View 1991 Ford F-350 Insurance Quotes

Finding the most affordable insurance on the internet can seem to be intimidating for people who are new to buying insurance online. Because there are so many companies competing online, how can drivers even start to compare every one to find the best pricing?

It is always a good idea to take a look at other company’s rates on a regular basis because rates change quite often. Even if you got the best price for F-350 coverage a year ago a different company probably has better rates today. Forget all the misinformation about insurance because you’re about to learn the easiest way to get good coverage at a lower rate.

If you currently have car insurance, you should be able to reduce your rates substantially using this information. This article will help you learn how to effectively get price quotes. But vehicle owners must understand the methods companies use to determine prices and use this information to your advantage.

How to Get Cheap Auto Insurance

There are a variety of methods to compare 1991 Ford F-350 auto insurance prices but there is one way that is more efficient than others. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Many companies take part in a program that allows shoppers to submit their information once, and every company then gives them pricing determined by their information. This system prevents you from having to do quote requests for each company you want a rate for.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to pricing coverage this way is that you can’t choose which carriers you want pricing from. So if you want to choose specific providers to request quotes from, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using exactly the same deductibles and coverage limits with every price quote. If the quotes have differing limits it’s not possible to make an equal comparison. Slightly different limits can result in a big premium difference. And when quoting auto insurance, remember that more quotes helps you find the best rates.

Save big with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be manually applied prior to receiving the credit.

  • College Student – Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Early Signing – Some companies give discounts for switching policies prior to your current policy expiration. This can save 10% or more.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.

Consumers should know that some credits don’t apply to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you’re out of luck. Any amount of discount will bring down the amount you have to pay.

To see a list of insurers with the best car insurance discounts, click here.

But I don’t know anything about car insurance

When buying adequate coverage, there really is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

  • Is my cargo covered for damage or theft?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are rock chip repairs covered?
  • Do I really need UM/UIM coverage?
  • Is my Ford F-350 covered if I use it for business?
  • What can I do if my company denied a claim?
  • Do I need replacement cost coverage?
  • Should I have a commercial auto policy?
  • Can I get a multi-policy discount?
  • Is my custom paint covered by insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

These factors can influence Ford F-350 insurance rates

It’s important that you understand the factors that go into determining the price you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that can help you get big savings.

Listed below are a partial list of the pieces car insurance companies consider when setting your rates.

  • Proper usage rating affects rates – Driving more miles every year the higher your rates will be. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Improper usage on your F-350 may be wasting your money. Double check that your car insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
  • Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Better credit means lower rates – A driver’s credit history is a big factor in determining your rates. If your credit score is not that good, you could pay less to insure your 1991 Ford F-350 by repairing your credit. People with good credit tend to be more responsible than drivers with lower credit scores.
  • How your age affects price – Youthful drivers are statistically proven to get distracted easily in a vehicle so car insurance rates are higher. Mature drivers are more responsible, file fewer claims and receive fewer citations.
  • Liability insurance protects assets – Liability coverage is the protection in the event that you are found to be at fault for damages from an accident. Liability provides legal defense which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Frequent car insurance claims increase rates – If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies award lower rates to insureds who file claims infrequently. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Don’t let your coverage lapse – Not having insurance is a misdemeanor and car insurance companies will penalize you for letting your coverage have a gap. And not only will your rates increase, but not being able to provide proof of insurance may earn you a license revocation or jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles protect occupants better and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Ford F-350 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Car insurance 101

Knowing the specifics of your car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, damage from getting keyed, a tree branch falling on your vehicle, fire damage and vandalism. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills for things like nursing services, prosthetic devices and funeral costs. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This pays for damage to your F-350 from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, crashing into a building, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-350.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits do not exceed the liability coverage limits.

Auto liability

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair costs for stationary objects, medical expenses, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Shop. Compare. Save.

Insureds switch companies for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, unfair underwriting practices and delays in paying claims. No matter why you want to switch, switching insurance coverage companies is not as difficult as it may seem.

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price.

Affordable 1991 Ford F-350 insurance can be purchased both online and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Even more information is available in these articles: