Compare 1998 Ford E-350 Car Insurance Cost

Sick and tired of scraping the payment together to buy car insurance? You are in the same boat as many other drivers. You have multiple car insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, it can be more difficult to locate the cheapest rates.

It is always a good idea to compare rates every six months because rates are constantly changing. Just because you had the lowest price for E-350 insurance two years ago you will most likely find a better rate today. Ignore everything you know about insurance because you’re about to learn the tricks you need to know to reduce your cost while improving coverage.

Locating more affordable protection can be fairly easy. If you have insurance now or are shopping for new coverage, you can follow these tips to shop for the lowest rates while maximizing coverage. Vehicle owners just need to understand the proper methods to compare company rates online.

Save on 1998 Ford E-350 insurance

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be asked for before you get the savings. If you’re not getting every credit possible, you are paying more than you should be.

  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% for E-350 insurance depending on your company.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts compared to bad drivers.
  • E-sign – Some insurance companies will give a small break simply for signing online.
  • Accident Forgiveness – A few companies will allow you to have one accident without raising rates if you are claim-free for a set time period.
  • Early Signing – Some companies give discounts for switching policies prior to your current policy expiration. This can save 10% or more.
  • Memberships – Being a member of a professional or civic organization is a good way to get lower rates when shopping for insurance coverage for E-350 insurance.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for E-350 insurance than drivers with accident claims.
  • Student Driver Training – Require your teen driver to complete a driver education course if offered at their school.

Consumers should know that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way. But any discount will bring down the cost of coverage.

For a list of providers offering insurance coverage discounts, click this link.

Free Quotes for Insurance Coverage

Performing a rate comparison can take time and effort if you don’t know the fastest way to get free quotes. You can spend your afternoon driving to insurance companies in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Many companies take part in a program where insurance shoppers enter their coverage request one time, and each company can give them a price based on that information. This system prevents you from having to do quotation requests for each company.

To use this form to compare 1998 Ford E-350 insurance rates click here to start a free quote.

The only downside to getting quotes like this is you cannot specify which carriers you want to price. So if you want to choose individual companies to compare prices, we have a listing of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing identical coverage information for each comparison quote. If you compare different liability limits it’s not possible to find the best deal for your Ford E-350.

Elements that influence Ford E-350 insurance rates

It’s important that you understand some of the elements that help determine your auto insurance rates. Understanding what influences your rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Where you live – Being located in a small town is a positive aspect when it comes to auto insurance. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Fewer people means reduced accidents as well as less vandalism and auto theft.
  • What are your deductibles? – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Some examples of claims that would be covered could be collision with another vehicle, damage caused by hail, and windstorm damage. Your deductibles are how much you are willing to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the less your auto insurance will be for E-350 insurance.
  • High numbers of claims are not good – Car insurance companies award cheaper rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • Lower miles equals lower premium – The higher the mileage driven each year the higher your rates will be. Most insurance companies charge to insure your cars based on their usage. Cars left parked in the garage qualify for better rates compared to those used for work or business. An improperly rated E-350 can result in significantly higher rates. Make sure your auto insurance declarations sheet properly reflects the correct usage for each vehicle.
  • Safer cars are cheaper to insure – Safer cars can get you lower premiums. Safer cars result in less severe injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If the Ford E-350 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Having a spouse can save you money – Being married helps lower the price on your auto insurance policy. Having a spouse means you’re more mature than a single person and it’s statistically proven that being married results in fewer claims.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different so your insurance needs to address that. For example, these questions may help you determine whether your personal situation could use an agent’s help.

  • Is a blown tire covered by insurance?
  • Does insurance cover tools stolen from my truck?
  • How can I find cheaper teen driver insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I get collision insurance on every vehicle?
  • Can my teen drive my company car?
  • Should I buy additional glass protection?
  • Am I covered when driving someone else’s vehicle?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

How can Allstate and Progressive save drivers who switch?

Drivers can’t ignore all the ads for car insurance savings by Allstate and Progressive. They all seem to say the same thing that you’ll save big after switching to their company.

How can each company say the same thing?

Insurance companies have a preferred profile for the type of driver they prefer to insure. For instance, a preferred risk could possibly be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who don’t measure up to the “perfect” profile will be quoted more money which usually ends up with business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can make those claims.

This emphasizes why you need to get quotes from several different companies. You cannot predict which company will have the lowest Ford E-350 insurance rates.

Car insurance coverages for a Ford E-350

Understanding the coverages of car insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages found on the average car insurance policy.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, hitting a bird and falling objects. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, driving through your garage door, sustaining damage from a pot hole, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage kick in for expenses like chiropractic care, ambulance fees, prosthetic devices and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

This coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, bail bonds, structural damage, emergency aid and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford E-350.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these coverages are similar to your liability insurance amounts.

Affordable insurance is out there

You just read a lot of techniques to reduce 1998 Ford E-350 insurance prices online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Progressive or Geico.

Lower-priced insurance can be bought both online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

More information is available at the links below