View 1998 Ford E-250 Car Insurance Quotes

Want the cheapest auto insurance rates for your Ford E-250? Comparison shopping for auto insurance is always a challenge for beginners to buying insurance online. People have so many options that it can easily become a real hassle to compare prices.

The purpose of this article is to introduce you to the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you will be able to save some money using these tips. Nevertheless, drivers do need to learn the way companies sell online and apply this information to your search.

How to Get Cheap Insurance Coverage

There are a variety of methods to compare 1998 Ford E-250 insurance coverage prices but some are less time-consuming than others. You could waste time talking to insurance companies in your area, or you can stay home and use the internet to get prices fast.

Many companies enroll in a system where prospective buyers submit their information once, and at least one company then returns a price quote for coverage. This eliminates the need for quotation requests to each company.

To compare 1998 Ford E-250 rates now click here (opens in new window).

The one disadvantage to using this type of form is you can’t choose the providers to get quotes from. So if you prefer to choose individual companies to request quotes from, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples information for each price quote. If each company quotes different limits and deductibles on each one it’s not possible to determine which rate is truly the best. Slightly different insurance coverages can result in a big premium difference. And when price shopping your coverage, quoting more will increase your chances of finding a better price.

These factors can influence what you pay for Ford E-250 insurance

Consumers need to have an understanding of the factors that help determine car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

The following are a partial list of the pieces that factor into premiums.

  • One company can mean more discounts – Many companies provide better rates to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to shop around to make sure you are getting the best deal.
  • High credit ratings translate to low rates – A driver’s credit score is a large factor in your rate calculation. People with excellent credit tend to be more responsible than those with lower credit ratings. So if your credit rating is low, you could save money insuring your 1998 Ford E-250 by improving your rating.
  • Rates may be lower depending on your job – Did you know that where you work can have an impact on rates? Careers like real estate brokers, architects and stock brokers tend to have the highest rates attributed to high stress and lots of time spent at work. On the other hand, occupations such as scientists, students and performers receive lower rates on E-250 coverage.
  • Where you live – Being located in a small town is a positive aspect when it comes to car insurance. Lower population means reduced accidents. Drivers who live in large cities have to deal with more traffic problems and longer commute times. More time on the road translates into higher accident risk.
  • More miles equals more premium – Driving more miles in a year the higher your rates will be. The majority of insurers rate vehicles based on how the vehicle is used. Autos left parked in the garage can get a lower rate than those used for commuting. An improperly rated E-250 may be costing you. Make sure your car insurance coverage shows the proper vehicle usage, because it can save money.
  • Your car’s features help determine rates – Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.

Discounts on Ford E-250 insurance

Car insurance is not cheap, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied when you quote, but a few need to be asked for before you get the savings.

  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • 55 and Retired – Older drivers may be able to get a small decrease in premiums on E-250 coverage.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off on E-250 coverage with select insurance companies.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Save with a New Car – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Student in College – Any of your kids living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Keeping the miles down on your Ford can earn a substantially lower rate.

It’s important to note that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, you won’t be that lucky. But all discounts will reduce your premiums.

Insurance companies that may have these benefits are:

Before buying, ask each company which discounts they offer. Savings might not be offered in your area.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if you may require specific advice.

  • Does liability extend to a camper or trailer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I have a commercial auto policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my Ford E-250 covered if I use it for business?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Information about specific coverages

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Liability coverage

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as structural damage, medical expenses, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage pay for expenses like pain medications, ambulance fees and surgery. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, hail damage and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford E-250.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, hitting a parking meter, crashing into a building and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

More quotes mean more savings

We’ve covered quite a bit of information on how to reduce 1998 Ford E-250 insurance prices online. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a small local company.

Budget-conscious insurance can be found from both online companies and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide online price quotes and these small insurance companies work with independent agents.

Consumers leave their current company for any number of reasons including policy cancellation, high rates after DUI convictions, policy non-renewal or even questionable increases in premium. Regardless of your reason for switching companies, finding the right insurance provider is less work than it seems.

More detailed insurance information is located at these sites: