Ford E-150 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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You have many choices when looking for the best insurance on your Ford E-150. You can buy direct from an insurance agent or price shop online to compare pricing from many different companies. Shopping for car insurance from online companies is simple to do, in addition you may find lower rates.

Comparing car insurance rates direct online can be complicated if you have never used online quoting. But don't be discouraged because we're going to show you how. The are a couple different ways to compare rate quotes from car insurance companies in your area. The best way to find the lowest Ford E-150 insurance cost consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine Ford E-150 insurance rates

Insurance premiums on a Ford E-150 can fluctuate considerably subject to many criteria. A few of these criteria are:

  • More performance equals higher cost
  • Accidents raise premiums
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Optional coverages like vehicle replacement
  • Your job
  • The amount of protection requested
  • Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a much lower replacement value compared to new E-150 models so the cost to replace them can decrease annual premiums. But new E-150 models have more advanced features including forward-collision avoidance, automatic crash notification, and tire pressure monitors which may provide discounts that lower premiums.

Liability coverage

Ford E-150 liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your Ford E-150 can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.

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