How Much Does 1996 Ford E-150 Insurance Cost?

Searching for the cheapest auto insurance rates for your Ford E-150? Sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as many other drivers.

Insurance companies such as GEICO and Progressive increase brand awareness with advertising and consumers find it hard to ignore the propoganda and find the best price available.

If you currently have car insurance, you will most likely be able to save some money using these methods. Choosing the best insurance company for you is not rocket science. Nevertheless, car owners need to learn how companies determine prices.

The fastest way that we advise to compare insurance rates from multiple companies utilizes the fact most of the larger companies allow for online access to give free rates quotes. All consumers are required to do is give them some information like whether your vehicle is owned or leased, how many miles driven, marital status, and how much coverage you want. The data gets sent immediately to multiple different insurance companies and they respond with quotes very quickly.

To start a quote now, click here and complete the quick form.

Your personal situation dictates your coverage

When choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine whether your personal situation may require specific advice.

• Do I need replacement cost coverage on my 1996 Ford E-150?
• Is my ex-spouse still covered by my policy?
• Will filing a claim cost me more?
• Does coverage extend to my business vehicle?
• Is my Ford E-150 covered if I use it for business?
• Is my camper covered by my car insurance policy?
• What is UM/UIM insurance?
• Do I have coverage if my license is suspended?
• Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Insurance policy specifics

Learning about specific coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Liability car insurance

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as funeral expenses, emergency aid and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive coverage

This pays for 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 insurance covers things like damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle and a broken windshield. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford E-150.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like rehabilitation expenses, nursing services, X-ray expenses and funeral costs. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.