1990 Ford E-350 Insurance Cost – 7 Ideas for Best Prices

Have you finally had enough of paying out the nose to keep your car insured? You have the same problem as the majority of other consumers. Many insurers compete for your hard-earned dollar, so it can be very hard to choose a insurer to get the lowest cost out there.

If you have a current auto insurance policy or need new coverage, you will benefit by learning to find better prices and possibly find even better coverage. Finding affordable coverage is not rocket science. Drivers just need to understand how to get comparison rates online.

The cheapest insurance

Cutting your insurance rates is a great way to save money. All you need to do is take a couple of minutes to compare free auto insurance quotes to see which company has low cost auto insurance quotes. This is very easy and can be done by using one of the methods below.

Without a doubt, the easiest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This style of form prevents you from having to do repetitive form submissions for every prospective company. One quote request compares rates from multiple companies.

A harder way to find lower rates is to manually visit the website for each individual company and go through the quote process again. For instance, let’s assume you want to see prices from USAA, GEICO and Allstate. In order to compare rates, you need to spend time on each company’s site and enter your information, which explains why we recommend starting with the first method.

For a list of companies in your area, click here.

The least efficient and most time consuming method to compare price quotes is actually driving to insurance agents’ offices. The internet makes this unnecessary unless you’re the type of person who wants the extra assistance that only a licensed agent can provide. It is possible with some companies comparison shop online but still have the advice of a local agent.

You can choose any of those ways to find more affodable coverage, but be certain you are entering the same deductibles and coverage limits on every price quote you get. If each company quotes different coverage information it will be impossible to make a fair comparison for your Ford E-350.

Auto insurance discounts help lower rates

Insuring your fleet can be pricey, but you might find some hidden discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but a few need to be inquired about prior to getting the savings. If they aren’t giving you every credit available, you could be paying more than you need to.

  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Onboard Data Collection – Drivers who agree to allow driving data collection to look at when and where they use their vehicle by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they are good drivers.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn substantially lower rates.
  • Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you may have a lower total premium amount.
  • Service Members Pay Less – Having a deployed family member could mean lower prices.
  • 55 and Retired – Drivers over the age of 55 are able to get a small discount on rates on E-350 coverage.

Don’t be shocked that some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

Popular auto insurance companies and some of their more popular discounts include:

  • Farm Bureau offers discounts for driver training, good student, youthful driver, multi-vehicle, 55 and retired, multi-policy, and safe driver.
  • State Farm may have discounts that include student away at school, anti-theft, good student, passive restraint, and good driver.
  • Progressive has savings for continuous coverage, good student, homeowner, online quote discount, online signing, multi-policy, and multi-vehicle.
  • Allstate has discounts for anti-lock brakes, multi-policy, farm vehicle, safe driver, and good payer.
  • Nationwide may offer discounts for family plan, defensive driving, good student, accident-free, business or organization, and multi-policy.
  • MetLife may include discounts for accident-free, claim-free, good student, defensive driver, good driver, and multi-policy.

Before you buy a policy, ask every prospective company how many discounts you can get. Some discounts listed above may not apply in every state. To see a list of insurers who offer auto insurance discounts, click here.

Which is the best insurance coverage?

When it comes to choosing the best insurance coverage coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether you might need professional guidance.

  • What is medical payments coverage?
  • How much liability coverage do I need in my state?
  • Does my insurance cover my expensive audio equipment?
  • Is my Ford E-350 covered if I use it for business?
  • Why am I required to buy liability insurance?
  • When can I cancel my policy?
  • What happens if I owe more than my 1990 Ford E-350 is worth?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Insurance coverages 101

Knowing the specifics of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverages available from insurance companies.

Collision insurance

This pays for damage to your E-350 resulting from a collision 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 coverage pays for claims such as crashing into a building, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your 1990 Ford E-350.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as funeral expenses, repair bills for other people’s vehicles, court costs, emergency aid and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, hitting a bird and vandalism. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills for hospital visits, rehabilitation expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage