1993 Ford F-350 Insurance Rates – 6 Tricks for Cheapest Quotes

Trying to find lower auto insurance rates for your Ford F-350? If you’re shopping for cheaper insurance, are you frustrated by the dozens of auto insurance providers available to you? You’re not alone. You have such a large number of options that it can easily become a difficult situation to lower your rates.

It’s a good habit to compare premium rates quite often because auto insurance prices are constantly changing. Even if you think you had the lowest price on F-350 insurance last year you will most likely find a better rate today. Forget all the misinformation about auto insurance because you’re going to get a crash course in the easiest way to find better rates and still maintain coverage.

Choosing the best insurance company for you is quite easy. Basically, everyone who has to buy insurance should be able to cut their insurance bill. Although vehicle owners can benefit by having an understanding of how the larger insurance companies sell insurance online and use this information to your advantage.

Save with these six premium-slashing discounts

Some insurers do not advertise every disount available in a way that’s easy to find, so we took the time to find a few of the more common as well as the least known discounts that you may qualify for.

• Life Insurance Discount – Insurance companies who offer life insurance give a discount if you purchase some life insurance in addition to your auto policy.
• Memberships – Affiliation with specific professional or occupational memberships or organizations could trigger savings when shopping for insurance.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
• No Accidents – Insureds with no claims or accidents get the best insurance rates in comparison with bad drivers.
• Defensive Driving Course – Passing a class that teaches defensive driver techniques could possibly earn you a 5% discount and also improve your driving technique.
• Good Students Pay Less – Maintaining excellent grades may save as much as 25% on a car insurance quote. The good student discount can last up until you turn 25.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. If you do the math and it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

Companies and some of their more popular discounts are detailed below.

• Geico includes discounts for anti-lock brakes, multi-policy, air bags, membership and employees, multi-vehicle, daytime running lights, and military active duty.
• Travelers offers discounts including early quote, hybrid/electric vehicle, driver training, student away at school, good student, multi-policy, and IntelliDrive.
• Nationwide may include discounts for defensive driving, easy pay, Farm Bureau membership, accident-free, family plan, business or organization, and good student.
• Farmers Insurance may have discounts that include good student, pay in full, distant student, bundle discounts, early shopping, switch companies, and youthful driver.
• Esurance offers discounts for multi-policy, emergency road assistance, online quote, online shopper, Switch & Save, DriveSense, and paid-in-full.
• State Farm offers premium reductions for multiple autos, Steer Clear safe driver discount, multiple policy, safe vehicle, accident-free, and passive restraint.
• Progressive has savings for multi-policy, good student, homeowner, continuous coverage, multi-vehicle, online quote discount, and online signing.
• Mercury Insurance discounts include multi-car, professional/association, anti-theft, age of vehicle, good driver, multi-policy, and accident-free.

When getting free car insurance quotes, it’s a good idea to every insurance company which credits you are entitled to. Savings might not apply in your area.

Do I need special coverages?

When choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

• How many claims can I have before being cancelled?
• Can I afford to buy a different vehicle if my 1993 Ford F-350 is totaled?
• Are all vehicle passengers covered by medical payments coverage?
• Is extra glass coverage worth it?
• Should I waive the damage coverage when renting a car?
• Why is insurance for a teen driver so high?
• Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

The coverage is in the details

Knowing the specifics of car insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, vandalism and hitting a bird. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This coverage can cover damages or injuries you inflict on people or other 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. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims such as medical expenses, emergency aid, attorney fees, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

UM/UIM Coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford F-350.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills like X-ray expenses, dental work, pain medications and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your F-350 from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

In conclusion

Insureds leave their current company for any number of reasons including lack of trust in their agent, unfair underwriting practices, extreme rates for teen drivers and even questionable increases in premium. It doesn’t matter why you want to switch finding a new auto insurance company can be easy and end up saving you some money.

We’ve covered quite a bit of information on how to save on 1993 Ford F-350 insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding low cost car insurance. Drivers may discover the lowest prices are with a small mutual company.

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at a price you can afford while still protecting your assets.

Additional resources

• Distracted Driving Extends Beyond Texting (State Farm)
• Bodily Injury Coverage (Liberty Mutual)
• Side Impact Crash Tests (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)