1995 Ford F-350 Insurance Quotes – 9 Tips to Save

Searching for lower auto insurance rates for your Ford F-350? Have you fallen victim to overpriced auto insurance? Trust us, you are not the only one feeling buyer’s remorse.

There are many car insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more difficult to get the best deal.

It’s smart to get comparison quotes occasionally since rates are rarely the same from one policy term to another. If you had the lowest price for F-350 coverage two years ago you can probably find a better price now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to how to use the internet to find the best coverage while lowering your premiums.

This information will instruct you on how to effectively get price quotes and some tricks to saving. If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. But drivers benefit from understanding the methods companies use to price online insurance and take advantage of how the system works.

Car Insurance Comparison Rates

To find the best car insurance prices, there are several ways of comparing price quotes from car insurance companies in your area. The best method to find the lowest 1995 Ford F-350 rates involves getting comparison quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The fastest way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do separate forms for every car insurance company. A single form will get you rate comparisons from all major companies.

A slightly less efficient method to get quotes online requires a trip to each company’s website to complete a price quote. For examples sake, we’ll pretend you want to compare Progressive, Safeco and State Farm. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.

However you get your quotes, make sure you use identical coverage information for every company. If each company quotes mixed coverages you will not be able to truly determine the lowest rate. Quoting even small variations in coverages may result in a large different in cost. And when quoting car insurance, remember that having more price comparisons gives you a better chance of getting lower pricing.

When might I need help?

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • Does my insurance cover my expensive audio equipment?
  • What is PIP insurance?
  • How much liability do I need to cover my assets?
  • What discounts do I qualify for?
  • When should I not file a claim?
  • Is my ex-spouse still covered by my policy?
  • Should I buy only the required minimum liability coverage?
  • What exactly is covered by my policy?
  • Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance coverage options for a Ford F-350

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are the usual coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Ford F-350.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, vandalism and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like legal defense fees, bail bonds, loss of income, repair costs for stationary objects and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for collisions

This pays for damage to your F-350 caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, crashing into a building, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills such as funeral costs, pain medications, rehabilitation expenses, surgery and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay