1997 Ford E-150 Insurance Cost

Trying to find cheaper auto insurance rates for your Ford E-150? Nobody looks forward to buying auto insurance, in particular when they are paying too much. Numerous insurers battle for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the best coverage at the lowest price

If you have insurance now or are looking for a new policy, you can follow these tips to find better prices and possibly find even better coverage. Buying car insurance is not that difficult. Drivers just need to understand the best way to buy insurance on the web.

Insurance Coverage Comparisons

Getting a cheaper price on 1997 Ford E-150 insurance is not rocket science. Drivers just need to spend a few minutes comparing rate quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  • One of the best ways consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing a different quote for each company you want a rate for. Completing one form gets you coverage quotes from multiple low-cost companies.
  • A more difficult way to find lower rates is to manually visit each company website to request a price quote. For instance, we’ll pretend you want to compare rates from GEICO, 21st Century and Progressive. You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular. To view a list of companies in your area, click here.

Which method you use is up to you, but be sure to compare identical coverage limits and deductibles on every quote you get. If you compare unequal deductibles or liability limits it will be next to impossible to make an equal comparison.

Your coverage should be tailored to you

When buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique so your insurance should reflect that These are some specific questions might point out whether your personal situation might need professional guidance.

  • Where can I find DUI or SR-22 insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Who is covered when they drive my 1997 Ford E-150?
  • If my 1997 Ford E-150 is totaled, can I afford another vehicle?
  • What if I owe more than I can insure my car for?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Auto insurance coverages 101

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages available from auto insurance companies.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford E-150.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, rock chips in glass and damage from getting keyed. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability – This coverage provides protection from damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like legal defense fees, funeral expenses, medical expenses, pain and suffering and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for expenses for chiropractic care, ambulance fees, doctor visits, dental work and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Collision coverage – Collision coverage will pay to fix damage to your E-150 caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.