Did you make the mistake of buying an overpriced insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.
Due to the abundance of choices of insurance companies, it can be diffult for drivers to pick a more affordable insurance provider.
There are a variety of methods to shop for insurance coverage, but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with agents in your area, or you could save time and use online quotes to get prices fast.
Many insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and each company then returns a price quote based on that information. This eliminates the need for repetitive form submissions to each individual insurance coverage company. To compare rates now click here to start a free quote.
The one downside to using this type of system is that consumers can’t choose which providers to get quotes from. So if you want to select specific providers for rate comparison, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.
Compare rates however you want, just make darn sure you compare apples-to-apples coverage limits for every company. If you compare mixed coverages you will not be able to make a fair comparison for your Ford F-350 Super Duty. Quoting even small variations in limits may result in large price differences. Keep in mind that getting more free quotes increases your odds of finding more affordable insurance.
State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. They all seem to make the point that people will save just by switching your coverage to them. That’s great but how can every company claim to save you money? It’s all in the wording.
All companies give the best rates for the type of customer that will add to their bottom line. For instance, a preferred risk might have to be over the age of 40, has never had a policy lapse, and chooses high deductibles. A customer getting a price quote that meets those criteria receives the best car insurance rates and as a result will probably cut their rates substantially.
Drivers who don’t measure up to this ideal profile may receive more expensive rates with the end result being business not being written. The ads state “customers who switch” not “everyone that quotes” save that much money. That is how companies can advertise the savings.
Different companies use different criteria so you really should compare many company’s rates. It is impossible to predict which insurance companies will fit you best based on your risk profile.
Car insurance is not inexpensive, but you may qualify for discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time of quoting, but occassionally some discounts must be asked for before you get the savings.
As a sidenote, most discount credits are not given to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way.
Some companies that may offer quotes with many of the previously listed discounts include:
When getting free insurance quotes, it’s a good idea to all the companies the best way to save money. All car insurance discounts may not apply in your area. For a list of insurers that have a full spectrum of discounts, click here.
When buying the right insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
Knowing the specifics of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on most insurance policies.
Medical expense insurance – Med pay and PIP coverage pay for expenses like ambulance fees, funeral costs and EMT expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage
Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision 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 coverage protects against things like sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.
Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like hitting a bird, fire damage, falling objects, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford F-350 Super Duty.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are similar to your liability insurance amounts.
Auto liability insurance – This coverage will cover damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things like loss of income, court costs, structural damage, medical expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.
When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.
The cheapest 2004 Ford F-350 Super Duty insurance is attainable from both online companies and from local agencies, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not offer the ability to get quotes online and usually these small, regional companies sell through independent agents.
In this article, we covered a lot of techniques to compare 2004 Ford F-350 Super Duty insurance premium rates online. The most important thing to understand is the more providers you compare, the better your comparison will be. You may be surprised to find that the best price on insurance is with a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.
Even more information can be found in these articles: