearly identical coverage data for each price quote. If the quotes have unequal deductibles or liability limits it will be next to impossible to make a fair comparison for your Ford E-350. Having just a slight variation in insurance coverages or limits could throw off the whole comparison. And when quoting insurance, remember that comparing more rates from different companies provides better odds of finding a better price. Some insurance companies are not set up to provide price estimates online, so you should also compare rates from those companies as well.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions may help highlight if you could use an agent’s help.

• What exactly is covered by my policy?
• Am I covered when driving on a suspended license?
• What if I don’t agree with a claim settlement offer?
• Should I rate my 1996 Ford E-350 as pleasure use or commute?
• Is there coverage for injuries to my pets?
• Should I get collision insurance on every vehicle?
• When should I drop full coverage on my 1996 Ford E-350?
• Does having multiple vehicles earn me a discount?
• Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance 101

Understanding the coverages of car insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, hitting a deer and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your 1996 Ford E-350.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, hitting a parking meter, hitting a mailbox, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Coverage for liability

This coverage protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like pain and suffering, emergency aid and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses like EMT expenses, funeral costs, hospital visits and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage