Cheap 1997 Ford F-350 Insurance Quotes

Have you had enough of sacrificing to make your car insurance payment? You have the same problem as the majority of other people.

Because there are so many different company options, it can be impossible to choose a more affordable insurer.

It is always a good idea to take a look at other company’s rates periodically because car insurance prices are constantly changing. Despite the fact that you may have had the best quotes on F-350 coverage a couple years back you may be paying too much now. Don’t believe everything you read about car insurance online but in just a couple of minutes you can learn a bunch of ideas how to quit paying high car insurance rates.

The most recommended method to get rate comparisons is to take advantage of the fact car insurance companies have advanced systems to give free rates quotes. The only thing you need to do is give the companies some data including if your license is active, daily mileage, how much education you have, and if a SR-22 is required. That rating data is sent automatically to multiple companies and they return rate quotes within a short period of time.

Auto Insurance Discounts

Some providers do not list their entire list of discounts very well, so we researched a few of the more well known in addition to some of the lesser obvious savings tricks you should be using when you buy auto insurance online.

  • Paperwork-free – Many auto insurance companies provide a small discount for signing up on your computer.
  • Air Bag Discount – Cars that have air bags or motorized seat belts may qualify for discounts of up to 25% or more.
  • Auto/Life Discount – Not all auto insurance companies offer life insurance, but some may give you a small discount if you purchase auto and life insurance together.
  • Bundled Policy Discount – If you combine your home and auto policies and place coverage with the same company you may save nearly 15% which can help you find inexpensive auto insurance.
  • Good Student Discount – This discount can get you a discount of up to 25%. You can use this discount normally until age 25.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

Companies and a partial list of their discounts are outlined below.

  • Geico has discounts for driver training, air bags, membership and employees, seat belt use, military active duty, good student, and emergency military deployment.
  • USAA offers discounts for new vehicle, good student, military installation, driver training, and annual mileage.
  • Progressive may have discounts that include multi-policy, good student, homeowner, online signing, and multi-vehicle.
  • American Family policyholders can earn discounts including air bags, TimeAway discount, defensive driver, accident-free, and mySafetyValet.
  • Esurance discounts include paid-in-full, Pac-12 alumni, online shopper, renters, and anti-lock brakes.
  • Farmers Insurance offers discounts including good student, youthful driver, early shopping, homeowner, and alternative fuel.
  • State Farm may offer discounts for accident-free, driver’s education, good driver, safe vehicle, and Drive Safe & Save.

It’s a good idea to ask every company which discounts they offer. Some discounts listed above might not be offered on policies in your area. To see a list of companies that can offer you the previously mentioned discounts, click here.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there is no single plan that fits everyone. Each situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine if you might need professional guidance.

  • What should my uninsured motorist coverage limits be in my state?
  • When should I buy a commercial auto policy?
  • Does medical payments coverage apply to all occupants?
  • How much can I save by bundling my policies?
  • How do I file an SR-22 for a DUI in my state?
  • What are the best liability limits?
  • Does my 1997 Ford F-350 qualify for pleasure use?
  • If my 1997 Ford F-350 is totaled, can I afford another vehicle?
  • Does my policy cover me when driving someone else’s vehicle?
  • How do I buy GAP insurance?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Ford F-350.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses like nursing services, rehabilitation expenses, doctor visits and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Liability auto insurance

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, court costs, loss of income, medical services and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, rock chips in glass, falling objects, a broken windshield and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.