Save on 1994 Ford F-350 Insurance Quotes

Want the cheapest insurance coverage rates for your Ford F-350? Are you tired of not being able to afford to insure your Ford every month? You’re in the same situation as the majority of other vehicle owners.

Popular companies such as Geico, 21st Century and Progressive all claim big savings, bombarding you with advertising and it is difficult to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you will be able to save some money using this strategy. Finding the best rates is quite easy. But drivers must learn the methods companies use to compete online because it can help you find the best coverage.

Ways to get car insurance quotes

There are multiple methods to compare car insurance prices and some are less time-consuming than others. You can waste a few hours (or days) talking to insurance companies in your area, or you could use the web to get the quickest rates.

The majority of car insurance companies enroll in a system where prospective buyers enter their policy data once, and each company returns a rated price. This eliminates the need for quotation requests for each company.

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

One minor caviat to pricing coverage this way is that consumers can’t choose which companies you want to price. So if you want to choose individual companies to compare, we have a page of the cheapest car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just try to keep identical information with every price quote. If the quotes have mixed coverages it’s impossible to get a fair rate comparison. Quoting even small variations in insurance coverages or limits may result in large price differences. Just keep in mind that quoting more helps locate better pricing. Some insurance companies are not set up to provide rate quotes online, so it’s important to compare rates from those companies as well.

These discounts can slash insurance rates

Not too many consumers would say insurance is affordable, but there may be some discounts that can drop the cost substantially. Many discounts should be triggered at quote time, but a few must be asked for before you will receive the discount.

  • Drivers Ed for Students – Teen drivers should participate in a local driver’s education class if offered at their school.
  • Military Deployment Discount – Being on active duty in the military may lower your rates slightly.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for F-350 insurance compared to rates paid by drivers with frequent claims.
  • Bundle and Save – When you combine your auto and homeowners insurance with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • College Student – Older children living away from home attending college and do not take a car to college could get you a discount.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business.

Large insurance companies and their possible discounts are outlined below.

  • Farm Bureau policyholders can earn discounts including multi-policy, driver training, 55 and retired, safe driver, youthful driver, and renewal discount.
  • Liberty Mutual discounts include teen driver discount, new vehicle discount, preferred payment discount, newly married, and hybrid vehicle.
  • State Farm has discounts for good driver, accident-free, defensive driving training, passive restraint, good student, and driver’s education.
  • Auto-Owners Insurance may offer discounts for multi-policy, safe driver, student away at school, multiple vehicles, teen driver, and air bags.
  • Geico offers premium reductions for air bags, good student, membership and employees, defensive driver, daytime running lights, and five-year accident-free.
  • SAFECO may include discounts for teen safety rewards, multi-car, safe driver, anti-theft, bundle discounts, and homeowner.

When getting free insurance quotes, it’s a good idea to each insurance company to apply every possible discount. All car insurance discounts may not be offered in your area. To see insurance companies who offer discounts, follow this link.

Learn how to lower your insurance prices

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that go into determining the price you pay for auto insurance. If you know what influences your rates, this helps enable you to make changes that can help you get lower rates. Lots of things are used in the calculation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are less apparent like your continuous coverage or your commute time.

The list below includes most of the major factors utilized by car insurance companies to help set premiums.

  • Fewer miles means better costs – Driving more miles every year the higher your rates will be. A lot of insurance companies charge to insure your cars partially by how you use the vehicle. Cars and trucks not used for work or commuting can be on a lower rate level compared to those used for work or business. An incorrectly rated F-350 is just wasting money. It’s a smart idea to ensure your auto insurance policy reflects how each vehicle is driven, because improper ratings can cost you money.
  • Battle of the sexes – Statistics show that females take fewer risks when driving. It does not mean females are better drivers. Men and women get in fender benders at a similar rate, but the males tend to have more serious accidents. Not only that, but men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are most likely to cause an accident so they pay the highest premiums.
  • Safeguard your assets with liability protection – Liability insurance is the coverage that protects you in the event that you are determined to be liable for an accident. This coverage provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Good drivers pay the best premiums – Attentive drivers receive lower rates as compared to careless drivers. Getting just one citation could increase your next policy renewal by as much as thirty percent. Drivers who have license-revoking violations such as DUI or reckless driving may find they need to complete a SR-22 with their state’s licensing department in order to keep their license.
  • More than one policy can earn a discount – Most insurance companies allow discounts to customers that purchase more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten percent or more. If you currently are using one company, it’s in your best interest to comparison shop to verify if the discount is saving money. You may still save money by buying auto insurance from a different company.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

  • Should I waive the damage coverage when renting a car?
  • Is my custom paint covered by insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Should I rate my 1994 Ford F-350 as pleasure use or commute?
  • How can I find cheaper teen driver insurance?
  • Does insurance cover damages from a DUI accident?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I better off with higher deductibles on my 1994 Ford F-350?
  • Do I need motorclub coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Don’t believe everything you hear

Companies like State Farm and Allstate consistently run television and radio advertisements. All the ads convey the message about savings after switching your policy. How is it possible that every company can make almost identical claims? This is how they do it.

Insurance providers quote their best rates for the right customer that will not have excessive claims. One example of a driver they prefer might have to be over the age of 35, has no tickets, and chooses high deductibles. Someone who fits those characteristics will probably get cheap prices and will probably pay quite a bit less when switching companies.

Drivers who cannot meet this stringent profile may be forced to pay a higher rate and this results in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can confidently make the claims of big savings. This really illustrates why you should do a rate comparison at every renewal. It is impossible to guess which company will fit you best based on your risk profile.

Insurance coverages explained

Understanding the coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Ford F-350.

Due to the fact that 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 should not be overlooked.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as EMT expenses, doctor visits, prosthetic devices and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability insurance – Liability insurance can cover injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as attorney fees, repair costs for stationary objects, medical expenses, structural damage and loss of income. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, hitting a parking meter and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive insurance – This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, falling objects, damage from getting keyed and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Better coverage you can count on

Discount 1994 Ford F-350 insurance can be found online and from local agencies, so you need to shop insurance with both to get a complete price analysis. Some companies may not provide rates over the internet and usually these small, regional companies work with independent agents.

We just showed you a lot of information how to reduce 1994 Ford F-350 insurance premium rates online. The most important thing to understand is the more companies you get prices for, the better chance you’ll have of finding cheaper insurance. You may be surprised to find that the lowest premium rates are with a small local company. Regional companies may have significantly lower prices on certain market segments than their larger competitors like State Farm or Progressive.

Additional insurance coverage information can be found at these links: