Are you sick of overpaying and want more competitive Ford F-350 insurance in Houston? Scraping up a payment for pricey Ford F-350 insurance in Houston can dwindle your monthly budget and possibly require postponing other expenditures. Shopping your coverage around can help to tighten up your finances.
Unbelievably, most consumers in Texas have remained with the same auto insurance company for over three years, and almost 40% of drivers have never compared rate quotes at all. With the average auto insurance premium being $1,847, American drivers could save an average of 47% each year by just comparing quotes, but they don’t know how much savings they would realize if they switched to a more affordable policy. Due to the large number of companies and agents to choose from, it can be diffult for people to choose the lowest price auto insurance company.
It’s a great practice to shop coverage around before your policy renews because insurance prices change quite often. Despite the fact that you may have had the best deal on Ford F-350 insurance in Houston at your last renewal there is a good chance you can find better rate quotes now. You can find a lot of wrong information about F-350 insurance on the web, but in this article, you’re going to get a lot of great tips on how to lower your auto insurance rates in Houston.
Buying the best policy in Houston is easy if you know what you’re doing. If you have coverage now or just want a better rate, you will benefit by learning to cut your premiums while maximizing coverage. Drivers just need to use the quickest method to shop their coverage around on the web.
Affordable companies for Ford F-350 insurance in Texas
The companies shown below are our best choices to provide price comparisons in Houston, TX. If several companies are displayed, it’s highly recommended you click on several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$368||$720||$772||$46||$230||$2,136||$178|
|F-350 XL Super Cab 4WD||$160||$312||$548||$32||$164||$1,216||$101|
|F-350 XL Super Cab 2WD||$318||$486||$430||$26||$128||$1,388||$116|
|F-350 Super Cab Cabela Package 4WD||$294||$542||$692||$40||$208||$1,776||$148|
|F-350 Super Cab Cabela Package 2WD||$286||$486||$358||$22||$108||$1,260||$105|
|F-350 XL Crew Cab 2WD||$196||$360||$430||$26||$128||$1,140||$95|
|F-350 Crew Cab Harley Edition 4WD||$354||$684||$600||$36||$180||$1,854||$155|
|F-350 Super Cab Harley Edition 4WD||$318||$580||$538||$32||$160||$1,628||$136|
|F-350 Crew Cab King Ranch 4WD||$288||$532||$742||$44||$222||$1,828||$152|
|F-350 XLT Crew Cab 4WD||$322||$594||$548||$32||$164||$1,660||$138|
|F-350 XL Super Cab Turbo Diesel 4WD||$354||$684||$600||$36||$180||$1,854||$155|
|F-350 XLT Super Cab 4WD||$410||$720||$772||$46||$230||$2,178||$182|
|F-350 XLT Super Cab 2WD||$404||$802||$462||$28||$138||$1,834||$153|
|F-350 XL Crew Cab Cabela Package 2WD||$404||$802||$462||$28||$138||$1,834||$153|
|F-350 XL Crew Cab King Ranch 2WD||$286||$486||$358||$22||$108||$1,260||$105|
|F-350 Crew Cab Lariat 4WD||$370||$672||$572||$34||$172||$1,820||$152|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$360||$660||$582||$34||$174||$1,810||$151|
|F-350 Crew Cab Cabela Package 4WD||$234||$462||$548||$32||$164||$1,440||$120|
|F-350 XL Crew Cab Turbo Diesel 4WD||$362||$774||$692||$40||$208||$2,076||$173|
|F-350 Super Cab Lariat 4WD||$196||$414||$646||$38||$194||$1,488||$124|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$470||$804||$748||$44||$224||$2,290||$191|
|F-350 XLT Super Cab Turbo Diesel 4WD||$258||$560||$646||$38||$194||$1,696||$141|
|F-350 Super Cab Lariat 2WD||$216||$360||$430||$26||$128||$1,160||$97|
|F-350 XL Super Cab Turbo Diesel 2WD||$318||$496||$366||$22||$110||$1,312||$109|
|F-350 Super Cab Harley Edition 2WD||$256||$392||$358||$22||$108||$1,136||$95|
|F-350 XLT Crew Cab 2WD||$350||$602||$430||$26||$128||$1,536||$128|
|F-350 XLT Crew Cab Lariat 2WD||$332||$472||$382||$22||$114||$1,322||$110|
|F-350 XLT Crew Cab Harley Edition 2WD||$440||$684||$388||$24||$116||$1,652||$138|
|F-350 XL Crew Cab Turbo Diesel 2WD||$326||$542||$462||$28||$138||$1,496||$125|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$446||$924||$692||$40||$208||$2,310||$193|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$350||$660||$600||$36||$180||$1,826||$152|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$350||$694||$646||$38||$194||$1,922||$160|
|F-350 Super Cab Harley Turbo Diesel 4WD||$258||$462||$548||$32||$164||$1,464||$122|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$390||$788||$430||$26||$128||$1,762||$147|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$350||$660||$400||$24||$120||$1,554||$130|
