1997 Ford E-350 Car Insurance Quotes

Having to pay for high-priced insurance coverage can stress out your savings account and force you to make sacrifices. Comparing price quotes is a smart way to lower your monthly bill.

There are many car insurance companies to choose from, and although it’s nice to be able to choose, too many choices makes it more difficult to find the best rates for your vehicles.

Locating more affordable auto insurance can be fairly easy. Basically, every vehicle owner who carries auto insurance will most likely be able to cut their insurance bill. Although consumers should learn the way companies sell insurance online.

How to compare free insurance coverage quotes

Most larger insurance companies such as State Farm and Allstate allow consumers to get prices for coverage on their websites. Doing online quotes is fairly simple as all you need to do is type in the coverage amounts you desire on the page. After the form is submitted, the system automatically orders your driving and credit reports and gives you a price quote based on these factors. This simplifies rate comparisons, but the process of having to visit each company’s website and repetitively complete many quote forms is a waste of time. Unfortunately, it is important to do this in order to find better prices.

Quote rates the easy way

A more efficient way to get multiple rate quotes requires only one form to return rates from a lot of companies. It saves time, eliminates form submissions, and makes online shopping a little more enjoyable. After sending your information, your coverage is rated and you can select any or none of the quotes returned.

If you find a better price you can simply submit the application and buy the new coverage. It only takes a few minutes and could lower your rates considerably.

To compare rates now, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you copy coverages and limits identical to your current policy. This guarantees you will get comparison quotes based on the exact same insurance coverage.

Lower your insurance coverage rates with discounts

Companies do not advertise the complete list of policy discounts very well, so we researched a few of the more common and the more hidden discounts you could be receiving when you buy auto insurance online. If you aren’t receiving every discount available, you are just wasting money.

• Memberships – Affiliation with qualifying employment or professional organizations is a simple method to lower premiums when shopping for insurance coverage.
• Military Discounts – Being on active deployment in the military could mean lower insurance coverage rates.
• Multi-line Discount – Larger companies have a break if you buy auto and life insurance together.
• College Student – Children who are attending college and don’t have a car can be insured at a reduced rate.
• Student Discount for Driver Training – Have your child complete a driver education course if it’s offered in school.
• Policy Bundle Discount – If you insure your home and vehicles with one insurance company you may save at least 10% off all policies.
• Save over 55 – If you qualify as a senior citizen, you are able to get a discount up to 10% on E-350 coverage.
• Driving Data Discount – Drivers who agree to allow driving data submission to monitor driving patterns through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates as long as they are good drivers.
• Waiver for an Accident – but a handful of insurance companies permit an accident before raising your premiums with the catch being you have to be claim-free for a particular time prior to the accident.
• Discounts for Responsible Drivers – Insureds without accidents can save as much as half off their rates on E-350 coverage than their less cautious counterparts.

You can save money using discounts, but most credits do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think it’s possible to get free car insurance, nobody gets a free ride.

Large insurance coverage companies and their possible discounts are detailed below.

• State Farm offers discounts for safe vehicle, student away at school, multiple autos, anti-theft, accident-free, and Steer Clear safe driver discount.
• Geico has savings for emergency military deployment, seat belt use, anti-lock brakes, good student, and military active duty.
• Allstate offers discounts including defensive driver, passive restraint, safe driver, senior citizen, new car, and premier plus.
• SAFECO includes discounts for multi-car, homeowner, anti-lock brakes, teen safe driver, teen safety rewards, anti-theft, and safe driver.
• Farm Bureau may have discounts that include renewal discount, youthful driver, multi-vehicle, multi-policy, safe driver, driver training, and 55 and retired.
• Progressive policyholders can earn discounts including good student, multi-policy, multi-vehicle, homeowner, and continuous coverage.
• AAA offers premium reductions for multi-policy, anti-theft, multi-car, good student, and education and occupation.

Before you buy a policy, ask every prospective company the best way to save money. A few discounts might not apply in your area. To find insurance companies that offer discounts, follow this link.

You are unique and your insurance should be too

When it comes to buying coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out whether you may require specific advice.

• Is business property covered if stolen from my car?
• Where can I find high-risk insurance?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Does coverage extend to Mexico or Canada?
• Should I sign the liability waiver when renting a car?
• Does my 1997 Ford E-350 qualify for pleasure use?
• Can I afford to buy a different vehicle if my 1997 Ford E-350 is totaled?
• Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance 101

Understanding the coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like funeral costs, ambulance fees, surgery, EMT expenses and X-ray expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage 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 can pay for claims like rolling your car, damaging your car on a curb, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage

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

Comprehensive insurance covers claims like hail damage, a tree branch falling on your vehicle and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

This provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like medical expenses, emergency aid and bail bonds. How much coverage you buy is up to you, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford E-350.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these limits are identical to your policy’s liability coverage.