1992 Ford E-250 Insurance Quotes – 8 Tips for Cheapest Rates

Want better car insurance rates for your Ford E-250? Buying the lowest cost car insurance over the internet can seem to be problematic for consumers not familiar with buying insurance online. With such a large number of companies in the marketplace, how can you even start to compare them all to find the best pricing?

Shopping for the cheapest auto insurance can be fairly easy. Just about anyone who shops for auto insurance most likely will be able to lower their premiums. But consumers must comprehend how big insurance companies determine prices and take advantage of how the system works.

How to Lower Your Insurance Cost

There are several ways of comparing rate quotes from different insurance companies. The simplest method to find the lowest 1992 Ford E-250 rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The most efficient way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for repetitive form submissions to each individual insurance company. One simple form will return quotes from all major companies. This is by far the quickest method.
A more time consuming way to obtain and compare quotes online requires a visit to each company website to request a price quote. For example, let’s say you want comparison quotes from State Farm, Geico and GMAC. You would have to go to every website to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but make absolute certain that you use apples-to-apples coverage information with every price quote. If you compare different values for each quote you can’t possibly make a fair comparison for your Ford E-250. Having just a slight variation in limits can mean a large discrepancy in price. And when quoting insurance, remember that obtaining a wide range of quotes helps locate the best price.

Companies offer discounts so take them!

Insuring your vehicles can cost a lot, but companies offer discounts to cut the cost considerably. Some trigger automatically at the time of purchase, but a few must be specifically requested before they will apply.

Bundle and Save – When you have multiple policies with one insurance company you may earn up to 20% off your total premium.
Organization Discounts – Participating in a professional or civic organization could trigger savings when shopping for auto insurance on E-250 coverage.
Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on E-250 coverage with a few auto insurance companies.
Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on E-250 coverage.
Accident Forgiveness – A few companies allow you one accident without raising rates if you are claim-free for a set time period.
No Accidents – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
Resident Student – Youth drivers who live away from home and do not have access to a covered vehicle may be able to be covered for less.

Consumers should know that most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will bring down your overall premium however.

For a list of companies with discount auto insurance rates, click here to view.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether you may require specific advice.

Can I make deliveries for my home business?
Is rental equipment covered for theft or damage?
Is my camper covered by my car insurance policy?
When would I need rental car insurance?
Does my policy cover me when driving someone else’s vehicle?
When would I need additional glass coverage?
Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverage specifics

Having a good grasp of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, damage from a tornado or hurricane, rock chips in glass, a tree branch falling on your vehicle and falling objects. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for chiropractic care, funeral costs, X-ray expenses, ambulance fees and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays for damage to your E-250 caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford E-250.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Auto liability insurance

This provides protection from injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL 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 emergency aid, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Compare but don’t skimp

We just presented quite a bit of information on how to save on 1992 Ford E-250 insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with some of the lesser-known companies.

Drivers change insurance companies for a variety of reasons including delays in paying claims, unfair underwriting practices, denial of a claim or even high prices. It doesn’t matter what your reason, finding a new car insurance company can be easy and end up saving you some money.

Cheaper insurance can be purchased from both online companies in addition to many insurance agents, so you should compare both to have the best selection. A few companies do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.