1999 Ford F-350 Super Duty Insurance Quotes – 7 Policy Discounts

Do you think you bought overpriced insurance coverage? Believe me when I say you’re not the only one.

Popular companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with advertising and it can be hard to avoid their marketing magic and find the best price available.

Smart consumers take time to get comparison quotes yearly since insurance prices go up and down regularly. Just because you had the best rates for F-350 Super Duty insurance last year there is a good chance you can find better rate quotes now. Ignore everything you know about insurance coverage because you’re going to get a crash course in how to quote online to reduce your cost while increasing coverage.

Cheaper car insurance quotes with discounts

Insuring your vehicles can cost a lot, but you might find some hidden discounts to help bring down the price. Many discounts should be triggered when you get a quote, but less common discounts must be requested specifically in order for you to get them.

  • Good Student – A discount for being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
  • Driver Training Discounts – Passing a course that instructs on driving safety could earn you a small percentage discount if you qualify.
  • No Claims – Drivers who don’t have accidents can earn big discounts in comparison to accident-prone drivers.
  • Government Employees – Active or former government employment could provide a small rate reduction for F-350 Super Duty insurance depending on your car insurance provider.
  • Homeowners Savings – Being a homeowner can save a few bucks because of the fact that having a home means you have a higher level of financial diligence.
  • Professional Memberships – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts may earn rate discounts as much as 30%.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, you aren’t that lucky. But all discounts will reduce your policy premium.

To see insurers with the best discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there really is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

  • Does my insurance cover my expensive audio equipment?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have newly-aquired coverage?
  • When should I buy a commercial auto policy?
  • Does my insurance cover a custom paint job?
  • How much can I save by bundling my policies?
  • Do I need roadside assistance coverage?
  • Is my teenager covered with friends in the car?
  • Should I have combined single limit or split liability limits?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Will you really save $479 on insurance?

Respected companies like Allstate, GEICO and Progressive regularly use television, radio, and online ads. All the ads seem to make the promise of big savings if you change your coverage to them. How does every insurance company cost less than your current company? You have to listen carefully.

Most companies give the cheapest rates for the driver that will generate a profit. One example of this type of insured might be described as over age 30, has no claims, and drives newer vehicles. Anybody who meets those qualifications will get a cheap rate quote and is almost guaranteed to save when switching.

People who fall outside these stringent criteria will probably be forced to pay higher rates and this can result in the customer not purchasing. Company advertisements say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. This is how insurance companies can confidently state the savings.

This emphasizes why you should compare price quotes frequently. It’s impossible to know with any certainty which company will have the lowest rates.

Coverages available on your policy

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive auto coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, falling objects, a tree branch falling on your vehicle and fire damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like dental work, EMT expenses, ambulance fees, doctor visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability auto insurance – This will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as structural damage, legal defense fees, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision insurance covers damage to your F-350 Super Duty resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, backing into a parked car, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Get your money’s worth

While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped comprehensive coverage or liability limits only to find out that they should have had better coverage. Your aim should be to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Lower-priced 1999 Ford F-350 Super Duty insurance is available online in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and usually these small insurance companies only sell coverage through independent insurance agencies.

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