Lower Your 1999 Ford F-350 Super Duty Insurance Rates

Sick and tired of robbing Peter to pay Paul to keep your car insured? You are in the same boat as the majority of other drivers.

Insurance companies such as Progressive, State Farm and Geico promote their brand names with fancy advertisements and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

It’s a good idea to quote other rates quite often because car insurance prices are constantly changing. Even if you think you had the best deal on F-350 Super Duty coverage a few years ago other companies may now be cheaper. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the best way to eliminate unnecessary coverages and save money.

Four things that impact your insurance prices

Many things are considered when quoting car insurance. Some factors are common sense such as your driving history, but others are not as apparent like your continuous coverage or your commute time.One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that help determine your premiums. When you understand what determines premiums, this allows you to make educated decisions that could help you find better insurance coverage rates.

  • Vehicles with better crash test results lower rates – Vehicles that have high safety ratings can get you lower premiums. Safer cars reduce injuries and fewer injuries means your insurance company pays less and cheaper rates on your policy.
  • Lower insurance coverage rates with continuous insurance coverage coverage – Allowing your insurance coverage policy to lapse is a sure-fire way to trigger a rate increase. And not only will insurance be more expensive, being ticketed for driving with no insurance may result in a steep fine or even jail time. You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Youthful drivers pay more – More mature drivers have been proven to be more responsible, file fewer claims and tend to be get fewer driving tickets.Inexperience drivers have been known to be inattentive behind the wheel so they pay higher insurance coverage rates.
  • An active insurance coverage claims history can cost more – If you tend to file frequent claims, you should expect higher rates. Car insurance companies give discounts to policyholders that do not abuse their auto insurance. Auto insurance is designed for claims that you cannot pay yourself.

How much does auto insurance cost?

There are several ways to compare rate quotes from local auto insurance companies. The best way to find cheaper 1999 Ford F-350 Super Duty rates consists of shopping online. This is very easy and can be done in a couple of different ways.

  1. The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This quick form eliminates the need for multiple quote forms for each company you want a rate for. Filling out one form will get you rate comparisons instantly.
  2. A more time consuming way to get quotes online is spending the time to visit each company website and go through the quote process again. For example, let’s assume you want rates from Farmers, Geico and Progressive. To get each rate you have to take the time to go to each site and type in your information over and over, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
  3. The least efficient and most time consuming method to price shop rates is to spend time driving to all the different insurance agencies. Quoting and buying insurance online eliminates this option unless you prefer the personal advice of a local agent. Drivers can comparison shop your insurance online and have a local agent actually service the policy.

Which method you use is up to you, but do your best to use nearly identical coverage data with every price quote. If each company quotes different data it will be next to impossible to determine the lowest rate for your Ford F-350 Super Duty. Having just a slight variation in coverages could throw off the whole comparison. And when comparing auto insurance rates, know that comparing all the rates in your area will increase your chances of finding better pricing. Not every company does online quotes, so you also need to get price estimates from those companies as well.

Car insurance companies offer many types of discounts

Some companies don’t always list all disounts very well, so we took the time to find a few of the more common and the more hidden discounts you could be receiving when you buy car insurance online.

  • Cautious Drivers – Accident-free drivers can save up to 40% or more on their car insurance quote on F-350 Super Duty coverage than less cautious drivers.
  • Federal Government Employee – Active or former government employment could provide a small rate reduction on F-350 Super Duty coverage with a few car insurance companies.
  • Discount for Good Grades – Being a good student can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
  • Professional Memberships – Being a member of certain professional organizations can get you a small discount on your bill.
  • Auto/Life Discount – Select car insurance companies reward you with a small discount if you purchase life insurance.
  • Accident Waiver – This one isn’t a discount, but companies like Allstate, Progressive, and Geico permit an accident before they charge you more for coverage if you have no claims for a certain period of time.
  • Discount for Swiching Early – A few companies allow discounts for buying a policy before your current coverage expires. You can save around 10% with this discount.

Don’t be surprised that many deductions do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.

Some of the insurance companies who might offer most of these discounts are:

Check with all the companies which discounts you may be entitled to. Some credits may not be available in your area. If you would like to choose from a list of providers that offer discounts, click this link.

Do I just need basic coverages?

When buying the best car insurance coverage, there really is no one size fits all plan. Every situation is different so your insurance should reflect that For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

  • When would I need additional glass coverage?
  • How high should deductibles be on a 1999 Ford F-350 Super Duty?
  • Should I put collision coverage on all my vehicles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I have coverage if my license is suspended?
  • Is pleasure use cheaper than using my 1999 Ford F-350 Super Duty to commute?
  • When should I drop full coverage on my 1999 Ford F-350 Super Duty?
  • Should I bundle my homeowners policy with my auto?
  • Should I rate my 1999 Ford F-350 Super Duty as pleasure use or commute?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Information about specific coverages

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, backing into a parked car, crashing into a building, driving through your garage door and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your 1999 Ford F-350 Super Duty.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have 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 claims such as court costs, repair bills for other people’s vehicles, medical services, loss of income and medical expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, vandalism, damage from a tornado or hurricane and falling objects. The highest amount 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.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for hospital visits, rehabilitation expenses, X-ray expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

A tidy conclusion

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. In many cases, someone dropped liability coverage limits only to find out that it was a big mistake. The aim is to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

Some insurance providers don’t offer internet price quotes and these smaller companies provide coverage only through independent agents. Budget-friendly insurance coverage is possible on the web and with local insurance agents, and you should be comparing both to have the best chance of lowering rates.

More information can be read at these links: