View 1993 Ford F-350 Car Insurance Rates

Looking for better insurance coverage rates for your Ford F-350? Overpriced Ford F-350 insurance can empty your checking account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill.

Many auto insurance companies vie for your business, so it’s not easy to compare every company and get the best coverage at the best rates possible.

It is always a good idea to shop coverage around every six months because rates go up and down regularly. Even if you think you had the best rates on F-350 coverage a few years ago there is a good chance you can find better rates now. So block out anything you think you know about insurance coverage because you’re about to learn the proper way to find better rates and still maintain coverage.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. Finding the best rates is not rocket science. But drivers should learn the way insurance companies price online insurance and use this information to your advantage.

How to Get Auto Insurance

To find the best auto insurance prices, there are several ways to compare quotes from local auto insurance companies. One of the best ways to find the lowest 1993 Ford F-350 rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing boring form submissions to each individual auto insurance company. One form compares rates instantly.
  2. A more time consuming way to compare prices requires visiting each individual company website and fill out their own quote form. For instance, let’s assume you want to compare USAA, 21st Century and Progressive. To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least efficient 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 want the trained guidance of a local agent. You can, however, get the lowest quotes online but buy from a local insurance agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples information for every company. If you have different liability limits then you won’t be able to determine the best price for your Ford F-350. Slightly different limits may result in large price differences. Just remember that comparing more company’s prices will improve the odds of getting lower pricing.

Cut your premium with discounts

Companies don’t list every discount in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known discounts you could be receiving.

  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Passive Restraints – Vehicles equipped with air bags can get savings of 20% or more.
  • Good Student – This discount can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on F-350 coverage with certain companies.

Drivers should understand that most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of providers with the best auto insurance discounts, follow this link.

What is the best insurance coverage?

When choosing adequate coverage, there is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • What discounts do I qualify for?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my babysitter covered when using my vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does liability extend to a camper or trailer?
  • How much liability coverage do I need in my state?
  • When do I need to add a new car to my policy?
  • Am I insured when driving a different vehicle?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Auto insurance policy specifics

Having a good grasp of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, theft, a tree branch falling on your vehicle, hail damage and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills such as hospital visits, X-ray expenses, EMT expenses and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1993 Ford F-350.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability

This provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, pain and suffering, medical services and funeral expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, rolling your car, crashing into a ditch, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.