1996 Ford E-150 Car Insurance Cost – 7 Policy Discounts

Searching for cheaper insurance coverage rates for your Ford E-150? Locating cheaper insurance for a Ford E-150 can normally be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to find insurance coverage online so you’re going to learn the best way to quote coverages on a Ford and obtain the lowest price from both online companies and local agents.

Auto Insurance Discounts

Car insurance companies don’t list every discount they offer in an easy-to-find place, so below is a list both the well known as well as some of the hidden credits available to you.

  • Life Insurance Discount – Insurance carriers who offer life insurance give lower rates if you buy a life policy as well.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
  • Own a Home and Save – Owning a house can save a few bucks since owning and maintaining a home requires a higher level of personal finance.
  • Driver Training Discounts – Participating in a course teaching driver safety skills could save 5% or more if your company offers it.
  • 55 and Retired – Drivers that qualify as senior citizens may receive better auto insurance rates on E-150 insurance.
  • Accident Forgiveness – This isn’t a discount exactly, but companies like Allstate, Progressive, and GEICO will allow you to have one accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
  • Early Switch Discount – A few insurance companies offer discounts for switching to them before your current coverage expires. It could save around 10% when you buy car insurance online.

One thing to note about discounts is that most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous. But any discount will help reduce your policy cost.

Large auto insurance companies and a summarized list of policyholder discounts can be found below.

  • Farm Bureau has savings for safe driver, good student, driver training, multi-vehicle, and 55 and retired.
  • Liberty Mutual has discounts for newly retired, preferred payment discount, new vehicle discount, new move discount, and safety features.
  • State Farm offers discounts for multiple autos, Steer Clear safe driver discount, accident-free, passive restraint, driver’s education, and safe vehicle.
  • Auto-Owners Insurance discounts include anti-theft, air bags, anti-lock brakes, paid in full, good student, and safe driver.
  • GEICO may include discounts for defensive driver, driver training, federal employee, seat belt use, multi-vehicle, anti-lock brakes, and military active duty.
  • SAFECO offers discounts including accident prevention training, teen safety rewards, homeowner, teen safe driver, and safe driver.

If you want low cost car insurance quotes, ask each company the best way to save money. Discounts may not apply to policyholders everywhere. For a list of insurance companies that offer discounts, follow this link.

How to get insurance quotes

Most of the larger companies allow consumers to get prices for coverage from their websites. Obtaining pricing is very simple as you just type in on the page. Once entered, their rating system requests reports for credit and driving violations and returns a price based on these and other factors.

This makes it easy to compare insurance prices but the process of having to visit a lot of sites and enter the same data into a form is a waste of time. But it’s also necessary to do this if you want to find better prices.

Isn’t there an easier way to compare rates?

A less time-consuming method to lower your insurance bill requires only one form to get prices from a lot of companies. This type of form saves time, requires less work, and makes online shopping a little more enjoyable. After sending your information, your coverage is rated and you can select any of the pricing results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The entire process can be completed in a matter of minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you copy coverages and limits exactly as they are listed on your policy. This ensures you will receive an apples-to-apples comparison based on similar coverages.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Is my custom paint covered by insurance?
  • Am I covered if I crash into my own garage door?
  • Which is better, split liability limits or combined limits?
  • Am I covered if I hit a deer?
  • Does my insurance cover my expensive audio equipment?
  • Is my Ford E-150 covered if I use it for business?
  • Do all my vehicles need collision coverage?
  • Does coverage extend to my business vehicle?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

What car insurance coverages do you need?

Having a good grasp of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Liability coverage – Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as pain and suffering, attorney fees, loss of income and medical services. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like doctor visits, nursing services and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, vandalism, fire damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – This covers damage to your E-150 resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, colliding with a tree, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

One last thing about your coverage

When trying to cut insurance costs, you should never reduce needed coverages to save money. There have been many cases where an insured cut collision coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

People leave their current company for a variety of reasons including policy non-renewal, an unsatisfactory settlement offer, extreme rates for teen drivers and questionable increases in premium. No matter why you want to switch, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

Cheap 1996 Ford E-150 insurance can be found online and from local agencies, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not provide internet price quotes and these regional carriers only sell through independent agents.

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