Compare 1997 Ford F-350 Car Insurance Cost

Comparison shopping for insurance coverage can be challenging for beginners to comparison shopping online. Consumers have so many companies to choose from that it can turn into a challenge to locate the lowest price.

The purpose of this post is to introduce you to how to get online quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But vehicle owners benefit from understanding how the larger insurance companies price insurance differently.

Discounts are great for lower rates

Insurance can be prohibitively expensive, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically at quote time, but lesser-known reductions have to be inquired about in order for you to get them.

  • Life Insurance Discount – Larger companies have better rates if you take out life insurance from them.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for F-350 insurance than less cautious drivers.
  • Homeowners Savings – Owning a house can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.
  • One Accident Forgiven – Some insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Passive Restraints – Vehicles equipped with air bags can receive discounts of up to 25% or more.
  • Use Seat Belts – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will cut your premiums.

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

The best way we recommend to compare insurance rates in your area is to take advantage of the fact most larger insurance companies participate in online systems to provide you with free rate quotes. The one thing you need to do is provide the companies a bit of rating information like the year, make and model of vehicles, any included safety features, whether your vehicle is owned or leased, and if you have a valid license. Your information is sent automatically to many different companies and they return quotes almost instantly.

Ford F-350 insurance rates consist of many parts

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for car insurance. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The list below includes a partial list of the pieces companies use to determine prices.

  • A clean driving record saves money – Even a single speeding ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets get better rates than their less careful counterparts. Drivers who get dangerous violations such as DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Younger drivers pay higher rates – Young drivers tend to be more careless when behind the wheel so car insurance rates are higher. Older insureds are viewed as being more responsible, file fewer claims and receive fewer citations.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Careers like doctors, executives and dentists have the highest average rates because of high stress and long work days. Other jobs such as farmers, historians and performers get better rates for F-350 insurance.
  • Don’t get talked into coverage you don’t need – There are a lot of extra coverages you can purchase on your car insurance policy. Insurance for vanishing deductibles, better glass coverage and additional equipment coverage may be costing you every month. They may seem like a good idea initially, but now you might not need them so eliminate the coverages to reduce your premium.

You may need specialized coverage

When buying adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions can aid in determining if you might need an agent’s assistance.

  • What is covered by UM/UIM coverage?
  • Can I get a multi-policy discount?
  • Am I covered if I drive in a foreign country?
  • Does my 1997 Ford F-350 qualify for pleasure use?
  • Is business property covered if stolen from my car?
  • Should I buy full coverage?
  • Is my teen driver covered when they drive my company car?
  • Is my 1997 Ford F-350 covered for flood damage?
  • Can I afford to pay high deductible claims out of pocket?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Can you really save that much by switching?

Auto insurance providers like State Farm and Allstate regularly use television and radio advertisements. They all make the same claim that you can save if you move to their company. How do they all make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the right customer that is profitable for them. An example of a desirable insured could possibly be between 30 and 50, a clean driving record, and has great credit. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who do not match the requirements will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “everybody who quotes” save money. That is how insurance companies can state the savings.

This emphasizes why you need to get as many comparisons as possible. It’s impossible to know which company will fit your personal profile best.

Auto insurance policy coverages for a 1997 Ford F-350

Learning about specific coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford F-350.

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. So UM/UIM coverage is very important. Frequently these coverages are set the same as your liablity limits.

Liability – Liability insurance can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not 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. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like repair costs for stationary objects, pain and suffering, attorney fees, loss of income and court costs. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive insurance – This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, damage from getting keyed, falling objects, hail damage and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance covers damage to your F-350 caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for expenses such as chiropractic care, prosthetic devices and X-ray expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Quote more, save more

The cheapest 1997 Ford F-350 insurance is possible from both online companies and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

We just covered many ideas to save on insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest rates come from the least-expected company.

When shopping online for auto insurance, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your strategy should be to get the best coverage possible at a price you can afford.

More detailed auto insurance information is located in the articles below: