1994 Ford E-350 Car Insurance Cost

Looking for better auto insurance rates for your Ford E-350? Scraping up a payment for overpriced Ford E-350 insurance can dwindle your checking account and force you to make sacrifices. Doing a price comparison is a great way to slash your bill and have more diposable income.

Many insurers compete for your hard-earned dollar, so it can be very hard to choose a provider to discover the definitive lowest cost out there.

If you have car insurance now, you should be able to reduce your rates substantially using these tips. Finding the best rates is not rocket science. But drivers must learn how insurance companies sell online.

Take discounts and save

Companies that sell car insurance don’t always advertise every discount very clearly, so the following is a list of both well-publicized and the harder-to-find ways to save on insurance coverage.

  • E-sign – Certain companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current policy expires. The savings is around 10%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Own a Home – Owning a house may earn you a small savings because maintaining a house demonstrates responsibility.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

It’s important to note that some credits don’t apply the the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

To see a list of providers with the best insurance coverage discounts, click this link.

Ford E-350 insurance rates are influenced by…

An important part of buying insurance is that you know the different types of things that come into play when calculating your insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that can help you get lower insurance prices.

  • Small claims can cost you – If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Insurance companies award cheaper rates to people who do not file claims often. Car insurance is intended for major claims that would cause financial hardship.
  • Pay less after the wedding – Being married can get you a discount on insurance. Having a significant other translates into being more mature and responsible and statistics show drivers who are married are more cautious.
  • Don’t let your coverage lapse – Allowing your coverage to lapse is a quick way to increase your insurance rates. And not only will your rates increase, but not being able to provide proof of insurance might get you a license revocation or jail time.
  • Teen drivers pay high rates – Youthful drivers tend to be more careless when behind the wheel so insurance rates are higher. Older insureds are viewed as being more responsible, file fewer claims and get fewer tickets.
  • The more you drive the more you pay – The more miles you rack up on your Ford in a year’s time the higher your rates will be. The majority of insurers rate vehicles determined by how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates than those used for commuting. If your policy improperly rates your E-350 may be costing you. Ask your agent if your insurance policy properly reflects how each vehicle is driven.
  • Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • Liability coverage is cheap – Liability coverage is the protection if ever a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.

Which policy gives me the best coverage?

When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you might need professional guidance.

  • Is my trailer covered?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When would I need additional glass coverage?
  • Am I covered if I hit a deer?
  • What vehicles should carry emergency assistance coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do all my vehicles need collision coverage?
  • Why do I need rental car insurance?
  • Do I have newly-aquired coverage?
  • Are my friends covered when driving my 1994 Ford E-350?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

The coverage is in the details

Knowing the specifics of auto insurance helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average auto insurance policy.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive protection

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, a tree branch falling on your vehicle, damage from flooding and falling objects. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This covers damage to your E-350 from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, crashing into a ditch, scraping a guard rail, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.


Liability insurance can cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as legal defense fees, medical services, repair bills for other people’s vehicles and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills for things like surgery, prosthetic devices and EMT expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Save your cold hard cash

You just learned many ideas to save on 1994 Ford E-350 insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.

Affordable insurance is definitely available from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

More information is located at the links below