Lower Your 1996 Ford F-350 Car Insurance Cost

Are you sick and tired of paying out the nose each month for car insurance? You are in the same boat as millions of other consumers.

Big companies like Progressive, State Farm and GEICO continually hit you with advertising and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It’s smart to compare rates occasionally since insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price on F-350 insurance on your last policy there may be better deals available 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 get good coverage at a lower rate.

Don’t overlook these discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply at quote time, but some may not be applied and must be manually applied prior to receiving the credit.

  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford can earn lower rates on the low mileage vehicles.
  • Senior Citizens – Older drivers may receive better insurance coverage rates on F-350 insurance.
  • Organization Discounts – Belonging to certain professional organizations is a good way to get lower rates on insurance coverage on F-350 insurance.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Seat Belt Usage – Requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It can save you around 10%.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.

Drivers should understand that most credits do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way. But all discounts will cut the amount you have to pay.

For a list of insurance companies offering insurance coverage discounts, follow this link.

How to Compare Insurance Costs

There are several ways to compare Ford F-350 insurance quotes, but one way is more efficient than others. You can spend countless hours driving to agents in your area, or you can utilize online quoting to quickly compare rates.

Many companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and each company returns a competitive quote. This eliminates the need for quote requests for every insurance company. To compare 1996 Ford F-350 rates now click to open in new window.

The only drawback to pricing coverage this way is you are unable to specify which insurance companies you want pricing from. So if you want to select specific providers for rate comparison, we have a listing of low cost insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you are comparing the exact same coverage information for every company. If you compare mixed coverages it will be impossible to make a fair comparison for your Ford F-350. Having just a slight variation in coverage limits may result in a large different in cost. Keep in mind that obtaining a wide range of quotes helps you find a lower rate.

Is my situation unique?

When choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. For example, these questions may help highlight if you might need an agent’s assistance.

  • Is my 1996 Ford F-350 covered for flood damage?
  • Am I getting all the discounts available?
  • Should I buy full coverage?
  • When would I need additional glass coverage?
  • Do I need more liability coverage?
  • Should I bundle my homeowners policy with my auto?
  • How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance policy specifics

Understanding the coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Uninsured or underinsured coverage – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford F-350.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for bills such as doctor visits, nursing services, EMT expenses and hospital visits. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, hitting a bird and hitting a deer. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – This covers damage to your F-350 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, scraping a guard rail, colliding with a tree and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability – Liability insurance protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as repair costs for stationary objects, loss of income and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

More choices the merrier

When trying to cut insurance costs, never reduce coverage to reduce premium. There are many occasions where drivers have reduced uninsured motorist or liability limits and learned later that it was a big mistake. Your strategy should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Budget-conscious 1996 Ford F-350 insurance is available from both online companies in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not provide online quoting and these smaller companies work with independent agents.

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