Compare 1997 Ford F-350 Insurance Cost

Overpriced Ford F-350 insurance can dwindle your checking account, especially in this economy. Comparing rates annually is a smart way to tighten up your finances.

With consumers having so many companies and agents to choose from, it can be challenging to pick a more affordable insurance coverage company.

You should make it a habit to compare premium rates yearly because rates are constantly changing. Despite the fact that you may have had the best deal for F-350 coverage last year you will most likely find a better price today. Block out anything you think you know about insurance coverage because we’re going to demonstrate how to use online quotes to lower your rates without sacrificing coverage.

Compare insurance rates

Comparing insurance rates can take time and effort if you don’t know the fastest way to get free quotes. You could waste a few hours talking to local insurance agents in your area, or you could save time and use the internet to get the quickest rates.

Many insurance companies participate in a marketplace that allows shoppers to only type in their quote data once, and each company then returns a price quote determined by their information. This saves time by eliminating repetitive form submissions to every company.

To participate in this free quote system, click to open in new window.

The only drawback to comparing rates this way is that you can’t choose which providers you will receive quotes from. If you wish to select specific providers to compare prices, we have a page of insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just do your best to enter exactly the same coverages for each price quote. If each company quotes higher or lower deductibles you will not be able to determine which company has the best rates. Quoting even small variations in insurance coverages or limits could skew the results. It’s important to know that more quotes helps improve the odds of finding a better price. Not every company does quotes online, so you need to compare price estimates from those companies as well.

Which policy gives me the best coverage?

When buying the best insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions could help you determine if you may require specific advice.

  • Should I buy full coverage?
  • Are rental cars covered under my policy?
  • At what point should I drop full coverage?
  • What is the rate difference between pleasure use and commuting?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do all my vehicles need collision coverage?
  • Can I afford low physical damage deductibles?
  • When can I cancel my policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Coverage specifics

Having a good grasp of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Liability car insurance – This protects you from injuries or damage you cause to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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 limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as emergency aid, legal defense fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, rock chips in glass, falling objects, hitting a bird and theft. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for expenses like chiropractic care, nursing services, pain medications and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Ford F-350.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverage – This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comments About 1997 Ford F-350 Insurance

  1. Sabra Norton

    Cheap is relative. Live in the northern part of Augusta, GA. Don’t remember every company but I ended up saving about $30 each month. A clean driving record helps. I don’t insure for physical damage though.

  2. Janie Hewitt

    Lots of useful info here. I live just outside Columbus, OH. I compared lots of rates. Saved about $20 a month. Allstate was the best choice for me. I get lower rates because of my clean driving record. It’s still not cheap enough. Not worth enough to pay for comprehensive and collision.

  3. Bruno Ward

    Lifelong resident of Atlanta, Georgia. Got car insurance rates from Auto-Owners, Nationwide, and Western Auto Insurance for my 1997 Ford F-350 and I think I cut my rates about $20 each month. Book value doesn’t justify full coverage anymore.

  4. America Scott

    Does State Farm settle claims fairly?

  5. Charles Foster

    GEICO and Allstate were both pretty cheap in Bridgeport, Connecticut.

  6. Reena Kidd

    I live just outside Rockford, Illinois. Got free quotes online for a 1997 Ford F-350. Ended up at about $80 savings annually. Went with 21st Century. Left Farmers to switch. Thankfully I have a good driving record. I quoted rates online then called them. When should I drop full coverage?

  7. Jeniffer Gould

    Live in the southern part of Colorado Springs, CO. Compared quite a few companies. Saved about $20 a month. Progressive was the cheapest for me. It’s easy to compare rates online now. I dropped full coverage awhile back.

  8. Janita French

    Does GEICO have good claim service?

  9. Orval Durham

    I chose to switch to State Farm from AIG Insurance. I live in Lincoln, Nebraska. I think they have home insurance too. Anyone else drop full coverage?