Save on 1993 Ford F-350 Car Insurance Quotes

Trying to find better car insurance rates for your Ford F-350? Searching for better insurance prices for your Ford F-350 can normally be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to shop for car insurance so we’re going to tell you the best way to get price quotes for a Ford and find the lowest possible price from both online companies and local agents.

Save money with these tips

An important part of buying insurance is that you know the rating factors that are used to determine the price you pay for insurance coverage. When you understand what influences your rates, this allows you to make educated decisions that may reward you with better insurance coverage rates.

The following are some of the major factors utilized by car insurance companies to help set your premiums.

  • Never let your insurance coverage policy lapse – Having an insurance coverage lapse can be a guaranteed way to increase your rates. And not only will insurance be more expensive, failure to provide proof of insurance can result in fines or a revoked license.
  • Do men or women drive better? – Over time, data shows that females take fewer risks when driving. Now that doesn’t mean men are WORSE drivers than women. Both genders cause accidents in similar numbers, but males have accidents that have higher claims. Men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 have the highest risk to insure and are penalized with high insurance coverage rates.
  • Poor credit decisions can cost you – Having a bad credit history is a big factor in determining what you pay for insurance coverage. Drivers who have high credit ratings tend to file fewer claims than those with bad credit. So if your credit is not that good, you could save money insuring your 1993 Ford F-350 by spending a little time repairing your credit.
  • Insurance coverage rates and age – More mature drivers are shown to be more cautious, cost insurance companies less in claims , and usually have better credit.Teen drivers have been known to be easily distracted when driving with friends so insurance coverage rates are higher.
  • Five star NHTSA crash test rating saves money – Vehicles with high crash test scores cost less to insure. Safe vehicles reduce injuries and fewer injuries means less money paid by your insurance company which can mean better rates for you. If your Ford F-350 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Where you live – Residing in less populated areas of the country has it’s advantages when trying to find low car insurance rates. Less people living in that area means reduced accidents and also fewer theft and vandalism claims. Drivers who live in large cities regularly have traffic congestion and a longer drive to work. More time on the road means higher likelihood of an accident.
  • Bundle and save – Most major insurance coverage companies will give a discount to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten percent or more. If you currently are using one company, consumers should still check prices from other companies to help guarantee you have the best rates.There is a chance you can find better rates by buying from different companies
  • Lower premiums with theft deterrents – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your insurance coverage. Anti-theft features like OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft.

Cheapest car insurance price quotes

Many insurance companies make it easy to get coverage prices directly from their websites. This process can be done by anyone as you simply type in your coverage information into the form. After you complete the form, their system will obtain your driving record and credit report and gives you a price quote based on these and other factors.

Online price quotes makes it a lot easier to compare rates but having to visit different websites and type in your information can be a bit repetitive. But it’s also necessary to perform this step in order to find the lowest price.

There is an easier way!

The smarter way to locate the lowest prices uses one form to obtain quotes from a bunch of companies at once. The form is fast, reduces the work, and makes online price comparison much easier to do. After sending the form, it is quoted with multiple companies and you can pick any of the resulting price quotes.

If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

To quickly find out what other companies charge, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you enter the coverage information as close as possible to your current policy. Using the same limits helps guarantee you will receive rate comparison quotes for the exact same coverage.

Car insurance savings promises

Consumers get pounded daily by advertisements that promise big savings for switching by companies like Progressive, GEICO, Allstate and State Farm. All the ads make an identical promise of big savings if you switch your coverage to them.

But how can every company cost less than your current company? Just pay attention to how they say it.

Many companies have specific characteristics for the type of customer they prefer to insure. An example of a profitable insured could possibly be between the ages of 40 and 55, carries full coverage, and drives less than 10,000 miles a year. Anyone who fits those characteristics gets the lowest prices and will also save quite a bit of money when switching.

People who do not meet the requirements will be charged higher prices and this can result in the customer buying from someone else. The trick companies use is to say “customers that switch” not “everyone who quotes” save money. That’s the way insurance companies can claim big savings.

This really emphasizes why you need to get car insurance quotes as often as possible. Because without a comparison, you cannot know which company will be your best fit.

Cheaper insurance coverage rates with discounts

Some insurers don’t necessarily list every discount in an easy-to-find place, so we researched some of the best known and the more hidden credits that you can use to lower your rates. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Sign Online – A handful of companies give back up to $50 simply for signing on your computer.
  • Membership in Organizations – Having an affiliation with a civic or occupational organization could earn you a nice discount on your bill.
  • Discounts for Multiple Vehicles – Buying insurance for primary and secondary vehicles on one policy may reduce the rate for each vehicle.
  • Defensive Driving Course – Taking time to complete a course teaching safe driver skills can save you 5% or more and easily pay for the cost of the class.
  • Save with a New Car – Insuring a new car can be considerably cheaper because newer vehicles keep occupants safer.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of more than 20%.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, you’re out of luck.

Larger insurance coverage companies and their possible discounts include:

  • State Farm offers discounts including good student, multiple autos, student away at school, Steer Clear safe driver discount, passive restraint, and Drive Safe & Save.
  • Farmers Insurance offers discounts for switch companies, youthful driver, electronic funds transfer, homeowner, multi-car, good student, and teen driver.
  • GEICO may offer discounts for federal employee, multi-policy, multi-vehicle, good student, and seat belt use.
  • American Family may have discounts that include Steer into Savings, TimeAway discount, accident-free, defensive driver, mySafetyValet, air bags, and early bird.
  • Nationwide may include discounts for easy pay, business or organization, defensive driving, good student, accident-free, and anti-theft.
  • Progressive discounts include multi-vehicle, good student, multi-policy, continuous coverage, and online signing.

Double check with all companies you are considering which discounts you may be entitled to. Discounts may not apply everywhere. To see a list of providers that can offer you the previously mentioned discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to buying coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions could help you determine if you will benefit from professional help.

  • Does my insurance cover a custom paint job?
  • Can I get a multi-policy discount?
  • How can I get high-risk coverage after a DUI?
  • Is my babysitter covered when using my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is extra glass coverage worth it?
  • When should I drop full coverage on my 1993 Ford F-350?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Specific coverage details

Having a good grasp of auto insurance aids in choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Collision protection

This pays for damage to your F-350 caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sustaining damage from a pot hole, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Ford F-350.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, fire damage, a broken windshield and vandalism. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like surgery, prosthetic devices, pain medications and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability coverages

Liability insurance can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair costs for stationary objects, medical expenses, bail bonds, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage on a shoestring budget

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. In too many instances, someone dropped full coverage only to discover later that they should have had better coverage. Your strategy should be to find the BEST coverage for the lowest cost while still protecting your assets.

We covered a lot of techniques to get a better price on 1993 Ford F-350 insurance. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding cheaper car insurance. You may even find the lowest prices are with some of the lesser-known companies.

A few companies do not offer online rate quotes and usually these smaller providers prefer to sell through local independent agents. Cheaper 1993 Ford F-350 insurance is available online as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.

Much more information about auto insurance is available at the links below