1993 Ford E-150 Insurance Quotes – 8 Ways to Save

Tired of scraping the payment together each month for car insurance? You are no different than many other drivers. You have so many insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, it can be more difficult to find a good deal.

Smart consumers take time to take a look at other company’s rates yearly because insurance rates are usually higher with each renewal. Just because you had the best price on E-150 insurance a year ago there may be better deals available now. There is a lot of bad information regarding insurance coverage online but we’re going to give you some proven techniques to quit paying high insurance coverage rates.

These eight discounts can lower your rates

Auto insurance companies don’t list every available discount in an easy-to-find place, so here is a list some of the more common and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Driver Safety – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
  • Accident Waiver – A few companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Claim Free – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
  • Discount for Life Insurance – Some companies give lower rates if you buy life insurance.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could qualify for a substantially lower rate.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in high school.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

A partial list of companies that may have these money-saving discounts are:

Double check with each company what discounts are available to you. Some discounts may not be available in your area.

Which Insurance is Cheapest?

There are several ways you can shop for Ford E-150 insurance but there is one way that is easier and takes less work. You could waste a few hours talking about coverages with insurance companies in your area, or you can utilize online quotes to quickly compare rates.

Most of the best insurance companies belong to an insurance system that enables customers to submit their information once, and each company can provide price quotes. This eliminates the need for quote requests to each company.

To access this free quoting program, click here to open in new window.

The one downside to getting quotes like this is you cannot specify which carriers you want pricing from. So if you want to select specific providers to request quotes from, we have a page of insurance companies in your area. Click to view list.

Which method you use is up to you, but double check that you are using apples-to-apples coverage limits with every price quote. If you enter mixed coverages then you won’t be able to truly determine the lowest rate.

Different people need different coverages

When buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out if your insurance needs could use an agent’s help.

  • Should I buy full coverage?
  • Should I have a commercial auto policy?
  • Is extra glass coverage worth it?
  • Am I covered if hit by an uninsured driver?
  • Do I need roadside assistance coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my camper covered by my car insurance policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

The coverage is in the details

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages available from car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford E-150.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for prosthetic devices, hospital visits, rehabilitation expenses, dental work and surgery. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for liability – Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things like loss of income, funeral expenses and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, colliding with a tree, damaging your car on a curb, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, damage from flooding, a broken windshield, falling objects 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 it’s probably time to drop comprehensive insurance.

Shop around and save

Lower-priced 1993 Ford E-150 insurance can be found from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There are many occasions where an insured dropped comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at the best price, not the least amount of coverage.

Even more information is located by following these links: