1998 Ford E-150 Car Insurance Quotes – 10 Tips for Cheapest Rates

Trying to find the cheapest insurance coverage rates for your Ford E-150? Searching for the cheapest insurance for a Ford E-150 could be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to shop for insurance coverage so we’re going to tell you the proper way to price shop coverage on a Ford and obtain the best price possible either online or from local insurance agents.

Buying car insurance is not that difficult. If you have a policy now or are shopping for new coverage, you can use this information to find better prices while maintaining coverages. Vehicle owners only need to know how to shop online.

Finding Insurance Coverage

All the larger insurance coverage companies such as State Farm, Allstate and GEICO provide pricing on the web. The process is pretty easy as you just enter your coverage preferences into a form. After you submit the form the system will order information on your driving record and credit history and returns a price quote based on these and other factors.

Quoting online makes comparing rates easy, but having to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible if you are searching for the lowest price.

Isn’t there an easier way to compare rates?

The quickest way to find better insurance coverage pricing requires only one form that gets prices from more than one company. It’s a real time-saver, reduces the work, and makes online shopping a little more enjoyable. After sending your information, your coverage is rated with multiple companies and you can pick any one of the pricing results. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process can be completed in a matter of minutes and can result in significant savings.

To save time and get comparison pricing now, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you replicate your coverages identical to your current policy. This makes sure you will have an apples-to-apples comparison for the exact same coverage.

Are you getting all your discounts?

Companies that sell car insurance don’t always publicize every discount in an easy-to-find place, so the following is a list of both well-publicized as well as the least known ways to save on insurance coverage. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiring. It can save you around 10%.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Accident Waiver – Certain companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on E-150 coverage with a few insurance coverage companies.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings of more than 20%.
  • Life Insurance – Some companies give a break if you buy life insurance from them.
  • Homeowners Discount – Owning a home may earn you a small savings because owning a home is proof that your finances are in order.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

Consumers should know that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

For a list of insurers with the best insurance coverage discounts, click this link.

When might I need an agent?

When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Does liability extend to a camper or trailer?
  • Does medical payments coverage apply to all occupants?
  • What is high-risk coverage and where do I buy it?
  • Do I have coverage when using my vehicle for my home business?
  • Are my tools covered if they get stolen from my vehicle?
  • What is UM/UIM insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need more liability coverage?
  • What is an SR-22 filing?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Insurance coverage options for a 1998 Ford E-150

Understanding the coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance

This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, damage from getting keyed and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

This coverage can cover damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like structural damage, legal defense fees, repair bills for other people’s vehicles, funeral expenses and bail bonds. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses such as pain medications, dental work and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Ford E-150.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision coverage protection

Collision coverage will pay to fix damage to your E-150 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Quote more, save more

Lower-priced 1998 Ford E-150 insurance is available online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

You just read a lot of tips how to shop for insurance online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the best price on insurance coverage is with the smaller companies.

When shopping online for insurance coverage, you should never reduce coverage to reduce premium. In too many instances, consumers will sacrifice liability limits or collision coverage to discover at claim time that it was a big error on their part. Your strategy should be to find the BEST coverage at the best price while not skimping on critical coverages.

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