Cheaper 1996 Ford E-350 Insurance Rates

Consumers have a choice when looking for affordable Ford E-350 insurance. They can either waste time driving around trying to get quotes or use the internet to make rate comparisons.

There is a better way to shop for insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Ford and find the best price possible from local insurance agents and online providers.

It’s a great practice to compare rates at least once a year because rates are rarely the same from one policy term to another. Even if you think you had the best price on E-350 coverage six months ago you may be paying too much now. Don’t believe everything you read about insurance on the web, but we’re going to give you a lot of great tips on how to save money.

The purpose of this post is to instruct you on the most effective way to quote insurance. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Drivers just need to know the proper way to buy auto insurance over the internet.

Why your Ford E-350 insurance rates may be high

Consumers need to have an understanding of the rating factors that go into determining the price you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

Listed below are some of the items that factor into prices.

  • Bad driving skills means higher rates – Drivers with clean records get better rates than their less careful counterparts. Only having one moving violation may increase your cost twenty percent or more. Drivers who have dangerous citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Your location affects your rates – Residing in less populated areas is a positive aspect when talking about auto insurance. Less people living in that area translates into fewer accidents and a lower car theft rate. City drivers have more traffic problems and longer commutes to work. More time commuting translates into higher accident risk.
  • A lapse in coverage is a bad thing – Not having insurance is against the law and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, but being ticketed for driving with no insurance will get you a steep fine or even jail time.You may need to prove you have insurance by filing a SR-22 with your state DMV.
  • Lower rates with optional equipment – Choosing a vehicle with an alarm system can get you a discount on your auto insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Credit scores impact auto insurance rates – A driver’s credit history is a big factor in determining what you pay for auto insurance. If your credit history is not that good, you could be paying less to insure your 1996 Ford E-350 by spending a little time repairing your credit. People with good credit tend to be more responsible than drivers with lower credit scores.
  • Safer occupants lowers premiums – Vehicles with good safety scores can get you lower premiums. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts and thus lower rates. If your Ford E-350 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Compare Car Insurance Costs

There are a lot of ways to compare car insurance prices and some are less time-consuming than others. You could waste time talking to insurance companies in your area, or you can stay home and use the web to get rates in a matter of minutes.

Most car insurance companies belong to a marketplace where prospective buyers send in one quote, and each company then returns a price quote determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.

To compare 1996 Ford E-350 rates using this form now click here (opens in new window).

The single downside to using this type of form is you can’t choose the insurers to get pricing from. If you would rather choose specific insurance companies for rate comparison, we have a page of low cost car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just be sure to compare identical deductibles and coverage limits for each comparison quote. If you have higher or lower deductibles you will not be able to decipher which rate is best.

Buyer beware of insurance advertising tricks

Consumers can’t get away from ads for car insurance savings by Allstate, Geico and Progressive. They all seem to say the same thing of big savings if you switch to their company.

How does each company make almost identical claims? It’s all in the numbers.

Insurance companies have a preferred profile for the driver that is profitable for them. For example, a driver they prefer might be profiled as between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A customer getting a price quote who matches those parameters will get the preferred rates and therefore will save quite a bit of money when switching.

Potential customers who don’t meet the requirements will be quoted more money which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save that kind of money. This is how companies can truthfully claim big savings.

This emphasizes why it is so important to compare as many rates as you can. It is impossible to predict the company that will provide you with the cheapest Ford E-350 insurance rates.

Lots of discounts mean lots of savings

Car insurance can cost a lot, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically when you complete an application, but some must be specifically requested prior to getting the savings. If you’re not getting every credit possible, you are throwing money away.

  • Early Switch Discount – Some companies give discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Homeowners Pay Less – Owning a home can help you save on car insurance because maintaining a house requires personal responsibility.
  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Save over 55 – Mature drivers may receive reduced rates on E-350 coverage.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy qualifies for this discount.
  • College Student – Children living away from home attending college and do not have a car can receive lower rates.

Keep in mind that most credits do not apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, car insurance companies aren’t that generous. But all discounts will reduce the cost of coverage.

To see a list of insurers who offer car insurance discounts, click here.

Situations that might require an agent

When choosing adequate coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether you will benefit from professional help.

  • Are split liability limits better than a combined single limit?
  • What is PIP insurance?
  • What is UM/UIM insurance?
  • Should I have a commercial auto policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I carry comprehensive and collision coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of a car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, a tree branch falling on your vehicle, rock chips in glass and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays for damage to your E-350 resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability insurance – Liability coverage will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of 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 stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as repair bills for other people’s vehicles, pain and suffering, funeral expenses, medical services and medical expenses. How much coverage you buy is up to you, but you should buy as much as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for X-ray expenses, dental work, chiropractic care, surgery and prosthetic devices. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford E-350.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Do the work, save more money

When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an insured dropped collision coverage and discovered at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

We just presented many tips how you can lower your 1996 Ford E-350 insurance rates. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the biggest savings come from the least-expected company.

Drivers leave their current company for many reasons like being labeled a high risk driver, extreme rates for teen drivers, policy cancellation or lack of trust in their agent. No matter why you want to switch, switching insurance coverage companies is not as difficult as it may seem.

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