How Much Does 1990 Ford E-150 Insurance Cost?

Looking for lower auto insurance rates for your Ford E-150? Finding low-cost insurance for your Ford E-150 can normally be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.

There are both good and bad ways to find auto insurance online and we’ll show you the best way to compare rates for your Ford and find the lowest price either online or from local insurance agents.

It’s a great practice to take a look at other company’s rates at least once a year due to the fact that insurance rates go up and down regularly. Even if you got the lowest rates for E-150 insurance last year other companies may now be cheaper. So forget all the misinformation about auto insurance because you’re going to get a crash course in the only way to save on auto insurance.

Finding affordable coverage is simple if you know the tricks. If you have insurance now or need new coverage, you can use this information to find the best rates and still get good coverage. Drivers just need to learn the proper methods to compare company rates over the internet.

How to Lower Your Auto Insurance Cost

Most major insurance companies quote price estimates directly from their websites. Getting online quotes doesn’t take much effort as you simply type in the coverage amounts you desire as requested by the quote form. Once you submit the form, their rating system pulls reports for credit and driving violations and returns a price based on these and other factors.

Being able to quote online makes it a lot easier to compare rates but the time it takes to visit different websites and complete many quote forms can get tiresome after awhile. But it’s very important to compare as many rates as possible in order to find the lowest auto insurance rates.

There is a better way to compare rates

The preferred way to compare auto insurance pricing makes use of a single form to get prices from a lot of companies. It saves time, requires much less work on your part, and makes rate comparisons much more efficient. Once the form is submitted, it is rated with multiple companies and you can pick any one of the pricing results.

If a lower price is quoted, you can click and sign and buy the policy. It takes 15 minutes at the most and you will find out if you’re overpaying now.

If you want to find out how much you can save on auto insurance, click here and fill out the form. If you have your current policy handy, we recommend you replicate your coverages identical to your current policy. Using the same limits helps guarantee you will get an apples-to-apples comparison for the exact same coverage.

Lots of discounts mean lots of savings

The price of auto insurance can be rather high, but you can get discounts that you may not know about. A few discounts will automatically apply when you quote, but less common discounts must be specifically requested before they will apply. If you don’t get every credit possible, you’re just leaving money on the table.

  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for E-150 insurance than their less cautious counterparts.
  • College Student – Youth drivers who live away from home and don’t have a car can be insured at a reduced rate.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Passive Restraints – Vehicles equipped with air bags may earn rate discounts up to 30%.
  • Homeowners Pay Less – Owning a home may trigger a insurance coverage policy discount because maintaining a house shows financial diligence.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company could earn a price break for each car.
  • Military Rewards – Being deployed with a military unit can result in better rates.

It’s important to understand that most discounts do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will help reduce the cost of coverage.

Companies who might offer these money-saving discounts may include but are not limited to:

Double check with all companies you are considering which discounts you may be entitled to. Savings might not apply everywhere.

Situations that might require an agent

When buying adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • Should I rate my 1990 Ford E-150 as pleasure use or commute?
  • Am I covered if I hit a deer?
  • Do I benefit by insuring my home with the same company?
  • Can I rent a car in Mexico?
  • Where can I find high-risk insurance?
  • Will my rates increase for filing one claim?
  • Should I buy full coverage?
  • Is my state a no-fault state?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

These factors can influence Ford E-150 insurance rates

Consumers need to have an understanding of the different types of things that come into play when calculating your insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get lower insurance prices.

  • Where you reside plays a part – Living in a rural area can be a good thing when buying insurance. Lower population means fewer accidents and also fewer theft and vandalism claims. Urban drivers tend to have much more traffic to deal with and a longer drive to work. Longer commute distances translates into higher accident risk.
  • No coverage gaps is important – Not having insurance is a misdemeanor and insurance companies will penalize you for letting your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance will get you a revoked license or a big fine.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Lower deductibles cost more – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Ford from damage. Examples of covered claims are collision with another vehicle, vandalism, or theft. Your deductibles are the amount of money you are willing to pay in the event of a claim. The more money you’re willing to pay, the less your company will charge you for insurance for E-150 insurance.
  • Older drivers save more – Teen drivers are known to be careless and easily distracted when behind the wheel so they pay higher insurance rates. Older insureds are more cautious drivers, file fewer claims and get fewer tickets.

The auto insurance bait and switch

Consumers get pounded daily by advertisements for car insurance savings by State Farm and Allstate. They all make an identical promise that you can save after switching to their company.

But how can every company make the same claim?

Insurance companies are able to cherry pick for the type of driver that is profitable for them. For example, a driver they prefer could possibly be over the age of 50, is a homeowner, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will get very good rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t measure up to this ideal profile will be charged a higher premium and ends up with business going elsewhere. The ad wording is “customers that switch” but not “drivers who get quotes” save money. This is how insurance companies can state the savings.

That is why it’s extremely important to compare as many rates as you can. It is impossible to predict which company will give you the biggest savings on Ford E-150 insurance.

The coverage is in the details

Having a good grasp of car insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision – Collision coverage covers damage to your E-150 caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, scraping a guard rail, damaging your car on a curb, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Liability auto insurance – Liability coverage protects you from damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, funeral expenses and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for bills for things like prosthetic devices, hospital visits and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford E-150.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, fire damage, damage from a tornado or hurricane and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Compare but don’t skimp

Lower-priced 1990 Ford E-150 insurance is definitely available from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not offer the ability to get a quote online and these small insurance companies work with independent agents.

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone dropped full coverage to discover at claim time that it was a big mistake. Your strategy should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Insureds who switch companies do it for many reasons like policy cancellation, high rates after DUI convictions, unfair underwriting practices and even policy non-renewal. No matter why you want to switch, switching companies is less work than it seems.

To learn more, feel free to visit these articles: