How Much Does 1993 Ford E-350 Car Insurance Cost?

If you’ve never shopped for auto insurance quotes online, most likely you are overwhelmed by the vast assortment of companies all promising to save you money.

Where can I get the cheapest car insurance?

The majority of larger companies make it easy to get insurance quotes from their websites. Doing online price comparisons doesn’t take much effort as all you need to do is type in your personal and coverage information into the quote form. After you submit the form their quoting system pulls credit information and your driving record and quotes a price based on these factors.

This helps simplify price comparisons, but the process of having to visit a lot of sites and fill out multiple forms is a waste of time. But it’s absolutely necessary to get many rate quotes if you want to get a lower rate.

A more efficient way to locate the lowest prices requires only one form that obtains quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes quoting online much easier to do. After sending your information, it is rated and you can select any of the pricing results.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It can be completed in a matter of minutes and may result in a nice savings.

If you want to use this form to compare rates, click here to open in new window and submit the form. To compare your current rates, we recommend that you enter exactly as shown on your declarations page. This makes sure you will have rate comparison quotes using the exact same coverages.

More affordable rates by getting discounts

Companies don’t necessarily list every discount in a way that’s easy to find, so the below list has some of the more common and the more hidden savings tricks you should be using when you buy auto insurance online. If you do not double check each discount you deserve, you are not getting the best rate possible.

• Military Rewards – Having an actively deployed family member could qualify you for better premium rates.
• Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
• Good Student Discount – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
• Own a Home – Just owning your own home can save a few bucks because it is proof of financial responsibility.
• Telematics Discount – Insureds that choose to allow companies to monitor vehicle usage through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as they are good drivers.
• College Student – Kids who live away from home to go to college and do not have a car could get you a discount.
• Anti-theft System – Vehicles optioned with advanced anti-theft systems are stolen less frequently and will save you 10% or more.

Don’t be shocked that some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic. Any qualifying discounts should help lower your policy premiums.

Auto insurance companies who may offer some of the above discounts possibly include:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

Before purchasing a policy, check with every company to apply every possible discount. Discounts may not be offered in every state. To see a list of insurance companies who offer discounts, click this link.

Get cheaper insurance costs by understanding these factors

An important part of buying insurance is that you know some of the factors that aid in calculating insurance rates. When you know what positively or negatively determines base rates, this enables informed choices that can earn you lower premium levels.

The items below are some of the most rate-impacting factors companies use to determine prices.

• Theft deterrents save – Driving a car that has an advanced theft prevention system can save you some money. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping vehicle theft.
• Big cities mean more claims – Choosing to live in less populated areas may provide you with better prices if you are looking for the lowest rates. People who live in big cities have to deal with congested traffic and more severe claims. Fewer people translates into fewer accident claims as well as less vandalism and auto theft.
• Buy as much liability insurance as you can afford – Liability insurance kicks in in the event that you are responsible for causing personal injury or damage in an accident. Your policy’s liability insurance provides you with a defense in court to defend your case. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
• Combine policies to earn discounts – The majority of insurers will give discounts for people that buy multiple policies. It’s known as a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to guarantee you are still saving the most.
• Safer occupants lowers premiums – Cars with five star safety ratings tend to be cheaper to insure. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means your insurance company pays less and lower rates for you.
• Higher rates for insurance lapses – Driving with no insurance is a misdemeanor and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will rates go up, being ticketed for driving with no insurance may earn you fines or a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Lower rates for married couples – Having a wife or husband may cut your premiums on your policy. Having a spouse may mean you are more mature and statistics prove married drivers tend to file fewer claims.
• Insurance rates and age – Young drivers have been known to get distracted easily when at the wheel of a vehicle and because of this, their insurance rates are much higher. If you’ve ever had to add a young driver to your insurance policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.

Your auto insurance coverage should be tailored to you

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

For example, these questions might help in determining if your situation would benefit from professional advice.

• How high should deductibles be on a 1993 Ford E-350?
• Should I get collision insurance on every vehicle?
• Do I have coverage when making deliveries for my home business?
• I have health insurance so do I need medical payments coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• How much liability do I need to cover my assets?
• Are rock chip repairs covered?
• Does insurance cover tools stolen from my truck?
• Am I insured when driving a different vehicle?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Learn about insurance coverages for a Ford E-350

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses for pain medications, doctor visits and funeral costs. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Liability

This can cover damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as bail bonds, court costs, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for collisions

Collision insurance covers damage to your E-350 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, hitting a parking meter, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Ford E-350.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

One last thing about your coverage

We just covered a lot of information how to shop for 1993 Ford E-350 insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest priced insurance coverage comes from an unexpected company.

Low-cost 1993 Ford E-350 insurance can be found on the web and from local agencies, so you need to quote auto insurance with both so you have a total pricing picture. There are still a few companies who do not provide the ability to get a quote online and most of the time these regional carriers provide coverage only through independent agents.

Consumers change insurance companies for a variety of reasons including poor customer service, delays in paying claims, policy non-renewal or even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

Additional resources

• Cellphones, Texting and Driving (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)