Paying for high-priced Ford E350 Super Duty insurance can empty your checking account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Lots of car insurance companies contend to insure your vehicles, so it’s not easy to compare every provider and get the best coverage at the best rates possible.
If you are insured now or are looking for a new policy, you can follow these tips to cut your premiums while maintaining coverages. Finding affordable coverage is not that difficult. Drivers only need an understanding of the most efficient way to get comparison quotes on the web.
How to Get Auto Insurance
There are several ways you can shop for auto insurance and some are less labor-intensive and much quicker. You can waste hours talking to agents in your area, or you can stay home and use the web to achieve your goal.
All the larger companies belong to a marketplace where insurance shoppers enter their coverage request one time, and each participating company returns a competitive quote determined by their information. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.
To compare rates using this form now click here to start a free quote.
The one disadvantage to using this type of form is you are unable to specify the providers you want pricing from. If you would rather choose from a list of companies to request quotes from, we have a page of low cost auto insurance companies in your area. Click here to view list.
Whichever method you choose, make sure you use apples-to-apples coverages and limits with each company. If your comparisons have different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Ford E350 Super Duty.
You probably qualify for some discounts
Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be specially asked for before being credited. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.
- Government Employees – Employees or retirees of the government can earn a discount up to 10% for E350 Super Duty coverage depending on your company.
- Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
- Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.
- New Vehicle Savings – Adding a new car to your policy can save up to 30% compared to insuring an older model.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
- Military Rewards – Being deployed with a military unit can result in better rates.
It’s important to understand that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will bring down your overall premium however.
To see a list of companies with the best auto insurance discounts, click here to view.
Quote online but still have a local agent
A small number of people just want to buy from a local agent and that is a personal choice. Professional agents can help determine the best coverages and help in the event of a claim. One of the best bonuses of comparing rates online is you can get the lowest rates but still work with a licensed agent. And providing support for local insurance agencies is definitely important if you live in a smaller city or town.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is transmitted to agents in your area who will compete for your business. There is no need to leave your house as quotes are delivered straight to your inbox. How’s that for easy!
The difference between insurance agencies
When researching local agents, there are two different agency structures that differ in how they can insure your vehicles. Agencies are either captive or independent. Both types can write coverage properly, but it’s worth learning the difference between them since it can impact the type of agent you choose
Independent Insurance Agents
Independent agents are not employed by any specific company so they can insure your vehicles with many different companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part.
When shopping rates, you should always include price quotes from several independent insurance agents for maximum quote selection.
Agency Captives
Captive agents work for only one company and examples are Allstate, AAA, Liberty Mutual and State Farm. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Captive agents are usually quite knowledgeable on the products they sell and that can be a competitive advantage.
For a complete listing of insurance agents, visit this page.
Picking an auto insurance agent requires more thought than just the premium amount. Some important questions to ask are:
- How much can you save by raising your physical damage deductibles?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they review policy coverages at every renewal?
- How long has their agency been open?
- Can they give you a list of client referrals?
Upon getting answers to your satisfaction for all questions you ask in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that can properly insure your vehicles.
Save 15 percent in 15 minutes? Is it for real?
Consumers constantly see and hear ads for the lowest price auto insurance from the likes of Allstate, GEICO and Progressive. They all make an identical promise about savings if you change your coverage to them.
How do they all claim to save you money? This is how they do it.
All the different companies are able to cherry pick for the driver that earns them a profit. An example of a driver they prefer might be over the age of 40, owns a home, and chooses high deductibles. Any new insured who meets those qualifications will get very good rates and therefore will cut their rates substantially.
Potential insureds who fall outside these standards will have to pay higher premiums and ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” save that much money. That’s why companies can make those claims.
Because of the profiling, you absolutely need to get as many quotes as possible. You cannot predict which auto insurance company will have the lowest rates.
Parts of your auto insurance policy
Learning about specific coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.
Comprehensive auto insurance – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like theft, rock chips in glass and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Coverage for medical expenses – Med pay and PIP coverage provide coverage for expenses such as surgery, EMT expenses, ambulance fees, X-ray expenses and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible
Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Liability coverages – This provides protection from damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers things such as pain and suffering, legal defense fees and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.
Collision – Collision insurance pays for damage to your E350 Super Duty caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, backing into a parked car, colliding with a tree and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.
Final thoughts
Affordable Ford E350 Super Duty insurance is attainable online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.
As you restructure your insurance plan, never reduce needed coverages to save money. There are too many instances where an accident victim reduced liability limits or collision coverage and learned later that it was a big mistake. Your focus should be to purchase plenty of coverage at a price you can afford.