|F-350 Super Cab Harley Turbo Diesel 2WD||$318||$572||$366||$22||$110||$1,388||$116|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$392||$760||$496||$30||$148||$1,826||$152|
|F-350 Super Cab XLT Turbo Diesel 2WD||$230||$390||$392||$24||$118||$1,154||$96|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$436||$908||$742||$44||$222||$2,352||$196|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$446||$924||$692||$40||$208||$2,310||$193|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$288||$424||$500||$30||$150||$1,392||$116|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$280||$520||$514||$30||$154||$1,498||$125|
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in specific location which can increase or decrease price quotes greatly.
Rate difference between full and liability-only coverage
The example below illustrates the comparison of Ford F-350 insurance prices with full coverage and liability only. The premiums assume a clean driving record, no claims, $500 deductibles, single male driver, and no policy discounts are applied.
When to drop comprehensive and collision coverage
There is no written rule for phasing out physical damage coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Ford F-350 replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after you pay the deductible. If you are paying over $500 annually to have full coverage, then you might want to think about dropping full coverage.
There are some scenarios where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Verify you’re applying every discount
Car insurance companies don’t always advertise all their discounts very well, so the list below gives a summary of a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you buy Houston car insurance online.
- Good Drivers – Safe drivers can pay as much as 50% less than drivers with accidents.
- Accident-Free Discounts – Drivers with accident-free driving histories can save substantially compared to bad drivers.
- Anti-theft System – Cars that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
- Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
- Save over 55 – Seniors can possibly qualify for a discount up to 10%.
- Student in College – College-age children who are enrolled in a college that is more than 100 miles from Houston without a vehicle on campus may be able to be covered for less.
- Pay Upfront and Save – If you can afford to pay the entire bill instead of making monthly payments you can avoid the installment charge.
- Memberships – Joining a professional or civic organization could trigger savings on your policy.
- Defensive Driver – Taking a class that teaches defensive driver techniques can save you 5% or more and also improve your driving technique.
- Bundled Policy Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you could save approximately 10% to 15%.
You can save money using discounts, but most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, insurance companies aren’t that generous.
A few companies that have these money-saving discounts include:
If you are trying to find affordable Houston car insurance quotes, ask all the companies how you can save money. Depending on the company, some discounts may not apply to policyholders in your state. If you would like to see a list of companies that can offer you the previously mentioned discounts in Houston, click here.
Find Ford F-350 Insurance Cheaper
An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating the rates you pay for auto insurance. If you have a feel for what determines premiums, this enables informed choices that could result in much lower annual insurance costs.
The itemized list below are just a few of the factors companies use to determine your rates.
Fewer miles means better costs – The higher the miles on your Ford every year the more you will pay for auto insurance. The majority of insurers charge to insure your cars partially by how you use the vehicle. Cars that are left in the garage receive lower rates than those used for commuting. Having the wrong rating on your F-350 is throwing money out the window. Ask your agent if your auto insurance policy properly reflects annual mileage, because improper ratings can cost you money.
How your age affects prices – Beginning drivers in Texas have been known to be easily distracted when driving so they pay higher auto insurance rates. Adding a beginning driver to your policy can be very expensive. Older, more experienced drivers are more cautious drivers, cost insurance companies less in claims, and receive fewer citations.
