Cheaper 1993 Ford E-150 Insurance Cost

Looking for the cheapest auto insurance rates for your Ford E-150? Saving money on Driversauto insurance could be hard for people who are new to buying insurance online. Consumers have so many options available that it can quickly become a burden to find more affordable premium rates.

The cheapest auto insurance quotes online

There are several ways to compare auto insurance quotes, but one way is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Many insurance companies belong to an insurance system that enables customers to enter their policy data once, and each participating company can give them a price based on that information. This eliminates the need for quote forms to every company.

To enter your information into the quoting system, click here to open in new window.

The only drawback to using this type of form is you cannot specify which carriers to get quotes from. So if you want to select individual companies to compare rates, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just try to keep identical coverage information for every quote you compare. If your comparisons have different deductibles it’s impossible to get a fair rate comparison. Just a small difference in limits could mean much higher rates. And when price shopping your coverage, comparing more quotes increases the change that you will find lower pricing. Not every company does price estimates online, so it’s important to compare price quotes on coverage from those companies, too.

How you can control Ford E-150 insurance prices

It’s important that you understand the factors that are used to determine your premiums. If you understand what influences your rates, this enables you to make decisions that could help you find lower insurance prices. Many things are taken into consideration when premium rates are determined. Some of the criteria are obvious such as your driving history, but other criteria are more transparent like where you live or your vehicle rating.

Listed below are some of the major factors companies use to determine your rates.

  • Infrequent drivers can save – The more miles you rack up on your Ford each year the higher your rate. Many insurance companies rate vehicles partially by how you use the vehicle. Cars used primarily for pleasure use cost less to insure than vehicles that have high annual mileage. Having the wrong rating on your E-150 can cost quite a bit. Ask your agent if your vehicle rating is rated on annual mileage.
  • Single drivers may pay higher prices – Your spouse may cut your premiums when shopping for insurance. Marriage may mean you are more mature and responsible and it’s statistically proven that married drivers tend to file fewer claims.
  • Discounts for auto and home policies – Many insurance companies allow a discount to insureds that buy multiple policies such as combining an auto and homeowners policy. Even with this discount, it’s always a smart idea to get quotes from other companies to guarantee you are still saving the most. Drivers may still save money even if you have your coverage with different companies
  • Your job can affect prices – Occupations such as military personnel, architects and financial analysts generally pay the highest average rates due to intense work situations and lengthy work days. Other occupations such as farmers, engineers and performers pay the least for E-150 coverage.

Don’t miss these rate-reducing discounts

Buying auto insurance is not cheap, but there may be some discounts that you may not even be aware of. Some discounts apply automatically when you quote, but some may not be applied and must be specially asked for in order for you to get them.

  • Homeowners Savings – Simply owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Driver’s Ed – Have your child enroll and complete driver’s education if it’s offered in school.
  • Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
  • Military Rewards – Being on active deployment in the military could qualify you for better auto insurance rates.
  • Good Student – This discount may save you up to 25%. Earning this discount can benefit you up until you turn 25.
  • Multi-Vehicle Discounts – Insuring multiple cars on a single policy can get a discount for every vehicle.
  • Passive Restraints – Options like air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and therefore earn up to a 10% discount.
  • College Student – Older children who are attending college and won’t have access to an insured vehicle can receive lower rates.
  • Bundle and Save – If you combine your auto and home policies and place coverage with the same company you could save up to 20% and get you cheaper car insurance.

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Popular auto insurance companies and some of their more popular discounts can be found below.

  • Progressive offers discounts including online quote discount, multi-vehicle, homeowner, online signing, continuous coverage, good student, and multi-policy.
  • Farmers Insurance may offer discounts for multi-car, bundle discounts, alternative fuel, youthful driver, mature driver, distant student, and teen driver.
  • Farm Bureau policyholders can earn discounts including 55 and retired, safe driver, youthful driver, driver training, and renewal discount.
  • State Farm may include discounts for good student, passive restraint, anti-theft, safe vehicle, and driver’s education.
  • GEICO offers premium reductions for federal employee, military active duty, good student, emergency military deployment, membership and employees, and defensive driver.
  • SAFECO includes discounts for homeowner, multi-car, bundle discounts, teen safety rewards, anti-theft, anti-lock brakes, and teen safe driver.
  • Liberty Mutual may have discounts that include preferred payment discount, safety features, good student, new move discount, exclusive group savings, multi-policy, and new vehicle discount.

If you want cheaper car insurance quotes, ask every insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not apply in your area. To find insurance companies that can offer you the previously mentioned discounts, follow this link.

Do I need special coverages?

When it comes to choosing the best insurance coverage coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that might point out if you might need an agent’s assistance.

  • Why does it cost so much to insure a teen driver?
  • Do I pay less for low miles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my car insurance cover rental cars?
  • I have a DUI can I still get coverage?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my 1993 Ford E-150 is worth?
  • Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your policy

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision – Collision insurance pays for damage to your E-150 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 insurance covers things like crashing into a ditch, driving through your garage door, hitting a parking meter, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your 1993 Ford E-150.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense coverage – Med pay and PIP coverage kick in for expenses such as dental work, EMT expenses, prosthetic devices, doctor visits and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability – Liability insurance provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair bills for other people’s vehicles, loss of income, funeral expenses and emergency aid. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Comprehensive protection – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a deer and hitting a bird. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Don’t break the bank

In this article, we presented a lot of information how to get a better price on 1993 Ford E-150 insurance. The key concept to understand is the more you quote car insurance, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates come from a small mutual company.

Some insurance providers may not offer the ability to get a quote online and these small, regional companies only sell coverage through independent insurance agents. Cost effective 1993 Ford E-150 insurance is attainable both online and from local insurance agents, so you should compare both to get a complete price analysis.

When you buy car insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your aim should be to find the BEST coverage at the best price and still be able to protect your assets.

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