Compare 1997 Ford E-350 Insurance Quotes

Shopping for car insurance is not something consumers love to do, but it’s required in every state before you can go for a ride.

If you are paying for car insurance now, you will most likely be able to save some money using this strategy. Shopping for the lowest cost car insurance is simple if you know the tricks. Nevertheless, drivers must comprehend how companies market insurance on the web.

Free Quotes for Car Insurance

Effectively comparing car insurance prices is a ton of work if you aren’t aware of the most efficient way to do it. You could waste a few hours driving to insurance agencies in your area, or you can utilize the internet to get the quickest rates.

Most car insurance companies enroll in a system that enables customers to complete one form, and each company can provide price quotes based on that data. This eliminates the need for quote requests to each individual car insurance company.

To participate in this free quote system, click here to open in new window.

One minor caviat to pricing coverage this way is that consumers can’t choose which carriers you want to price. So if you want to choose individual companies to request quotes from, we have assembled a list of car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but double check that you are using identical deductibles and coverage limits with each company. If you use mixed coverages you can’t possibly make a fair comparison for your Ford E-350. Slightly different coverage limits can mean a large discrepancy in price. Keep in mind that getting more free quotes will enable you to find the best rates.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

For example, these questions can help discover if your insurance needs will benefit from professional help.

  • Is pleasure use cheaper than using my 1997 Ford E-350 to commute?
  • How does medical payments coverage work?
  • How can I get high-risk coverage after a DUI?
  • How much liability do I need to cover my assets?
  • Where can I get insurance after a DUI in my state?
  • Should I carry comprehensive and collision coverage?
  • Why do I need rental car insurance?
  • Does coverage extend to Mexico or Canada?
  • Do I really need UM/UIM coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your policy

Having a good grasp of a insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision coverage covers damage to your E-350 resulting from a 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 claims such as crashing into a ditch, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford E-350.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills for things like X-ray expenses, funeral costs, nursing services, pain medications and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as court costs, bail bonds, funeral expenses, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, hitting a bird, rock chips in glass and fire damage. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.