1994 Ford F-350 Insurance Quotes – 7 Tips to Save

Searching for the cheapest insurance coverage rates for your Ford F-350? Are you tired of paying out the nose to insure your Ford every month? You are no different than many other drivers. Having so many choices, it can be diffult for consumers to locate the lowest cost insurer.

Compare the Market for Auto Insurance

Finding lower auto insurance rates is actually quite simple. You just have to invest a little time comparing rate quotes from different insurance companies. This can be accomplished in a couple of different ways.

The recommended way to get quotes would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating separate quote forms for each company you want a rate for. In just a few minutes this one form gets you price quotes from multiple companies.
A slightly less efficient method to compare prices consists of going to the website for each individual company and request a quote. For instance, let’s assume you want to compare Nationwide, Geico and Allstate. You would have to spend time on each company’s site and enter your information, which is why the first method is more popular.
For a list of links to insurance companies in your area, click here.
The least efficient way to compare rates is to drive around to local insurance agencies. Buying insurance online makes this process obsolete unless you want the personal advice of a licensed agent. You can, however, compare the best prices online but buy from a local insurance agent.

Whichever method you choose, make sure you use exactly the same deductibles and coverage limits on every quote. If you use different deductibles you can’t possibly determine which rate is truly the best.

Save on 1994 Ford F-350 insurance

Car insurance companies do not list all available discounts in a way that’s easy to find, so we break down some of the more common and also the lesser-known insurance savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

Seat Belts Save – Requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
Good Student – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
Lower Rates for Military – Being deployed with a military unit can result in better rates.
Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on F-350 coverage than less cautious drivers.
Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.

It’s important to understand that most credits do not apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think you could get a free insurance policy, it doesn’t quite work that way.

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

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether your personal situation may require specific advice.

Does having multiple vehicles earn me a discount?
How high should my medical payments coverage be?
Should I have combined single limit or split liability limits?
Do I get a pro-rated refund if I cancel my policy early?
When do I need to add a new car to my policy?
Do I need higher collision deductibles?
Can I still get insurance after a DUI?
Does my insurance cover a custom paint job?
What happens if I owe more than my 1994 Ford F-350 is worth?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages available from auto insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, theft, hitting a deer, falling objects and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford F-350.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability auto insurance

Liability coverage protects you from damage that occurs to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like funeral expenses, pain and suffering and structural damage. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like hospital visits, rehabilitation expenses, chiropractic care, ambulance fees and EMT expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

This coverage will pay to fix damage to your F-350 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.