How Much Does 1993 Ford F-350 Car Insurance Cost?

Paying for expensive Ford F-350 insurance can drain your checking account and put the squeeze on your family’s finances. Performing a price comparison is recommended to reduce premiums and put more money in your pocket.

Since you have so many insurance providers from which to choose, it is very difficult to find the cheapest insurer.

Shop auto insurance online

Most of the larger companies give pricing on the web. Obtaining pricing is pretty easy as you simply enter your personal and coverage information into a form. Upon sending the form, the company’s rating system collects reports for credit and driving violations and returns pricing information. Online quotes streamlines rate comparisons, but having to visit each company’s website and repetitively complete many quote forms is a waste of time. But it’s very important to get many rate quotes if you want to get the lowest auto insurance rates.

A more efficient way to compare rates makes use of a single form to get prices from a bunch of companies at once. It saves time, eliminates form submissions, and makes rate comparisons much simpler. After sending the form, it gets priced and you are able to buy your choice of the price quotes you receive.

If you find a better price you can click and sign and purchase the new policy. The whole process only takes a few minutes and you will know how your current rates stack up.

To compare rates now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you copy the coverage information as shown on your current policy. This guarantees you will be getting rate quotes based on similar coverages.

Save money with discounts

Insuring your fleet can be pricey, but companies offer discounts to cut the cost considerably. A few discounts will automatically apply when you get a quote, but some discounts are required to be inquired about before they will apply. If you don’t get every credit you qualify for, you could be paying more than you need to.

  • Discounts for Safe Drivers – Insureds without accidents can save up to 40% or more on their car insurance quote on F-350 coverage than drivers with accidents.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on F-350 coverage with a few auto insurance companies.
  • Student in College – who live away from home at college and leave their car at home may be insured at a cheaper rate.
  • Discount for Multiple Policies – If you can combine your auto and home policy with one company you could get a discount of up to 20% and get you inexpensive car insurance.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving can save 10% or more off the personal injury premium cost.
  • Homeowners Savings – Just owning your own home can save a few bucks since home ownership requires personal responsibility.
  • Service Members Pay Less – Having a family member in the military could qualify you for better prices.
  • Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents so companies give up to a 10% discount.
  • Life Insurance – If the company offers life insurance, you could get a discount if you purchase life insurance.

While discounts sound great, it’s important to understand that many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. Just because you may think you can get free auto insurance, auto insurance companies aren’t that generous.

A list of companies and some of their more popular discounts include:

  • American Family has discounts for bundled insurance, early bird, accident-free, Steer into Savings, and defensive driver.
  • Farm Bureau discounts include driver training, good student, renewal discount, youthful driver, and safe driver.
  • State Farm offers discounts including safe vehicle, passive restraint, Steer Clear safe driver discount, defensive driving training, accident-free, good student, and good driver.
  • Travelers policyholders can earn discounts including multi-car, home ownership, payment discounts, IntelliDrive, and hybrid/electric vehicle.
  • The Hartford has savings for driver training, anti-theft, air bag, good student, vehicle fuel type, and defensive driver.
  • GEICO may offer discounts for membership and employees, seat belt use, anti-lock brakes, daytime running lights, air bags, and emergency military deployment.
  • Progressive includes discounts for online signing, continuous coverage, online quote discount, multi-policy, and homeowner.

Double check with every prospective company what discounts are available to you. Some credits might not be offered in every state. To view providers that offer the discounts shown above, click here to view.

What is the best car insurance coverage?

When buying proper insurance coverage, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • Who is covered when they drive my 1993 Ford F-350?
  • Am I covered if I hit a deer?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I have newly-aquired coverage?
  • Am I better off with higher deductibles on my 1993 Ford F-350?
  • Can I make deliveries for my home business?
  • How do I buy GAP insurance?
  • Am I covered when driving on a suspended license?
  • Should I put collision coverage on all my vehicles?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions then you might want to talk to 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. It’s fast, doesn’t cost anything and may give you better protection.

Educated choices result in lower insurance rates

Consumers need to have an understanding of the rating factors that aid in calculating the level of your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that could result in much lower annual insurance costs.

The items below are some of the things used by companies to determine your prices.

  • Raise your physical damage deductibles for better costs – Your deductibles define how much you are required to spend if a claim is determined to be covered. Protection for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. A few examples of covered claims would be a windshield broken by a bird, collision with a deer, or theft of your vehicle. The more of the claim you pay before a claim is paid (deductible), the less your insurance coverage will be on F-350 coverage.
  • Teen drivers pay high rates – Teenage drivers are statistically shown to get distracted easily when behind the wheel so they pay higher insurance coverage rates. Older insureds are proven to be safer behind the wheel, statistically cause fewer accidents and receive fewer citations.
  • Better drivers pay less – Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Only having one speeding ticket can increase rates twenty percent or more. Drivers who have received serious citations like reckless driving or DUI might be required by their state to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent their license from being revoked.
  • Premiums are affected by your credit rating – Your credit score factor in determining what you pay. Therefore, if your credit rating could use some work, you could save money insuring your 1993 Ford F-350 by taking the time to improve your credit score. Drivers who have excellent credit tend to be better risks to insure than drivers with lower credit ratings.
  • Gender and auto insurance prices – Over the last 30 years, statistics show females are less aggressive when driving. That doesn’t necessarily mean that men are worse drivers. Both sexes cause fender benders in similar numbers, but the men tend to have higher claims. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI).
  • Rates can drop if you have more than one policy – Most major insurers provide better rates to people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to comparison shop to guarantee you are still saving the most.

Can you really save $413 a year?

Consumers can’t get away from ads that claim the lowest premium rates by Allstate, GEICO and Progressive. They all make an identical promise that people will save if you change your policy.

It sounds good, but how can they all charge less that you’re paying now? It’s all in the words they use.

All companies have a preferred profile for the type of insured they prefer to insure. For instance, this type of risk profile could be between 25 and 40, has never had a policy lapse, and drives less than 10,000 miles a year. A propective insured who matches that profile will probably get cheap auto insurance rates and therefore will save when they switch companies.

Drivers who cannot meet this stringent profile will probably be forced to pay more expensive rates and this results in business not being written. The ad wording is “drivers that switch” not “everyone that quotes” save that much. That is how insurance companies can make those claims.

Different companies use different criteria so you need to get as many free car insurance quotes as possible. It is just not possible to predict which car insurance company will have the lowest premium rates for your situation.

Car insurance 101

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on the average auto insurance policy.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills such as rehabilitation expenses, doctor visits, X-ray expenses and chiropractic care. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, damage from a tornado or hurricane, rock chips in glass, vandalism and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision coverage pays for damage to your F-350 resulting from a collision 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 coverage pays for things such as sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.


Liability coverage protects you from damage that occurs to people or other property. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, medical expenses, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Ford F-350.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

The best insurance company isn’t always the cheapest

We just showed you a lot of techniques to lower your 1993 Ford F-350 insurance premium rates. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest priced car insurance comes from the least-expected company. These companies can often provide lower prices in certain areas than their larger competitors like State Farm and Allstate.

Lower-priced 1993 Ford F-350 insurance can be sourced both online in addition to local insurance agencies, so you need to shop car insurance with both in order to have the best price selection to choose from. Some insurance providers do not offer online rate quotes and these smaller providers only sell coverage through independent agents.

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