Three Step Guide to Cheaper Ford F350 Pickup Insurance
If shopping your car insurance around was fun, we'd do it much more often. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. You probably feel the same way about finding lower cost coverage for your Ford F350 Pickup.
Step One: Insurance Rate Comparison Quotes
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Welcome to the 21st century!
All the major car insurance companies sell insurance for a Ford F350 Pickup and you can compare their rates by entering your information only one time.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Apples-to-Apples! When doing comparison quotes for your F350 Pickup, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: How to Save on F350 Pickup Insurance
There are many contributing factors that determine what you pay to insure your Ford. You can help yourself (and your wallet) by paying attention to the following rate factors.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- Most Ford vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
- Particular years and models of cars tend to be frequently stolen, and if your F350 Pickup is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- Car insurance rates for a teen driver on a Ford F350 Pickup will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
Step Three: Select the Best Company for Your Needs
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Ford off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new F350 Pickup won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
Recent Blog Articles
- Insurance Rates Decline for Lincoln Mark VII Drivers
- Five Minute Guide to Lower Saturn SL Insurance on the Web
- Uncover the Best Insurance Rates on a Lexus IS 300
- Top 8 Ways to Save Money on Volvo V40 Insurance
- Isuzu Trooper II Drivers Find the Best Car Insurance Rates