1996 Ford F-350 Insurance Rates

Searching for the cheapest car insurance rates for your Ford F-350? Are you sick and tired of not being able to afford each month for car insurance? Your situation is no different than millions of other consumers. Consumers have many auto insurance companies to pick from, and although it’s a good thing to have a selection, it can be more challenging to find the best rates for your vehicles.

It’s a great practice to compare prices quite often due to the fact that insurance rates trend upward over time. Even if you got the lowest price on F-350 coverage six months ago there is a good chance you can find better rates now. Starting now, forget all the misinformation about car insurance because you’re about to learn the proper way to properly buy coverages and cut your premium.

Insurance Comparison Rates

There are a lot of ways to compare insurance quotes, but one way is easier and takes less work. You can waste hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to achieve your goal.

Many companies participate in an industry program that enables customers to only type in their quote data once, and each participating company then returns a price quote. This system prevents you from having to do quote requests to every company.

To fill out one form to compare multiple rates now click here to open in new window.

The single downside to pricing coverage this way is buyers cannot specifically choose which companies you will receive quotes from. So if you want to select individual companies to compare rates, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using identical information for each comparison quote. If you use mixed coverages you can’t possibly find the best deal for your Ford F-350.

Your personal situation dictates your coverage

When buying coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • How can I get my company to pay me more for my totalled car?
  • When should I drop full coverage on my 1996 Ford F-350?
  • How can I force my company to pay a claim?
  • Am I insured when driving a different vehicle?
  • Should I waive the damage coverage when renting a car?
  • What is covered by UM/UIM coverage?
  • What is an SR-22 filing?
  • Does car insurance cover theft of personal property?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a 1996 Ford F-350

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.

Collision coverages – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, sustaining damage from a pot hole, damaging your car on a curb, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, rock chips in glass, hitting a deer, hitting a bird and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like dental work, X-ray expenses and pain medications. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

UM/UIM Coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability auto insurance – This provides protection from damage that occurs to people or other property. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like loss of income, attorney fees, structural damage and legal defense fees. How much liability coverage do you need? That is your choice, but buy higher limits if possible.