7 Ways You Can Buy Car Insurance for a Ford F350 Pickup For Less

Drivers have a choice when trying to find the lowest priced Ford F350 Pickup insurance. You can either spend your time calling around to get rate comparisons or use the internet to make rate comparisons. There are more efficient ways to buy auto insurance and you need to know the proper way to get price quotes for a new or used Ford and find the lowest possible price from both online companies and local agents.

It’s smart to take a look at other company’s rates yearly because rates go up and down regularly. Even if you think you had the lowest rates for F350 pickup coverage two years ago a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to find out the tricks you need to know to reduce your cost while improving coverage.

Free Auto Insurance Quotes

There are several ways to compare quotes from auto insurance companies in your area. The easiest way to compare insurance prices consists of shopping online. This can be done using a couple different methods.

  1. The recommended way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This form eliminates the need for boring form submissions for every auto insurance company. Just one form will get you price quotes . It’s definitely the quickest method.
  2. A harder way to compare prices requires a visit to the website for each individual company and complete a new quote form. For example, we’ll assume you want to compare State Farm, Progressive and Allstate. To get each rate you have to go to every website to enter your coverage information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming method of comparing rate quotes is to spend time driving to and from local insurance agencies. Shopping for auto insurance online makes this process obsolete unless you have a need for the personal advice that only a license agent can provide. Drivers can obtain prices from the web and still use a local agent and you’ll learn how to do that later.

It’s up to you which method you use, but double check that you are using identical coverages and limits on every quote you get. If your comparisons have different limits and deductibles on each one it will be impossible to find the best deal for your Ford F350 Pickup. Having just a slight variation in limits could mean much higher rates. And when comparing auto insurance rates, know that comparing more company’s prices provides better odds of finding a better price.

Don’t pay full price with these seven discounts

Car insurance companies don’t always publicize every discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Good Student Discount – This discount can get you a discount of up to 25%. This discount can apply up to age 25.
  • Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Student in College – Any of your kids who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Defensive Driving Course – Taking a course in driver safety could save 5% or more depending on where you live.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, companies don’t profit that way.

For a list of insurers offering auto insurance discounts, follow this link.

Compare online but buy from a local agent

Certain consumers just want to visit with an insurance agent. The best thing about comparing rates online is you may find better rates and still choose a local agent.

After filling out this simple form, the quote information is sent to agents in your area who will compete for your coverage. There is no need to drive around due to the fact that quote results will go directly to your email. How’s that for easy! You can find the lowest rates without the usual hassles of price shopping.

Picking an insurance company should depend on more than just the price. These questions are important to ask:

  • Are they able to influence company decisions when a claim is filed?
  • Is the agent and/or agency licensed to do business in your state?
  • Is the agency involved in supporting local community causes?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • How are they compensated?
  • What is the agency’s Better Business Bureau rating?
  • Which insurance companies are they affiliated with?

If you prefer to contact a specific insurance agent in your state, visit this page.

After getting answers to your satisfaction to your questions in addition to an acceptable price estimate, most likely you have located a company that is a good match to provide auto insurance coverage.

Are auto insurance companies telling the truth?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to make an identical promise that you’ll save big if you switch your coverage to them. But how can every company claim to save you money?

All the different companies have a certain “appetite” for the type of customer that is profitable for them. For example, a desirable insured might be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” receives the best rates and therefore will save quite a bit of money when switching.

Potential insureds who do not match these standards will be charged more money and this can result in the customer not buying. The ads say “people who switch” not “everybody who quotes” save that much money. That’s why insurance companies can advertise the way they do. That is why you should quote coverage with many companies. It is impossible to predict which auto insurance company will fit your personal profile best.

Auto insurance specifics

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills such as funeral costs, dental work, hospital visits and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – This coverage pays for 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 coverage protects against things like a broken windshield, hitting a bird, theft and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F350 Pickup.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – Collision coverage covers damage to your F350 Pickup resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, crashing into a ditch, colliding with a tree, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

compare F350 Pickup insurance prices

Liability insurance – This coverage will cover damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like attorney fees, structural damage and medical services. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Online plus local equals savings

Discount Ford F350 Pickup insurance is available from both online companies and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide online quoting and most of the time these small insurance companies sell through independent agents.

We just showed you a lot of tips how to compare Ford F350 Pickup insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest rates come from a small local company.

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at a price you can afford.