Keep policy claims to a minimum – Companies in Texas give cheaper rates to people who only file infrequent claims. If you are the type of insured that files lots of claims you can look forward to higher rates. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
Having a spouse can save on auto insurance – Your spouse actually saves money compared to being single. It translates into being more mature and statistics show drivers who are married file infrequent claims.
Ford F-350 insurance loss probability – Insurance companies use statistical claims data to help set a rate to offset losses. Vehicles that tend to have a trend towards higher claim severity or frequency will have a higher premium rate. The table below shows the historical insurance loss data for Ford F-350 vehicles.
For each coverage type, the claim amount for all vehicles combined as an average equals 100. Values below 100 mean the vehicle has better than average losses, while values that are above 100 show a trend for more claims or an increased chance of larger losses than average.
Ford F-350 Insurance Claim Statistics
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford F-350 4WD||78||54|
|Ford F-350 SuperCab 4WD||66||90||98|
|Ford F-350 SuperCrew 2WD||108||232|
|Ford F-350 SuperCrew 4WD||96||134||179||47||44||90|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Local agents and auto insurance
A lot of people just prefer to get advice from a local agent and there is nothing wrong with that. Most agents can help determine the best coverages and help submit paperwork. One of the best bonuses of price shopping on the web is you may find lower rates and still choose a local agent. Buying from small agencies is still important in Houston.
Once you complete this quick form, the coverage information is immediately sent to agents in your area who will return price quotes and help you find cheaper coverage. It’s much easier because you don’t need to find an agent as quotes are delivered directly to your email. If you have a need to compare prices from a specific company, you would need to go to their quote page and complete a quote there.
Independent or Exclusive: It’s your choice
If you would like to find a reliable insurance agency, it’s important to understand the types of agencies and how they function. Auto insurance agents can be categorized as either independent agents or exclusive agents. Either one can sell and service auto insurance coverage, but it’s a good idea to understand why they differ because it can impact the type of agent you choose.
Independent Insurance Agents
Agents that choose to be independent do not work for one specific company so they can write business through many companies and find the cheapest rate. If they quote lower rates, they simply move your policy to a different company and you don’t have to switch agencies. If you need cheaper auto insurance rates, you will definitely want to compare quotes from several independent insurance agents for maximum quote selection.
The following is a list of independent agents in Houston that can possibly get you free price quotes.
Exclusive Auto Insurance Agencies
These agents can only provide one company’s prices and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents receive a lot of sales training on sales techniques which helps them sell insurance even at higher premiums.
Shown below is a list of exclusive insurance agencies in Houston who can help you get comparison quotes.
Selecting an car insurance agent needs to be determined by more than just a cheap price quote. These are some valid questions you should ask.
- How often do they review coverages?
- By raising physical damage deductibles, how much would you save?
- How are claims handled?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are they full-time agents?
- Can you choose the body shop in case repairs are needed?
- Will the quote change when the policy is issued?
Once you have positive responses and a low price estimate, chances are good that you have found an insurance agency that will provide auto insurance coverage. Just be aware that policyholders can cancel a policy whenever you choose to so don’t think that you are permanently stuck with the auto insurance policy with no way out.
Quote more and you will save more
As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. In many instances, an insured dropped liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. Your goal is to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.
In this article, we covered some good ideas how you can reduce Ford F-350 insurance premium rates online in Houston. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best price on auto insurance is with some of the lesser-known companies. They may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.
To read more, take a look at the articles below:
- Smart Auto Insurance Tips (Insurance Information Institute)
- How Much is Car Insurance for a Ford Fusion in Houston? (FAQ)
- How Much are Houston Auto Insurance Rates for a Hyundai Sonata? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers Under 25 in Houston? (FAQ)
- How Much are Auto Insurance Quotes for High Risk Drivers in Houston? (FAQ)
- Who Has the Cheapest Houston Auto Insurance for Homeowners? (FAQ)
- What Car Insurance is Cheapest for a GMC Sierra in Houston? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Distracted Driving (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)