1993 Ford F-350 Car Insurance Quotes – 6 Ways to Save

Overpriced Ford F-350 insurance can drain your bank account and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to tighten up your finances. Because you have many insurance companies to choose from, it can be hard to locate the right car insurance company.

Consumers need to compare prices occasionally because prices change regularly. Just because you found the lowest rates for F-350 insurance two years ago there is a good chance you can find better rates now. Don’t believe everything you read about insurance on the internet, so we’re going to give you some proven techniques to stop overpaying for insurance.

The purpose of this article is to help you learn the most effective way to quote insurance. If you are paying for car insurance now, you will be able to save some money using these methods. Drivers just need to know the most effective way to shop their coverage around on the web.

Do you qualify for a discount?

Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied at the time of purchase, but a few must be specifically requested before being credited. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Accident Free – Drivers who don’t have accidents pay less when compared to bad drivers.
  • Multiple Policy Discount – When you have multiple policies with the same company you may earn 10% to 20% off each policy.
  • College Student – Children who are attending college and don’t have a car can be insured at a reduced rate.
  • E-sign – A few companies give back up to $50 for buying your policy online.
  • 55 and Retired – If you qualify as a senior citizen, you may receive reduced rates for F-350 insurance.

It’s important to note that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will bring down your overall premium however.

To see a list of insurance companies who offer insurance discounts, click here.

How to Get Car Insurance Comparison Quotes

There are a variety of methods you can shop for 1993 Ford F-350 car insurance but some are less labor-intensive and much quicker. You can spend your afternoon talking about coverages with agents in your area, or you could use the internet for quick rates.

The majority of car insurance companies participate in an industry program that enables customers to enter their policy data once, and every company returns a rated price based on the submitted data. This system prevents you from having to do form submissions for each company.

To get comparison pricing now click here to open in new window.

The only downside to getting quotes like this is you don’t know exactly the companies to get pricing from. If you wish to select from a list of companies to request quotes from, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

Whichever method you choose, make absolute certain that you use identical coverage limits and deductibles for every company. If your comparisons have higher or lower deductibles then you won’t be able to determine the best price for your Ford F-350.

What coverages do I need?

When it comes to choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might point out if your insurance needs could use an agent’s help.

  • Do I need more liability coverage?
  • How do I buy GAP insurance?
  • Does medical payments coverage apply to all occupants?
  • When can I cancel my policy?
  • How high should my medical payments coverage be?
  • When would I need additional glass coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Auto insurance specifics

Learning about specific coverages of auto insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average auto insurance policy.

Collision coverage – This will pay to fix damage to your F-350 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, scraping a guard rail, sideswiping another vehicle, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, fire damage and a broken windshield. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses like nursing services, ambulance fees and EMT expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability – This protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as legal defense fees, attorney fees, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Final considerations

Cheap 1993 Ford F-350 insurance is attainable both online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, an insured cut collision coverage only to regret at claim time that it was a big error on their part. Your goal should be to find the BEST coverage at an affordable rate.

Much more information about car insurance is located at the links below