1996 Ford E-350 Insurance Rates

Consumers have a choice when looking for the best price on Ford E-350 insurance. They can either waste time driving around to get rate comparisons or use the internet to compare rates.

There is a right way and a wrong way to find auto insurance online so you’re going to learn the absolute fastest way to price shop coverage on a Ford and find the best price possible.

Auto Insurance Comparisons

There are several ways to compare Ford E-350 auto insurance quotes, but some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with local insurance agents in your area, or you could use the internet to get prices fast.

Most car insurance companies take part in a program where insurance shoppers enter their policy data once, and each company can give them a price based on that data. This eliminates the need for repetitive form submissions for each company you want a rate for. To find out how much you can save on auto insurance click here to start a free quote.

The one disadvantage to doing it this way is buyers cannot specifically choose the insurers to receive prices from. If you prefer to choose specific providers to request quotes from, we have a page of companies who write auto insurance in your area. Click here to view list.

Which method you use is up to you, but ensure you are comparing exactly the same information for every company. If you have unequal deductibles or liability limits it’s not possible to make a fair comparison for your Ford E-350.

When might I need help?

When buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For example, these questions can help discover whether or not you might need professional guidance.

• Am I covered when driving on a suspended license?
• Am I missing any policy discounts?
• Do I pay less if my vehicle is kept in my garage?
• Can my babysitter drive my car?
• Am I covered when using my vehicle for business?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• If my pet gets injured in an accident are they covered?
• Am I insured when driving a different vehicle?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

The coverage is in the details

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Coverage for liability

This coverage protects you from damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical services, funeral expenses and pain and suffering. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses such as ambulance fees, funeral costs and dental work. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, a broken windshield and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

Collision coverage covers damage to your E-350 caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, colliding with another moving vehicle, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford E-350.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.