1996 Ford F-350 Insurance Rates – 8 Savings Tips

Searching for cheaper insurance for a new or used Ford F-350 could be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to compare car insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a new or used Ford and locate the cheapest rates from both online companies and local agents.

It’s important to shop coverage around periodically since insurance prices are usually higher with each renewal. Even if you got the best rates for F-350 coverage two years ago you will most likely find a better premium rate today. There is a lot of wrong information about car insurance out there, but I’m going to show you some tested techniques to put money back in your pocket.

Buying affordable insurance is quite easy. If you have a policy now or need new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Vehicle owners just need to know the proper way to find the lowest price online.

The method we recommend to compare rates is to know the trick all the major auto insurance companies provide online access to provide you with a free rate quote. To begin a comparison, all you need to do is provide a little information including whether you drive to work or school, whether you are married, if you have a valid license, and if it has an alarm system. Those rating factors is then submitted to many of the top insurers and you receive quotes very quickly.

To find the cheapest 1996 Ford F-350 insurance rates, click here and complete the quick form.

Are you falling for claims of savings?

Consumers can’t escape the ads for cheaper insurance coverage by companies like State Farm, Allstate and GEICO. All the ads state the claim that people will save if you switch to their company.

Is it even possible that every company can give you a better price? This is the trick they use.

All companies have a preferred profile for the type of driver that makes them money. An example of this type of insured may need to be a mature driver, has a clear driving record, and drives less than 5,000 miles a year. A customer who fits that profile is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Drivers who don’t qualify for the ideal profile will be quoted a more expensive rate and this results in the prospect going elsewhere. If you listen closely, the ads state “drivers that switch” but not “everyone who gets a quote” save that much money. This is how insurance companies can confidently make the claims of big savings.

Different companies use different criteria so you should get insurance coverage quotes as often as possible. It’s impossible to know which insurance companies will fit your personal profile best.

Get cheaper insurance coverage with discounts

Companies offering auto insurance don’t list the complete list of policy discounts in an easy-to-find place, so the list below contains some of the more common as well as some of the hidden ways to save on insurance coverage.

  • Professional Organizations – Participating in qualifying employment or professional organizations is a simple method to lower premiums when getting a insurance coverage quote.
  • Save over 55 – If you qualify as a senior citizen, you could receive a slight reduction on a insurance coverage quote for F-350 coverage.
  • Government Employees – Employees or retirees of the government may reduce rates when you quote insurance coverage for F-350 coverage but check with your company.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Sign Early and Save – Some companies give discounts for renewing your policy prior to your current policy expiration. You can save around 10% with this discount.
  • Telematics Data – Drivers that enable companies to look at driving habits by using a telematic data system such as State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
  • Low Miles Discount – Keeping the miles down on your Ford may enable drivers to earn lower premium rates on the low mileage vehicles.
  • College Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not take a car to college can be insured at a reduced rate.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think you could get a free insurance coverage policy, it just doesn’t work that way. Any amount of discount will help reduce the cost of coverage.

To choose companies that provide some of the discounts listed above, click here.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs may require specific advice.

  • Do I benefit by insuring my home with the same company?
  • Why is insurance for a teen driver so high?
  • What companies insure drivers after a DUI or DWI?
  • Which is better, split liability limits or combined limits?
  • Do I need higher collision deductibles?
  • Should I carry comprehensive and collision coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Who is covered by my policy?
  • Am I covered if I crash into my own garage door?
  • How high should my medical payments coverage be?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Auto insurance specifics

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability auto insurance

This will cover damage that occurs to people or other property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims like funeral expenses, medical expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix 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 coverage protects against claims like a tree branch falling on your vehicle, damage from flooding, falling objects and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

Collision coverage covers damage to your F-350 from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, backing into a parked car, hitting a mailbox, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses for prosthetic devices, funeral costs, X-ray expenses, surgery and nursing services. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

More choices the merrier

When shopping online for insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an insured dropped liability coverage limits only to find out that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the best cost while still protecting your assets.

More affordable insurance coverage can be bought from both online companies as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. Some insurance coverage companies may not have the ability to get a quote online and these smaller providers work with local independent agencies.

Consumers leave their current company for any number of reasons including delays in paying claims, policy cancellation, delays in responding to claim requests or even extreme rates for teen drivers. Whatever your reason, finding a new company can be easier than you think.

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Comments About 1996 Ford F-350 Insurance

  1. Eleonor Keith

    Anyone know if Allstate does SR-22s?

  2. Tonja Valdez

    Just my two cents. From northwest of Warwick, Rhode Island. Can’t remember who all I quoted but I ended up saving about $20 each month. Can still barely afford it. I’m thinking about dropping full coverage though.

  3. Tyson Atkins

    Good site, thanks. I’m just south of Madison, WI. Got free quotes online for a 1996 Ford F-350. Ended up at about $80 savings annually. Went with Allstate. Good savings if you bundle. They offer free online rate quotes.

  4. Selma Kirk

    From northwest of Omaha, NE. I got free prices from Allstate, AIG Insurance, Erie, and Hartford for my Ford and I’m now saving $10 a month. Thankfully I have a good driving record. I recommend comparing lots of rates. Liability only on my Ford.

  5. Floria Lloyd

    Thought I’d throw in my experience. I’m in the south part of Boise, Idaho. Quoted rates from Western Auto Insurance, American Family, Liberty Mutual, and Sentry for my F-350 and I think I saved about $20 each month. Got better coverage too. It’s too old for full coverage.

  6. Cheryl Acevedo

    Anyone try to read their policy?

  7. Titus Guy

    Anyone know if Allstate does SR-22s?