1992 Ford E-150 Insurance Quotes

Looking for the cheapest insurance rates for your Ford E-150? Tired of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as many other drivers.

Insurance companies such as Allstate, Liberty Mutual and State Farm promote their brand names with ads and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

Ford E-150 rate determination is complex

Consumers need to have an understanding of the factors that help determine the rates you pay for insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Do you work long hours in a high stress job? – Did you know your job can affect your rates? Occupations like real estate brokers, architects and stock brokers tend to have the highest rates in part from job stress and lengthy work days. On the other hand, jobs such as pilots, students and performers receive lower rates on E-150 insurance.
  • Males pay more for insurance – Statistics have proven that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both have accidents in similar percentages, but the men have costlier accidents. Men also statistically get more serious tickets like DUI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive insurance rates.
  • Pleasure use or commuting – The higher the mileage driven in a year’s time the higher your rates will be. Most insurance companies rate vehicles based on how the vehicle is used. Cars and trucks not used for work or commuting receive lower rates than those used for commuting. Improper usage on your E-150 can result in significantly higher rates. Ask your agent if your insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
  • Having a spouse can save you money – Getting married can get you a discount on your policy. Having a significant other translates into being more mature and statistics show drivers who are married are more cautious.
  • Your age impacts your rates – Teen drivers tend to be less responsible in a vehicle so insurance rates are higher. Mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the protection when you are found to be at fault for damages caused by your negligence. Liability provides legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • High deductibles save money – The deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered would be colliding with a building, vandalism, or theft. The more the insured has to pay upfront, the less your company will charge you for insurance on E-150 insurance.

Auto Insurance Quote Comparison

To find the best auto insurance prices, there are several ways of comparing rates from different insurance companies. The easiest way to compare 1992 Ford E-150 insurance prices involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

  1. The easiest and least time consuming way to get quotes would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing separate forms to each individual auto insurance company. A single, simple form will return quotes instantly.
  2. A more time consuming way to compare rate quotes consists of going to each company’s website to request a price quote. For example, let’s assume you want comparison quotes from GEICO, 21st Century and Allstate. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The least recommended way to get comparison rates is to spend your day driving to local insurance agencies. Buying insurance online makes this process obsolete unless you have a need for the professional guidance that only a license agent can provide. Drivers can comparison shop your insurance online but still have the advice of a local agent and we’ll talk about that later.

Whichever way you use, be sure to compare apples-to-apples coverage information with each company. If you are comparing different deductibles you will not be able to decipher which rate is best. Slightly different coverage limits can result in a big premium difference. And when comparing auto insurance rates, know that comparing a large number of companies helps you find lower pricing.

Discounts are available to cut your rates

Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so here is a list some of the best known as well as the least known insurance coverage savings.

  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less on E-150 insurance than drivers with accidents.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you will save up to 20% off your total premium.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Sign Online – A few companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Safety Course Discount – Taking a driver safety course could save 5% or more if your company offers it.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.

Companies that may offer these discounts include:

Before buying, ask every prospective company how you can save money. All car insurance discounts may not be available everywhere.

Everyone needs different coverages

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs may require specific advice.

  • Do I need PIP coverage since I have good health insurance?
  • Is my dog or cat covered if injured in an accident?
  • Is a fancy paint job covered?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How does medical payments coverage work?
  • How do I buy GAP insurance?
  • Will my insurance pay for OEM parts?
  • Does coverage extend to a rental car in a foreign country?
  • What happens if I owe more than my 1992 Ford E-150 is worth?
  • Is my teenager covered with friends in the car?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

The coverage is in the details

Understanding the coverages of your insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Protection from uninsured/underinsured drivers – This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford E-150.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for immediate expenses such as prosthetic devices, nursing services and X-ray expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

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

Collision can pay for things such as sustaining damage from a pot hole, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance – This can cover injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical expenses, court costs, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Knowledge is power

You just learned a lot of techniques to shop for 1992 Ford E-150 insurance online. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced insurance comes from a smaller regional carrier. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Discount insurance can be purchased from both online companies as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

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