Best Ways to Save on Corpus Christi Ford F-350 Insurance

Discount Ford F-350 insuranceThe best way to find lower priced Ford F-350 insurance is to annually compare prices from providers that insure vehicles in Corpus Christi. Drivers can shop around by completing these steps.

  1. Spend some time learning about coverages and the things you can change to prevent expensive coverage. Many things that cause rate increases like getting speeding tickets and an unacceptable credit rating can be eliminated by making minor changes in your lifestyle. Later in this article we will cover additional ideas to prevent high prices and find possible discounts that are available.
  2. Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide price quotes for a wide range of companies.
  3. Compare the new rates to the premium of your current policy to determine if you can save on F-350 insurance in Corpus Christi. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.
  4. Provide notification to your current company to cancel your existing policy and submit a signed application and payment to your new agent or company. As soon as coverage is bound, place the new proof of insurance paperwork somewhere easily accessible.

One bit of advice is to compare similar limits and deductibles on every quote request and and to get rate quotes from as many different companies as possible. Doing this ensures an accurate price comparison and a complete price analysis.

It’s hard to fathom, but a large majority of drivers kept their coverage with the same insurance company for at least four years, and almost half have never even shopped around for lower-cost coverage. Texas drivers can save hundreds of dollars each year, but they just don’t want to compare rates and save money.

To find cheap quotes, there are a couple of ways to compare prices from lots of Texas auto insurance companies. The best method to find the cheapest Ford F-350 insurance rates involves getting comparison quotes online.

Doing online quotes comparisons is so easy that it makes it a waste of time to call or drive to each insurance agency near you. The ability to buy insurance online can eliminate the need for a local agent unless you want the extra assistance that only an agent can give. You can, however, compare the best prices online and still use a local agent. When comparison shopping, obtaining a wide range of quotes helps locate lower pricing. Some smaller insurers do not give price estimates online, so you need to compare quotes from them as well.

The car insurance companies shown below are ready to provide free rate quotes in Corpus Christi, TX. In order to find cheaper car insurance in Corpus Christi, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.

Get cheaper Ford F-350 insurance in Corpus Christi with discounts

Companies offering auto insurance don’t always advertise the complete list of policy discounts very clearly, so here is a list a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Corpus Christi car insurance online.Cheaper insurance with discounts

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though you would think you could get a free insurance policy, you won’t be that lucky.

The information below visualizes the comparison of Ford F-350 yearly insurance costs with and without discounts applied to the policy rates. The data is based on a female driver, no claims or driving violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, safe-driver, marriage, and claim-free discounts applied.

A few companies that may offer policyholders these discounts possibly include:

When getting free Corpus Christi car insurance quotes, it’s a good idea to every prospective company which discounts they offer. All car insurance discounts might not apply everywhere. To see insurers who offer free Ford F-350 insurance quotes in Texas, click this link.

Rate information and statistics

The rate table below covers different insurance prices for Ford F-350 models. Having a better understanding of how rates are formulated is important for you to make informed decisions when shopping around for a new policy.

Ford F-350 Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $422 $698 $748 $44 $224 $2,136 $178
F-350 XL Super Cab 4WD $422 $698 $748 $44 $224 $2,136 $178
F-350 XL Super Cab 2WD $470 $592 $500 $30 $150 $1,742 $145
F-350 Super Cab Cabela Package 4WD $470 $698 $748 $44 $224 $2,184 $182
F-350 Super Cab Cabela Package 2WD $470 $698 $500 $30 $150 $1,848 $154
F-350 XL Crew Cab 2WD $470 $698 $500 $30 $150 $1,848 $154
F-350 Crew Cab Harley Edition 4WD $470 $698 $748 $44 $224 $2,184 $182
F-350 Super Cab Harley Edition 4WD $470 $698 $748 $44 $224 $2,184 $182
F-350 Crew Cab King Ranch 4WD $470 $698 $748 $44 $224 $2,184 $182
F-350 XLT Crew Cab 4WD $470 $698 $748 $44 $224 $2,184 $182
F-350 XL Super Cab Turbo Diesel 4WD $470 $698 $748 $44 $224 $2,184 $182
F-350 XLT Super Cab 4WD $470 $698 $748 $44 $224 $2,184 $182
F-350 XLT Super Cab 2WD $470 $698 $500 $30 $150 $1,848 $154
F-350 XL Crew Cab Cabela Package 2WD $470 $698 $500 $30 $150 $1,848 $154
F-350 XL Crew Cab King Ranch 2WD $470 $698 $500 $30 $150 $1,848 $154
F-350 Crew Cab Lariat 4WD $470 $804 $748 $44 $224 $2,290 $191
F-350 Crew Cab King Ranch Turbo Diesel 4WD $470 $804 $748 $44 $224 $2,290 $191
F-350 Crew Cab Cabela Package 4WD $470 $804 $748 $44 $224 $2,290 $191
F-350 XL Crew Cab Turbo Diesel 4WD $470 $804 $748 $44 $224 $2,290 $191
F-350 Super Cab Lariat 4WD $470 $804 $748 $44 $224 $2,290 $191
F-350 Super Cab Cabela Turbo Diesel 4WD $470 $804 $748 $44 $224 $2,290 $191
F-350 XLT Super Cab Turbo Diesel 4WD $470 $804 $748 $44 $224 $2,290 $191
F-350 Super Cab Lariat 2WD $518 $698 $500 $30 $150 $1,896 $158
F-350 XL Super Cab Turbo Diesel 2WD $518 $698 $500 $30 $150 $1,896 $158
F-350 Super Cab Harley Edition 2WD $518 $698 $500 $30 $150 $1,896 $158
F-350 XLT Crew Cab 2WD $518 $698 $500 $30 $150 $1,896 $158
F-350 XLT Crew Cab Lariat 2WD $518 $698 $500 $30 $150 $1,896 $158
F-350 XLT Crew Cab Harley Edition 2WD $518 $698 $500 $30 $150 $1,896 $158
F-350 XL Crew Cab Turbo Diesel 2WD $518 $698 $500 $30 $150 $1,896 $158
F-350 Super Cab Lariat Turbo Diesel 4WD $518 $804 $748 $44 $224 $2,338 $195
F-350 XLT Crew Cab Turbo Diesel 4WD $518 $804 $748 $44 $224 $2,338 $195
F-350 Crew Cab Harley Turbo Diesel 4WD $518 $804 $748 $44 $224 $2,338 $195
F-350 Super Cab Harley Turbo Diesel 4WD $518 $804 $748 $44 $224 $2,338 $195
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $518 $804 $500 $30 $150 $2,002 $167
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $518 $804 $500 $30 $150 $2,002 $167
F-350 Super Cab Harley Turbo Diesel 2WD $518 $804 $500 $30 $150 $2,002 $167
F-350 Super Cab Cabela Turbo Diesel 2WD $518 $804 $500 $30 $150 $2,002 $167
F-350 Super Cab XLT Turbo Diesel 2WD $518 $804 $500 $30 $150 $2,002 $167
F-350 Crew Cab Lariat Turbo Diesel 4WD $518 $804 $748 $44 $224 $2,338 $195
F-350 Crew Cab Cabela Turbo Diesel 4WD $518 $804 $748 $44 $224 $2,338 $195
F-350 Crew Cab Lariat Turbo Diesel 2WD $518 $804 $500 $30 $150 $2,002 $167
F-350 Super Cab Lariat Turbo Diesel 2WD $518 $804 $500 $30 $150 $2,002 $167
Get Your Own Custom Quote Go

