1991 Ford F-350 Insurance Cost – 5 Savings Tips

When searching for more affordable insurance, do you get overwhelmed by the dozens of auto insurance companies available to you? Lot’s of other people are too. You have so many companies to choose from that it can quickly become hard work to find a cheaper company.

You should take the time to shop coverage around on a regular basis since prices change regularly. Just because you had the lowest price for F-350 insurance on your last policy you can probably find a lower rate today. There is a lot of bad information regarding auto insurance online, but in just a couple of minutes you can learn some of the best techniques to put money back in your pocket.

Pay discount rates these five money-saving discounts

Companies that sell car insurance do not list every disount available in a way that’s easy to find, so the list below contains both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Defensive Driver – Taking time to complete a defensive driver course could save 5% or more and also improve your driving technique.
  • Government Employees – Active or retired federal employment can save as much as 8% for F-350 insurance with a few insurance coverage companies.
  • Passive Restraints – Cars that have air bags can receive discounts of up to 25% or more.
  • Early Renewal Discounts – Some companies provide a discount for renewing your policy before your current expiration date. Ten percent is about the average savings.
  • No Charge for an Accident – Not a discount per se, but a handful of insurance companies will allow you to have one accident before they charge you more for coverage if you have no claims for a set time period.

It’s important to note that some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, nobody gets a free ride. But all discounts will help reduce your policy premium.

To see providers that have a full spectrum of discounts, click here.

How to compare car insurance price quotes

Comparing car insurance rates can take time and effort if you don’t utilize the easiest way. You can waste hours discussing policy coverages with local insurance agents in your area, or you can utilize online quoting for quick rates.

Most of the larger companies participate in a marketplace where prospective buyers send in one quote, and each company returns a competitive quote based on that data. This prevents consumers from doing quote forms for every car insurance company. To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to comparing rates this way is you cannot specify which companies to receive prices from. If you would rather choose individual companies to receive pricing from, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just do your best to enter exactly the same coverage data for each quote you get. If you are comparing differing limits it will be very difficult to make an equal comparison. Quoting even small variations in coverages may result in a large different in cost. It’s important to know that making a lot of price comparisons helps increase your odds of locating a lower rate.

Do I need special coverages?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique.

For example, these questions may help you determine if you could use an agent’s help.

  • Should I buy additional glass protection?
  • Is upholstery damage covered by car insurance?
  • Does my insurance cover a custom paint job?
  • When can I cancel my policy?
  • Where can I find high-risk insurance?
  • Am I better off with higher deductibles on my 1991 Ford F-350?
  • Can my babysitter drive my car?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Do drivers who switch really save?

Car insurance providers like Allstate, Geico and Progressive regularly use television and radio advertisements. All the companies seem to make the promise that drivers will save a bundle just by switching your coverage. How does each company sell you cheaper insurance coverage? This is the trick they use.

Most companies have a certain “appetite” for the type of customer that will be a good risk. One example of a desirable insured should be between 30 and 50, has no prior claims, and has excellent credit. Any customer who meets those qualifications will get very good prices and as a result will probably save quite a bit of money when switching.

Insureds who don’t measure up to those standards will probably have to pay higher premium rates with the end result being business not being written. The ads state “customers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can claim big savings.

That is why drivers should compare quotes as often as possible. It is impossible to guess which company will have the lowest rates.

Parts of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills for things like hospital visits, prosthetic devices and ambulance fees. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

This coverage protects you from damage or injury you incur to other people or property. 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. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as structural damage, medical services, repair bills for other people’s vehicles, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your 1991 Ford F-350.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

Collision coverage covers damage to your F-350 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, hitting a parking meter, backing into a parked car, crashing into a ditch and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, falling objects, hail damage and damage from getting keyed. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Be a smart shopper

We’ve covered quite a bit of information on how to get a better price on 1991 Ford F-350 insurance. The key concept to understand is the more companies you get premium rates for, the higher the chance of saving money. Consumers could even find that the lowest auto insurance rates come from some of the lesser-known companies.

Some car insurance companies may not offer internet price quotes and most of the time these smaller providers work with local independent agents. Cheaper 1991 Ford F-350 insurance can be sourced online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money.

When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. In many cases, an insured dropped liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

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