1996 Ford E-150 Insurance Rates

Trying to find the cheapest auto insurance rates for your Ford E-150? Do you get exhausted from robbing Peter to pay Paul to pay auto insurance each month? Your situation is no different than many other consumers.

Since you have so many choices, it’s difficult to pick a more affordable insurance company.

It’s smart to take a look at other company’s rates on a regular basis due to the fact that insurance prices change regularly. If you had the lowest rate on E-150 coverage last year you will most likely find a better premium rate today. Block out anything you think you know about auto insurance because you’re about to learn the best way to save on auto insurance.

Lower rates by qualifying for discounts

Auto insurance companies do not list all disounts in a way that’s easy to find, so the following list contains both well-publicized and also the lesser-known credits available to you.

• Home Ownership Discount – Simply owning a home can save a few bucks because of the fact that having a home is proof of financial responsibility.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
• Online Discount – Many companies give back up to $50 for completing your application on the internet.
• Discount for Swiching Early – A few larger companies allow discounts for buying a policy prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
• Employee of Federal Government – Active or retired federal employment could provide a small rate reduction on E-150 coverage with a few insurance companies.
• Fewer Miles Equal More Savings – Maintaining low annual mileage could earn cheaper rates.
• Good Driver Discounts – Safe drivers could pay up to 40% less on E-150 coverage compared to rates paid by drivers with frequent claims.

As a sidenote, many deductions do not apply to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, companies wouldn’t make money that way. But any discount should help lower your insurance premiums.

To find insurance companies offering insurance discounts, click this link.

How to buy car insurance online

The majority of larger companies like State Farm, Geico and Progressive provide price estimates on the web. Getting online quotes is very simple because it’s just a matter of typing in as detailed in the form. Once entered, the company’s rating system gets credit information and your driving record and generates a price based on the data you entered. Online price estimates makes it simple to compare prices but the work required to visit each company’s website and repetitively enter the same data into a form can be a bit tiresome and repetitive. But it’s necessary to compare as many rates as possible in order to find the best price on car insurance.

A better way to lower your car insurance bill utilizes a single form that analyzes rates from several different companies. It’s a real time-saver, requires less work, and makes price shopping online much easier to do. Once the form is submitted, it is quoted with multiple companies and you can pick any or none of the pricing results.

If a lower price is quoted, you can click and sign and buy the policy. The entire process takes less than 15 minutes and could lower your rates considerably.

To quickly find out if lower rates are available, click here and complete the simple form. If you have your current policy handy, we recommend that you enter coverages and limits as shown on your current policy. Doing this assures you are getting a fair comparison using the exact same coverages.

Smart consumers know how to find insurance coverage cheaper

Smart consumers have a good feel for the rating factors that are used to determine your premiums. If you know what determines base rates, this allows you to make educated decisions that may reward you with lower premium levels.

• Having a spouse pays dividends – Having a wife or husband helps lower the price on your policy. Marriage is viewed as being more mature than a single person and it’s proven that married couples file fewer claims.
• Your credit rating is important – Having a bad credit score can be a huge factor in determining your rates. If your credit leaves room for improvement, you could potentially save money when insuring your 1996 Ford E-150 by improving your credit score. People that have very high credit ratings tend to be better drivers and file fewer claims than those with poor credit.
• What are good liability coverage limits? – A critical coverage on your policy, liability insurance will protect you when you are found to be at fault for damages caused by your negligence. Your liability coverage provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so buy as much as you can afford.
• Incidental coverages are wasting money – Insurance companies have many additional extra coverages that can add up if you aren’t diligent. Insurance for vanishing deductibles, high-cost glass coverage, and Farm Bureau memberships are probably not needed. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past eliminate them to save money.

Insurance is unique, just like you

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can aid in determining if your situation may require specific advice.

• Are all vehicle passengers covered by medical payments coverage?
• What is an SR-22 filing?
• I have good health insurance, so how much medical payments coverage do I need?
• If I drive on a suspended license am I covered?
• Can I afford low physical damage deductibles?
• What should my uninsured motorist coverage limits be in my state?
• Does having multiple vehicles earn me a discount?
• What exactly is covered by my policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Big names are not always cheapest

Companies like State Farm, Geico and Progressive endlessly run ads on TV and radio. They all convey the message that you can save just by moving your policy. How is it possible that every company can have lower policy pricing? This is how they do it.

Most companies have specific guidelines for the type of driver that earns them the most money. A good example of a preferred risk should be between 30 and 50, has a clean driving record, and has a high credit rating. Anybody who fits that profile gets the lowest prices and therefore will save quite a bit of money when switching.

People who do not meet these stringent criteria will see more expensive rates and ends up with the customer buying from a different company. If you listen to the ad wording, they say “people that switch” not “everyone that quotes” save money. This is how insurance companies can make those statements.

This really emphasizes why drivers must compare many company’s prices. It is impossible to guess the company that will fit your personal profile best.

Car insurance coverage specifics

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverages offered by car insurance companies.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as EMT expenses, rehabilitation expenses, prosthetic devices and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, rock chips in glass, theft, damage from getting keyed and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability coverage protects you from damage that occurs to a person or their property in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as legal defense fees, medical expenses, repair bills for other people’s vehicles, court costs and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

In Summary

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced collision coverage only to regret that they should have had better coverage. Your aim should be to find the BEST coverage at the best price while still protecting your assets.

You just read a lot of ways to save on 1996 Ford E-150 insurance. The key thing to remember is the more rate quotes you have, the better likelihood of getting cheap auto insurance. Consumers could even find that the lowest car insurance rates are with a small mutual company. Some small companies can often provide lower premium rates in certain areas than the large multi-state companies such as Allstate or State Farm.

Discount 1996 Ford E-150 insurance can be purchased both online in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not offer the ability to get quotes online and many times these smaller companies only sell coverage through independent agents.

More resources

• How to Avoid Staged Accidents (State Farm)
• Older Driver Statistics (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)