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate quotes do not factor in your specific Corpus Christi location which can impact coverage rates noticeably.

Careless drivers pay higher rates

The chart below highlights how traffic violations and at-fault fender-benders drive up Ford F-350 auto insurance costs for different age groups of insureds. The rates are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Do you need full coverage?

The chart below illustrates the comparison of Ford F-350 car insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no claims, a clean driving record, $500 deductibles, drivers are not married, and no discounts are factored in.

Deciding between full coverage and liability only

There isn’t a written rule of when to exclude comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s say your Ford F-350 settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after the deductible is paid. If premium cost is more than $500 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some cases where removing full coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Decisions You Make Can Impact Your Insurance Rates

An important part of buying insurance is that you know the rating factors that come into play when calculating the rates you pay for car insurance. If you know what influences your rates, this allows you to make good choices that will entitle you to lower premium levels. Multiple criteria are part of the equation when you get your auto insurance bill. Some are pretty understandable such as your driving record, although some other factors are less apparent like where you live or your vehicle rating.

The itemized list below are a few of the things that factor into your rates.

Males pay more for car insurance – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean women are BETTER drivers than men. Females and males have auto accidents at a similar rate, but men cause more damage and cost insurance companies more money. In addition to higher claims, males also have more aggressive citations like DWI (DUI) or reckless driving. Young males tend to get in the most accidents and are penalized with high car insurance rates.

The illustration below compares Ford F-350 insurance premiums for male and female drivers. The prices are based on no accidents, no driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are factored in.

Car insurance rates and age – Drivers with little experience tend to be inattentive with other occupants in the car so they pay higher car insurance rates. Parents adding a youthful driver onto your car insurance can break the bank. More experienced drivers are more responsible, cause fewer claims and accidents, and usually have better credit.

The following data uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

High physical damage deductibles cost less – The deductibles are how much you are willing to pay if a covered claim is submitted. Physical damage coverage, aka comp and collision, is used to repair damage to your car. Some examples of covered claims are colliding with a stationary object, damage from fire, and damage caused by road hazards. The more damage repair cost you are required to pay out-of-pocket, the less your car insurance will be.

Discounts for married couples – Having a spouse may cut your premiums when buying car insurance. Having a significant other generally demonstrates drivers are more mature than a single person and it’s statistically proven that being married results in fewer claims.

Minor frequent policy claims are not good – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Insurance companies in Texas provide most affordable rates to insureds who only file infrequent claims. Insurance coverage is intended to be relied upon for claims that pose a financial burden.

Insurance losses for a Ford F-350 – Auto insurance companies analyze past claim statistics when setting rates for each model. Vehicles that the data shows to have increased losses will have higher premium rates. The data below shows the insurance loss data for Ford F-350 vehicles.

For each type of coverage, the claim amount for all vehicles, as an average, is a value of 100. Values that are below 100 represent a good loss history, while percentage numbers above 100 indicate frequent claims or a tendency for claims to be larger.

Auto Insurance Loss Data for Ford F-350 Models
Vehicle 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
Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years