1999 Ford F-350 Super Duty Car Insurance Quotes – 10 Tips for Best Rates

Looking for cheaper insurance rates for your Ford F-350 Super Duty? No one cherishes buying insurance, in particular when they are paying too much.

Drivers have multiple car insurance companies to choose from, and even though it’s nice to be able to choose, it can be more challenging to compare rates.

Smart consumers take time to do rate comparisons quite often because insurance rates change frequently. Even if you got the lowest rates for F-350 Super Duty coverage last year you will most likely find a better rate today. So ignore everything you know about insurance because you’re about to learn the quickest way to find lower rates on insurance.

Finding affordable coverage is not that difficult. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. But drivers must know the way insurance companies determine prices because it can help you find the best coverage.

Don’t miss out on these ten money-saving discounts

Companies that sell car insurance don’t list every available discount very well, so we researched some of the best known and the more hidden ways to save on insurance.

  • Memberships – Belonging to a professional or civic organization could trigger savings on your policy for F-350 Super Duty coverage.
  • Paperless Signup – Certain companies may give you up to $50 simply for signing over the internet.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Defensive Driving Course – Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Bundle and Save – If you have multiple policies with the same insurance company you may save at least 10% off all policies.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for F-350 Super Duty coverage with select insurance companies.

Keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you’re out of luck.

Companies who might offer these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company what discounts are available to you. Some discounts may not be available in your state.

Do I need special coverages?

When it comes to buying the best car insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help highlight whether or not you may require specific advice.

  • Are my friends covered when driving my car?
  • Is my teenager covered with friends in the car?
  • If my pet gets injured in an accident are they covered?
  • Should I waive the damage coverage when renting a car?
  • How much can I save by bundling my policies?
  • How many claims can I have before being cancelled?
  • Are rock chip repairs covered?
  • Does coverage extend to Mexico or Canada?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverages 101

Knowing the specifics of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Liability coverages

This coverage will cover damage that occurs to people or other property in an accident. It protects YOU against claims from 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 values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like bail bonds, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for chiropractic care, dental work, pain medications, EMT expenses and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1999 Ford F-350 Super Duty.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, falling objects and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage covers damage to your F-350 Super Duty caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Saving money is sweet as honey

When shopping online for insurance, you should never buy poor coverage just to save money. There have been many cases where consumers will sacrifice physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at the best price, not the least amount of coverage.

Discount 1999 Ford F-350 Super Duty insurance can be bought from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.

More detailed insurance information can be read in the articles below: