Shoppers have options when shopping for low-cost Ford F350 Pickup insurance. They can either spend hours contacting agents to compare prices or leverage the internet to get rate quotes. There are more efficient ways to shop for car insurance and we’ll show you the quickest way to price shop coverage for a Ford and get the lowest price from both online companies and local agents.
If you have car insurance now, you should be able to lower your premiums substantially using this strategy. This article will tell you the best way to quote coverages and some tips to save money. Although consumers do need to know how the larger insurance companies market on the web.
More discounts equal less premium
Auto insurance companies don’t list all available discounts very clearly, so we break down both well-publicized and also the lesser-known discounts you could be receiving.
- Homeowners Pay Less – Owning a home can help you save on car insurance because of the fact that having a home demonstrates responsibility.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
- No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
- Defensive Driving Course – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
- Military Rewards – Being deployed with a military unit may qualify for rate reductions.
- Auto/Life Discount – Larger companies have a break if you buy a life insurance policy as well.
- Multiple Policy Discount – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
Drivers should understand that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.
For a list of providers with discount car insurance rates, click here.
How to Get Car Insurance Comparison Quotes
There are a variety of methods you can shop for car insurance but one way is easier and takes less work. You can spend your afternoon talking to insurance companies in your area, or you could use online quoting to quickly compare rates.
Most of the best insurance companies enroll in a system where prospective buyers enter their coverage request one time, and at least one company then returns a price quote for coverage. This saves time by eliminating repetitive form submissions for each company you want a rate for.
To access this free quoting program, click here (opens in new window).
The single downside to using this type of system is buyers cannot specifically choose which companies to get pricing from. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of companies who write car insurance in your area. Click here to view list.
However you get your quotes, ensure you’re using exactly the same coverage information for each comparison quote. If you have different values for each quote it will be very difficult to determine which rate is truly the best. Slightly different coverage limits could mean much higher rates. Just keep in mind that comparing more company’s prices helps you find a lower rate.
Factors that can influence insurance rates for a Ford F350 Pickup
Consumers need to have an understanding of the factors that come into play when calculating the price you pay for car insurance. Having a good understanding of what determines base rates enables informed choices that may reward you with better car insurance rates.
The list below includes some of the factors car insurance companies consider when setting rates.
- Having a spouse can save you money – Having a spouse can actually save you money on your policy. Marriage means you’re more responsible and it’s proven that married drivers get in fewer accidents.
- Is your vehicle built for speed? – The performance of the car you are buying insurance for makes a big difference in determining your rates. The cheapest insurance rates are for lower performance four cylinder passenger models, but the cost you end up paying is determined by many additional factors. Because the Ford F350 Pickup is a pickup truck, insurance will be similar in price compared to average rates.
- A lapse in coverage is a bad thing – Letting your insurance expire will be a sure-fire way to pay more for car insurance. And not only will your rates increase, but being ticketed for driving with no insurance will get you a steep fine or even jail time.
- Rates may be higher depending on your occupation – Occupations like judges, executives and financial analysts have higher average rates in part from job stress and long work days. Conversely, occupations such as farmers, engineers and retirees get better rates on F350 pickup insurance.
- Liability insurance protects assets – Liability coverage is the coverage that protects you if ever a jury decides you are liable for damages from an accident. Liability provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
- Drive less and save money – The more you drive in a year’s time the more you will pay for car insurance. Almost all companies rate vehicles based on how the vehicle is used. Cars not used for work or commuting can get a lower rate than vehicles that are driven to work every day. An improperly rated F350 Pickup may be wasting your money. Ask your agent if your car insurance policy shows the correct driver usage, because it can save money.
It’s not one size fits all
When it comes to buying coverage, there isn’t really a single plan that fits everyone. Each situation is unique.
For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.
- What happens if I owe more than my Ford F350 Pickup is worth?
- Am I covered when delivering products for my home-based business?
- I have good health insurance, so how much medical payments coverage do I need?
- Am I covered when driving in Canada or Mexico?
- When would I need additional glass coverage?
- Can I afford low physical damage deductibles?
- Which companies will insure high-risk drivers?
- Do I need motorclub coverage?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.
One last thing
Insureds who switch companies do it for a number of reasons such as unfair underwriting practices, policy cancellation, poor customer service or delays in responding to claim requests. Regardless of your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.
You just read a lot of ways to get a better price on Ford F350 Pickup insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from some of the smallest insurance companies.
Lower-priced Ford F350 Pickup insurance is available from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.
