Save on 1997 Ford F-350 Car Insurance Quotes

Pricey Ford F-350 insurance can dwindle your personal savings, especially in this economy. Comparing cost estimates is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Because you have many options, it can be impossible to locate a lower cost insurance coverage provider.

The purpose of this post is to tell you the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. But drivers must know the way insurance companies market insurance on the web.

Lower your insurance premiums

When buying car insurance it’s important to understand some of the things that come into play when calculating the level of your policy premiums. If you have a feel for what determines premiums, this helps enable you to make changes that can earn you big savings. Many different elements are taken into consideration when quoting car insurance. Some factors are common sense like your driving record, but other criteria are not as apparent like where you live and annual miles driven.

• Multi-policy discounts can save money – Many insurance companies afford better rates to insureds who have multiple policies with them in the form of a multi-policy discount. Discounts can be as much as ten percent or more Even with this discount, you still need to comparison shop to help guarantee you have the best rates.
• High credit means lower costs – A driver’s credit score factor in determining what you pay for car insurance. So if your credit score could use some work, you could save money insuring your 1997 Ford F-350 if you improve your credit rating. Drivers with good credit tend to file fewer claims than drivers with lower credit ratings.
• Your location is a factor – Being located in less populated areas is a good thing when talking about car insurance. Fewer people translates into fewer accident claims in addition to lower liability claims Drivers who live in large cities have to deal with more auto accidents and longer commute times. Higher commute times means more chances of being involved in an auto accident.
• Being married pays dividends – Having a spouse can get you a discount on your car insurance policy. It generally demonstrates drivers are more stable financially and it’s proven that married drivers tend to have fewer serious accidents.
• Higher deductibles are cheaper – Physical damage deductibles are the amount of money you are required to spend if a claim is determined to be covered. Protection for physical damage, aka comp and collision, insures against damage to your car. A few examples of covered claims are collision with another vehicle, vandalism, and damage caused by road hazards. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for F-350 coverage.
• Reduce prices by driving vehicles with better crash test results – Cars with high safety ratings tend to have lower insurance rates. Safer cars reduce the chance of injuries and lower injury rates means less claims paid which can result in lower premiums. If your Ford F-350 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Demanding occupation may mean higher car insurance rates – Did you know your occupation can influence how much you pay for car insurance? Careers like real estate brokers, architects and medical professionals tend to pay the highest rates because of intense work requirements and long work days. On the flip side, professions such as professors, students and the unemployed have the lowest average rates for F-350 coverage.

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Insurance coverage rates and discounts

Some insurance providers don’t always advertise all their discounts very well, so the next list breaks down a few of the more common and also the lesser-known credits available to you.

• Discounts for Federal Employees – Active or former government employment can earn a discount up to 10% for F-350 coverage with a few insurance coverage companies.
• Full Payment Discount – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
• Memberships – Being in a professional or civic organization could trigger savings when shopping for insurance coverage.
• Home Ownership Discount – Owning your own home or condo can save you money because maintaining a house demonstrates responsibility.
• Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
• Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks for buying your policy over the internet.
• Discount for Passive Restraints – Factory options such as air bags can qualify for discounts of 25 to 30%.
• Auto/Life Discount – Select insurance companies reward you with a discount if you purchase some life insurance in addition to your auto policy.
• Responsible Driver Discounts – Drivers who don’t get into accidents may save up to 50% more for F-350 coverage than drivers with accident claims.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.

While discounts sound great, it’s important to understand that most discounts do not apply the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. Just because you may think it’s possible to get free car insurance, that’s just not realistic.

A few of the larger companies and a summarized list of policyholder discounts include:

• Farm Bureau discounts include safe driver, 55 and retired, multi-vehicle, youthful driver, good student, renewal discount, and multi-policy.
• Liberty Mutual policyholders can earn discounts including exclusive group savings, preferred payment discount, new graduate, multi-car, newly retired, new move discount, and newly married.
• State Farm may have discounts that include Steer Clear safe driver discount, passive restraint, multiple autos, Drive Safe & Save, and good student.
• Auto-Owners Insurance includes discounts for paperless, anti-theft, student away at school, company car, and air bags.
• Geico offers premium reductions for five-year accident-free, anti-theft, daytime running lights, military active duty, seat belt use, and federal employee.
• SAFECO may offer discounts for bundle discounts, anti-lock brakes, teen safe driver, multi-car, anti-theft, and safe driver.

If you want low cost auto insurance quotes, ask all companies you are considering to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in your area.

Don’t listen to company ads

Popular auto insurance providers such as Geico, State Farm and Progressive regularly use ads on TV and radio. They all make an identical promise that people will save if you just switch your auto insurance policy to them. How does each company cost less than your current company?

Auto insurance companies have a preferred profile for the type of driver that earns them the most money. An example of a profitable insured may be between 25 and 40, has a low-risk occupation, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” will probably get the lowest car insurance rates and as a result will probably save a lot of money.

Drivers who don’t measure up to these stringent criteria will probably be forced to pay more expensive rates and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. This is how companies can lure you into getting a quote.

Because of this risk profiling, drivers must get a wide range of price quotes. Because without a comparison, you cannot know which company will give you lower rates than your current company.

Situations that may require an agent’s advice

When buying proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining if your situation will benefit from professional help.

• What can I do if my company denied a claim?
• Should I buy additional glass protection?
• Do I need rental car coverage?
• Are rock chip repairs covered?
• Do I have coverage if my license is suspended?
• How much liability coverage do I need in my state?
• At what point should I drop full coverage?

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

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Coverages available on your insurance policy

Knowing the specifics of insurance helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. 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 theft, damage from flooding, rock chips in glass, hitting a deer and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage will pay to fix damage to your F-350 caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical services, loss of income and structural damage. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1997 Ford F-350.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like prosthetic devices, hospital visits and dental work. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Better coverage you can count on

Throughout this article, we presented many tips how you can save on 1997 Ford F-350 insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting affordable auto insurance. Consumers could even find that the lowest auto insurance rates are with a lesser-known regional company. Regional companies can often provide lower premium rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. Too many times, drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

More information is available on the following sites:

• Keeping Children Safe in Crashes Video (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Side Impact Crash Tests (iihs.org)

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