1998 Ford E-250 Insurance Quotes – 6 Discounts for Best Rates

Shoppers have a choice when shopping for low-cost Ford E-250 insurance. They can either waste time driving around getting price quotes or use the internet to get rate quotes.

There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the absolute fastest way to get price quotes for a Ford and find the best price possible.

This information will let you in on how to effectively get price quotes. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Drivers just need to know the proper way to get comparison quotes online.

Automobile Insurance Quotes

Finding a better price on insurance doesn’t have to be difficult. You just need to take a few minutes getting comparison quotes online with multiple companies. This can be accomplished in a couple of different ways.

  • The best way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form prevents you from having to do a different quote to each individual insurance company. Taking the time to complete one form will return quotes from several companies. This is by far the quickest method.
  • A slightly less efficient method to compare rate quotes requires you to visit each company’s website and fill out their own quote form. For sake of this example, let’s assume you want to compare Auto-Owners, Geico and GMAC. To find out each rate you need to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  • The most time-consuming way of getting rate comparisons is driving to insurance agents’ offices. Shopping for insurance online makes this process obsolete unless you prefer the trained guidance only provided by licensed agents. It is possible to comparison shop online and still use a local agent and we’ll cover that in a bit.

Whichever method you choose, be sure to compare apples-to-apples coverage limits with each company. If you are comparing unequal deductibles or liability limits it will be next to impossible to decipher which rate is best.

Do you qualify for these six discounts?

Insuring your fleet can be pricey, but you may find discounts to help bring down the price. Most are applied at the time of purchase, but less common discounts must be asked about before they will apply. If you’re not getting every credit available, you’re just leaving money on the table.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could be rewarded with a substantially lower rate.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company could earn a price break for each car.
  • 55 and Retired – If you’re over the age of 55, you may qualify for reduced rates on E-250 insurance.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on E-250 insurance depending on your company.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will help reduce your overall premium however.

Companies that may offer some of the above discounts may include but are not limited to:

Double check with each company what discounts are available to you. Discounts might not be offered in your state.

Don’t assume everyone needs the same coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Why do I only qualify for high-risk insurance?
  • Is my nanny covered when driving my vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when using my vehicle for my home business?
  • Does having multiple vehicles earn me a discount?
  • How does medical payments coverage work?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Misconceptions in auto insurance advertisements

Drivers can’t ignore all the ads for cheaper car insurance by State Farm and Allstate. They all seem to have a common claim of big savings if you move to their company.

How does each company say the same thing?

Insurance companies are able to cherry pick for the type of customer they prefer to insure. A good example of a driver they prefer might be profiled as between 25 and 40, has no driving citations, and drives newer vehicles. A propective insured who fits that profile will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t meet this ideal profile will be quoted higher prices and this can result in business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. This is how companies can truthfully claim big savings.

This emphasizes why drivers should compare as many rates as you can. You cannot predict the company that will provide you with the cheapest Ford E-250 insurance rates.

Insurance coverages and their meanings

Learning about specific coverages of a insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Ford E-250.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like dental work, nursing services, prosthetic devices and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance – This provides protection from damages or injuries you inflict on other people or property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as medical expenses, pain and suffering, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your E-250 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, crashing into a ditch, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, damage from getting keyed, vandalism and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Don’t be a big spender

Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, high prices, high rates after DUI convictions and even denial of a claim. Regardless of your reason for switching companies, finding a new insurance company is actually quite simple.

We just showed you many ways to lower your 1998 Ford E-250 insurance rates. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even find the best price on insurance is with the smaller companies.

Cheap insurance can be sourced both online in addition to many insurance agents, and you need to price shop both to have the best selection. Some companies do not provide online quoting and these small insurance companies work with independent agents.

Other articles