Cheap 1996 Ford F-350 Insurance Rates

Sick and tired of sacrificing to insure your Ford every month? You have the same problem as the majority of other drivers. Multiple insurers compete for your business, so it’s not easy to compare every company to find the lowest price

If you have a policy now or are shopping for new coverage, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need an understanding of the best way to compare company rates over the internet.

How to buy car insurance

Cutting your car insurance rates is an easy way to save money. Just take the time getting comparison quotes from online providers. This can be accomplished using one of these methods.

Experts agree that the best way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do boring form submissions for each price estimate. Taking the time to complete one form gets prices estimates from multiple companies.

A more difficult way to compare prices requires you to visit each individual company website to request a price quote. For sake of this example, we’ll assume you want to view quotes from Liberty Mutual, Safeco and GEICO. In order to get each rate, you would have to go to each individual site and enter your policy data, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

Which method you use is up to you, but do your best to use the same coverages and limits on every price quote you get. If you are comparing different deductibles you can’t possibly determine which rate is truly the best.

Earn discounts to get lower-cost insurance quotes

Car insurance is not cheap, but you may be missing some discounts that you may not even know about. Some trigger automatically when you quote, but occassionally some discounts must be manually applied prior to getting the savings.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
  • Homeowners Savings – Just being a homeowner can save a few bucks since owning and maintaining a home is proof that your finances are in order.
  • Sign Online – A few insurance companies will give a small break for signing up over the internet.
  • Low Mileage – Fewer annual miles on your Ford could qualify for discounted rates on garaged vehicles.
  • Payment Method – By paying your entire bill at once instead of making monthly payments you could save up to 5%.

As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The best insurance companies and a selection of discounts are detailed below.

  • American Family offers discounts including early bird, good student, accident-free, air bags, and defensive driver.
  • State Farm may include discounts for good student, anti-theft, multiple policy, multiple autos, good driver, and safe vehicle.
  • 21st Century policyholders can earn discounts including defensive driver, teen driver, automatic seat belts, homeowners, good student, theft prevention, and air bags.
  • Travelers may offer discounts for driver training, early quote, payment discounts, continuous insurance, and save driver.
  • GEICO may have discounts that include anti-lock brakes, membership and employees, driver training, emergency military deployment, and good student.

Before purchasing a policy, check with all companies you are considering how you can save money. Discounts may not apply to policies in your area. To view insurance companies with the best discounts, click here.

How your F-350 insurance costs are determined

Multiple criteria are taken into consideration when quoting car insurance. Some are obvious such as traffic violations, but other factors are less apparent like your continuous coverage or your financial responsibility.

The items below are a few of the things used by companies to determine rates.

  • Cheaper car insurance rates for prior coverage – Allowing your coverage to lapse can be a fast way to pay more for car insurance. And not only will insurance be more expensive, getting caught without coverage may result in a license revocation or jail time.
  • Occupation reflects on premiums – Occupations like fire fighters, architects and financial analysts are shown to have higher average rates in part from high stress levels and incredibly demanding work hours. On the flip side, jobs such as farmers, athletes and performers pay lower than average rates on F-350 coverage.
  • Liability insurance risk factors in – Your policy’s liability coverage is the coverage that protects you if ever a jury decides you are liable for physical damage or personal injury to other. Liability provides legal defense to attempt to prove you were not liable. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Single drivers may pay higher premiums – Having a wife or husband may cut your premiums when buying car insurance. It usually means you are more financially stable and insurance companies reward insureds because married couples file fewer claims.
  • Combine policies with the same company – Many insurers apply lower prices to clients that purchase more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare other company rates to help ensure you have the lowest rates.
  • Safer cars means better car insurance rates – Cars with high safety ratings get lower rates. These vehicles have better occupant injury protection and fewer serious injuries means lower claim amounts and more competitive rates for policyholders.
  • Your address can push rates up or down – Choosing to live in a small town can be a good thing when trying to find low car insurance rates. People in densly populated areas have to deal with more aggressive driving styles and longer commutes to work. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft.
  • Accidents cost more than a fine – A bad driving record can have a huge impact on auto insurance premiums. Just one ticket can boost insurance rates to the point where it’s not affordable. Drivers with clean records receive lower rates compared to bad drivers. Drivers who get serious citations like DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 form with their state in order to prevent a license revocation.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For instance, these questions might help in determining if your situation will benefit from professional help.

  • Are rock chip repairs covered?
  • When should I remove comp and collision on my 1996 Ford F-350?
  • Is my Ford F-350 covered if I use it for business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my 1996 Ford F-350 need full coverage?
  • Am I covered if I wreck a rental car?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I rate my 1996 Ford F-350 as pleasure use or commute?
  • Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance coverages for a Ford F-350

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on most car insurance policies.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford F-350.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto liability

Liability insurance protects you from damage that occurs to a person or their property. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as bail bonds, loss of income, medical expenses and funeral expenses. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, damage from getting keyed and damage from flooding. The maximum amount you’ll receive from a claim 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.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like rehabilitation expenses, nursing services, X-ray expenses and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Shop. Compare. Save.

Throughout this article, we presented a lot of ways to reduce 1996 Ford F-350 insurance rates online. The key concept to understand is the more companies you get auto insurance rates for, the higher your chance of finding low cost insurance. Consumers could even find that the lowest rates come from a small local company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

Lower-priced car insurance can be bought both online and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and many times these regional insurance providers only sell through local independent agents.

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