1998 Ford E-350 Insurance Quotes – 6 Savings Tips

Trying to find better car insurance rates for your Ford E-350? Paying for pricey Ford E-350 insurance can bleed your savings and maybe even restrict other spending. Shopping your coverage around is an excellent way to make sure you’re not throwing money away.

Since you have so many companies to choose from, it can be challenging to locate a lower cost car insurance provider.

Take these six policy discounts and save

Auto insurance is not an enjoyable expense, but discounts can save money and there are some available that could help you make your next renewal payment. Some discounts will apply at the time of quoting, but some must be manually applied prior to receiving the credit.

• Theft Deterent Discount – Cars optioned with advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
• Switch and Save Discount – Some insurance companies provide a discount for signing up before your current policy expires. This can save 10% or more.
• Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies will forgive one accident without the usual rate increase so long as you are claim-free prior to the accident.
• Membership in Organizations – Being in a civic or occupational organization is a simple method to lower premiums when shopping for auto insurance.
• More Vehicles More Savings – Buying a policy with more than one vehicle with the same auto insurance company can reduce the rates for all insured vehicles.
• Senior Discount – If you qualify as a senior citizen, you can get a small decrease in premiums for E-350 coverage.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think you can get free auto insurance, nobody gets a free ride.

Some of the insurance companies that have most of these discounts possibly include:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

If you need affordable insurance quotes, ask each company or agent to give you their best rates. Some of the discounts discussed earlier may not be available in your area. If you would like to choose from a list of companies with significant discounts, click here to view.

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Shop insurance online

There are a variety of methods you can shop for insurance and some are less time-consuming than others. You can spend your afternoon driving to insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Most major companies are enrolled in a marketplace where insurance shoppers complete one form, and each company can give them a price based on that data. This system prevents you from having to do quotation requests for every insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one disadvantage to getting quotes like this is you cannot specify which insurance companies you will receive quotes from. If you would rather choose specific insurance companies to receive pricing from, we have a listing of insurance companies in your area. Click to view list.

Which method you use is up to you, but be sure you’re using the same coverage limits and deductibles with each company. If you are comparing differing limits it will be next to impossible to determine the best price for your Ford E-350. Having just a slight variation in insurance coverages can make a big difference in price. And when price shopping your coverage, more quotes will enable you to find the best price. Some insurance companies are not set up to provide online quotes, so it’s recommended that you also compare rates on coverage from those companies, too.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

• Are all vehicle passengers covered by medical payments coverage?
• What are the best liability limits?
• Am I covered if I hit my neighbor’s mailbox?
• What exactly is covered by my policy?
• Can my babysitter drive my car?
• When should I buy a commercial auto policy?
• Can my teen driver be rated on a liability-only vehicle?
• Are rental cars covered under my policy?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Coverage specifics

Understanding the coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Coverage for liability

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, medical services, legal defense fees and pain and suffering. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, damage from flooding, damage from getting keyed and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, 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 protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford E-350.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, sustaining damage from a pot hole, hitting a parking meter, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for things like ambulance fees, doctor visits and pain medications. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

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Take this to the bank

We’ve covered many ideas to lower your 1998 Ford E-350 insurance premium rates. It’s most important to understand that the more price quotes you have, the better likelihood of getting cheaper insurance. You may even discover the lowest premium rates come from some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

Affordable 1998 Ford E-350 insurance can be found online in addition to many insurance agents, and you should compare rates from both to have the best selection. Some insurance providers do not provide online rate quotes and most of the time these smaller providers only sell coverage through independent agents.

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. There are too many instances where consumers will sacrifice physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

Additional detailed information is located by following these links:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)

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