Compare 1999 Ford F-350 Super Duty Car Insurance Rates

No one likes having to buy insurance coverage, especially when they are paying too much.

Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the absolute lowest rate possible.

If you currently have a car insurance policy, you should be able to cut costs considerably using this information. Finding the best rates is not that difficult. Nevertheless, drivers can benefit by having an understanding of the methods companies use to price online insurance and apply this information to your search.

Factors that might impact rates for a Ford F-350 Super Duty

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with better insurance rates.

  • Do you need those extra coverages? – There are quite a few additional coverages that you can buy on your 1999 F-350 Super Duty policy. Coverages like vanishing deductibles, towing coverage and membership fees are examples of these. These may sound like a good investment initially, but your needs may have changed so get rid of them and save.
  • Don’t skimp on liability – Your policy’s liability coverage will protect you in the event that you are found liable for causing damage or personal injury in an accident. It provides legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Don’t let your coverage lapse – Allowing your insurance policy to lapse will be a quick way to pay more for insurance. And not only will your rates increase, failure to provide proof of insurance may earn you a revoked license or a big fine.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Consolidate policies to earn discounts – Some insurers will give a discount to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, you still need to compare rates to verify if the discount is saving money.

Cut prices on Ford F-350 Super Duty insurance

Auto insurance companies don’t list all available discounts very clearly, so we took the time to find both the well known and also the lesser-known savings tricks you should be using.

  • Own a Home – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Government Employees – Simply working for the federal government may qualify you for a discount for F-350 Super Duty insurance with select insurance companies.
  • Bundle and Save – If you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Auto/Life Discount – Larger companies have lower rates if you buy auto and life insurance together.
  • Air Bag Discount – Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates when shopping for insurance coverage for F-350 Super Duty insurance.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • No Accidents – Drivers with accident-free driving histories can save substantially as compared to bad drivers.
  • Distant Student – Children who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Paperwork-free – Certain companies will give a small break simply for signing over the internet.

It’s important to understand that some credits don’t apply to the entire cost. A few only apply to specific coverage prices like medical payments or collision. So even though it sounds like you could get a free insurance coverage policy, it doesn’t quite work that way.

Companies that may offer some of the above discounts may include but are not limited to:

Double check with every prospective company which discounts they offer. Discounts may not be available everywhere.

Beware of misleading insurance coverage ads

Insurance coverage companies such as 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to have a common claim of big savings if you switch your policy. How does each company make the same claim?

All the different companies are able to cherry pick for the type of customer that is profitable for them. For example, a driver they prefer could be between 30 and 50, insures multiple vehicles, and has great credit. A propective insured that hits that “sweet spot” receives the best rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who are not a match for this ideal profile will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ads state “drivers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can claim big savings. Because of the profiling, drivers must get a wide range of price quotes. It’s not possible to predict which insurance coverage company will provide you with the cheapest Ford F-350 Super Duty insurance rates.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you may require specific advice.

  • When should I drop full coverage on my 1999 Ford F-350 Super Duty?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I have newly-aquired coverage?
  • Am I covered if I drive in a foreign country?
  • Where can I get insurance after a DUI in my state?
  • Do I need higher collision deductibles?
  • If my 1999 Ford F-350 Super Duty is totaled, can I afford another vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • How much underlying liability do I need for an umbrella policy?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Educate yourself about auto insurance coverages

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, damage from a tornado or hurricane and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses like EMT expenses, nursing services, prosthetic devices, X-ray expenses and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible


Liability insurance can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things such as repair costs for stationary objects, pain and suffering, medical services, funeral expenses and structural damage. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Coverage for collisions

Collision coverage pays for damage to your F-350 Super Duty from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like rolling your car, crashing into a building, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Money doesn’t grow on trees

Budget-conscious 1999 Ford F-350 Super Duty insurance can be found from both online companies in addition to many insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped collision coverage to discover at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.

You just learned quite a bit of information on how to lower your insurance rates. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the best prices are with some of the lesser-known companies. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

More information is located on the following sites: