Cheapest 1998 Ford E-350 Insurance Rates in 2024

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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 3, 2023

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Trying to find lower insurance coverage rates for your Ford E-350? Confused by the dozens of insurance coverage options? Lot’s of other consumers are too. There are so many options that it can turn into a challenge to find better rates.

Finding the best coverage is simple if you know the tricks. In a nutshell, anyone who carries insurance stands a good chance to be able to find lower rates. Although drivers must comprehend how the larger insurance companies market insurance on the web and apply this information to your search.

Policy discounts you shouldn’t miss

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but a few must be specifically requested before you get the savings.

  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less for E-350 insurance than drivers with accidents.
  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Paperwork-free – A few companies will give a small break for buying a policy and signing up digitally online.
  • No Claims – Claim-free drivers pay much less when compared with frequent claim filers.
  • Good Student – Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.

As a disclaimer on discounts, some of the credits will not apply the whole policy. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. Any amount of discount will cut the cost of coverage.

Car insurance companies that may offer some of the above discounts are:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

Low Cost Insurance Coverage

When shopping for insurance coverage there are multiple ways to compare rate quotes and find the best price. The best way to find the lowest 1998 Ford E-350 rates consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

  1. The most efficient way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This type of form keeps you from doing separate quotes for each company you want a rate for. Completing one form will get you price quotes from all major companies. This is by far the quickest method.
  2. A slightly less efficient method to find lower rates consists of going to each company’s website to request a price quote. For examples sake, we’ll assume you want to compare rates from Auto-Owners, GEICO and American Family. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make sure you use the exact same deductibles and coverage limits with every price quote. If each company quotes higher or lower deductibles it will be next to impossible to make a fair comparison for your Ford E-350. Slightly different limits can make a big difference in price. And when price shopping your coverage, comparing a large number of companies helps you find the best rates.

These factors can influence Ford E-350 insurance rates

Consumers need to have an understanding of the factors that go into determining the price you pay for insurance coverage. Understanding what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Save money with special equipment – Driving a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Males pay more for insurance – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. They both cause accidents in similar numbers, but the men have costlier accidents. Men also statistically get cited for more serious violations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive insurance coverage rates.
  • Your spouse saves you money – Getting married can actually save you money on insurance coverage. Marriage translates into being more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • How’s your driving record? – Your driving citation history impacts your car insurance rates tremendously. Just one citation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • The more you drive the more you pay – The more you drive in a year the more you will pay for insurance coverage. The majority of insurers rate vehicles determined by how the vehicle is used. Cars not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your E-350 may be costing you. Ask your agent if your insurance coverage policy is showing the correct driver usage.

Insurance agents can help

When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions might help in determining whether or not you may require specific advice.

  • How much can I save by bundling my policies?
  • Should I have a commercial auto policy?
  • If I drive on a suspended license am I covered?
  • Is my camper covered by my car insurance policy?
  • Does medical payments coverage apply to all occupants?
  • What is roadside assistance coverage?
  • Do I need an umbrella policy?
  • Does having multiple vehicles earn me a discount?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Information about specific coverages

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for X-ray expenses, surgery, hospital visits and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford E-350.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability – This protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Collision – This coverage will pay to fix damage to your E-350 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, backing into a parked car, hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, rock chips in glass and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

In Summary

When you buy insurance online, you should never skimp on coverage in order to save money. In too many instances, someone sacrificed physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible for the lowest price while still protecting your assets.

In this article, we presented a lot of information how to compare 1998 Ford E-350 insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising.

Cheap insurance can be bought on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide online price quotes and these smaller companies work with independent agents.

More tips and info about insurance coverage can be read at these sites:

Frequently Asked Questions

How can I find the cheapest insurance for my 1998 Ford E-350?

To find the cheapest insurance for your 1998 Ford E-350, you can follow these steps:

  1. Compare quotes: Obtain insurance quotes from multiple insurance providers. You can use online comparison tools or contact insurance agents directly.
  2. Research discounts: Inquire about available discounts for your specific circumstances. Some insurers offer discounts for safe driving records, multiple policies, or vehicle safety features.
  3. Opt for higher deductibles: Choosing a higher deductible can lower your insurance premium. Just make sure you can afford to pay the deductible if you need to make a claim.
  4. Maintain a good driving record: A clean driving history with no accidents or traffic violations can help you secure lower insurance rates.
  5. Consider the coverage you need: Evaluate your insurance needs and consider the level of coverage you require. Depending on your circumstances, you may opt for liability-only coverage or add comprehensive and collision coverage.

Are there any specific factors that can affect the insurance cost for a 1998 Ford E-350?

Yes, several factors can affect the insurance cost for a 1998 Ford E-350. Some of the key factors include:

  • Vehicle value: The market value of your 1998 Ford E-350 can impact the insurance cost. Higher-value vehicles often come with higher premiums.
  • Age and condition of the vehicle: Older vehicles like a 1998 Ford E-350 may have lower insurance costs compared to newer models due to their lower value and potentially less expensive parts.
  • Driver’s history: Your driving history and record, including any previous accidents or traffic violations, can influence your insurance premiums.
  • Coverage options: The level of coverage you choose, such as liability-only or comprehensive coverage, will impact the insurance cost.
  • Location: Where you live can affect insurance rates. Areas with higher rates of accidents, theft, or vandalism may result in higher premiums.
  • Deductible amount: The deductible you select can affect your insurance premium. Higher deductibles typically lead to lower premiums, but it means you’ll have to pay more out of pocket in case of a claim.

Can I get discounts on insurance for my 1998 Ford E-350?

Yes, you may be eligible for discounts on insurance for your 1998 Ford E-350. Some common discounts include:

  • Safe driver discount: Insurance providers often offer lower rates for drivers with a clean driving record, free from accidents or traffic violations.
  • Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and home insurance, you may be eligible for a discount.
  • Anti-theft devices: Installing anti-theft devices in your vehicle can reduce the risk of theft and may qualify you for a discount.
  • Vehicle safety features: If your 1998 Ford E-350 has safety features such as airbags, anti-lock brakes, or an alarm system, you may be eligible for a discount.
  • Good student discount: If you or a family member on the policy is a student with good grades, you may qualify for a discount.

What type of coverage is recommended for a 1998 Ford E-350?

The type of coverage recommended for a 1998 Ford E-350 depends on your individual circumstances and needs. However, it’s generally recommended to consider at least the following types of coverage:

  • Liability insurance: This coverage is typically required by law and helps cover the costs of damages and injuries to others if you are at fault in an accident.
  • Comprehensive insurance: This coverage protects against non-collision-related damage to your vehicle, such as theft, vandalism, or damage caused by natural disasters.
  • Collision insurance: Collision coverage helps pay for repairs or replacement of your vehicle in the event of a collision, regardless of fault.

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