Everyone knows that auto insurance companies don't want you shop around. People who get price quotes annually are inclined to switch companies because there are good odds of finding a lower-priced policy. A recent auto insurance study discovered that people who compared rates regularly saved over $865 a year compared to other drivers who never compared other company's rates.
If finding the cheapest rates on Ford F-350 insurance in Plano is your target objective, then having some insight into how to get free comparison quotes and analyze insurance can help simplify the task of finding more affordable coverage.
If saving money is your primary concern, then the best way to get low-cost Ford F-350 insurance in Plano is to start comparing prices regularly from insurers in Texas. Drivers can shop around by following these guidelines.
First, read about what is in your policy and the steps you can take to keep rates in check. Many risk factors that drive up the price like traffic violations and a not-so-good credit history can be improved by making minor driving habit or lifestyle changes. Read the full article for more ideas to help prevent expensive coverage and get bigger discounts.
Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO and State Farm, while independent agents can provide prices for a wide range of insurance providers. View insurance agents
Third, compare the new rate quotes to your existing rates to see if cheaper F-350 coverage is available. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.
A valuable tip to remember is that you'll want to make sure you compare similar deductibles and liability limits on every quote request and and to get rate quotes from as many carriers as you can. This guarantees a fair rate comparison and a complete rate analysis.
If you have coverage now or just want cheaper rates, you can use these techniques to get lower rates without sacrificing coverage. These tips will introduce you to the most effective way to quote insurance and how to save the most money. Smart shoppers just need to learn the proper methods to shop their coverage around using one simple form.
The quickest way to compare rate quotes for Ford F-350 insurance in Plano is to know the trick most of the larger companies allow for online access to compare rate quotes. To get started, all you need to do is give them rating details such as the type of vehicles you drive, whether the vehicles are used for commuting, what your job is, and your credit rating estimate. That information is instantly sent to insurance carriers in your area and you will receive price estimates instantly to find the best rate.
To get price quotes for your car now, click here and complete the form.
The companies shown below are our best choices to provide price quotes in Texas. To find cheap auto insurance in Texas, we suggest you visit two to three different companies to find the most competitive auto insurance rates.
Three good reasons to insure your Ford F-350
Despite the potentially high cost of Ford F-350 insurance, insurance is required in Texas but it also protects you in many ways.
First, almost all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your vehicle with a loan, almost every bank will make it mandatory that you buy full coverage to guarantee payment of the loan. If the policy lapses, the bank or lender will purchase a policy for your Ford at a more expensive rate and require you to pay for it.
Third, insurance preserves both your Ford and your assets. It will also pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay to defend you if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of having insurance definitely exceed the price paid, particularly for liability claims. Unknowingly, the average driver is currently overpaying as much as $825 a year so you should quote and compare rates at every renewal to help ensure money is not being wasted.
Premium rates and analysis
The coverage information displayed below covers a range of prices for Ford F-350 models. Understanding how prices are figured is important for you to make decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$318||$660||$742||$44||$222||$1,986||$166|
|F-350 XL Super Cab 4WD||$318||$660||$742||$44||$222||$1,986||$166|
|F-350 XL Super Cab 2WD||$356||$560||$496||$30||$148||$1,590||$133|
|F-350 Super Cab Cabela Package 4WD||$356||$660||$742||$44||$222||$2,024||$169|
|F-350 Super Cab Cabela Package 2WD||$356||$660||$496||$30||$148||$1,690||$141|
|F-350 XL Crew Cab 2WD||$356||$660||$496||$30||$148||$1,690||$141|
|F-350 Crew Cab Harley Edition 4WD||$356||$660||$742||$44||$222||$2,024||$169|
|F-350 Super Cab Harley Edition 4WD||$356||$660||$742||$44||$222||$2,024||$169|
|F-350 Crew Cab King Ranch 4WD||$356||$660||$742||$44||$222||$2,024||$169|
|F-350 XLT Crew Cab 4WD||$356||$660||$742||$44||$222||$2,024||$169|
|F-350 XL Super Cab Turbo Diesel 4WD||$356||$660||$742||$44||$222||$2,024||$169|
|F-350 XLT Super Cab 4WD||$356||$660||$742||$44||$222||$2,024||$169|
|F-350 XLT Super Cab 2WD||$356||$660||$496||$30||$148||$1,690||$141|
|F-350 XL Crew Cab Cabela Package 2WD||$356||$660||$496||$30||$148||$1,690||$141|
|F-350 XL Crew Cab King Ranch 2WD||$356||$660||$496||$30||$148||$1,690||$141|
|F-350 Crew Cab Lariat 4WD||$356||$760||$742||$44||$222||$2,124||$177|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$356||$760||$742||$44||$222||$2,124||$177|
|F-350 Crew Cab Cabela Package 4WD||$356||$760||$742||$44||$222||$2,124||$177|
|F-350 XL Crew Cab Turbo Diesel 4WD||$356||$760||$742||$44||$222||$2,124||$177|
|F-350 Super Cab Lariat 4WD||$356||$760||$742||$44||$222||$2,124||$177|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$356||$760||$742||$44||$222||$2,124||$177|
|F-350 XLT Super Cab Turbo Diesel 4WD||$356||$760||$742||$44||$222||$2,124||$177|
|F-350 Super Cab Lariat 2WD||$392||$660||$496||$30||$148||$1,726||$144|
|F-350 XL Super Cab Turbo Diesel 2WD||$392||$660||$496||$30||$148||$1,726||$144|
|F-350 Super Cab Harley Edition 2WD||$392||$660||$496||$30||$148||$1,726||$144|
|F-350 XLT Crew Cab 2WD||$392||$660||$496||$30||$148||$1,726||$144|
|F-350 XLT Crew Cab Lariat 2WD||$392||$660||$496||$30||$148||$1,726||$144|
|F-350 XLT Crew Cab Harley Edition 2WD||$392||$660||$496||$30||$148||$1,726||$144|
|F-350 XL Crew Cab Turbo Diesel 2WD||$392||$660||$496||$30||$148||$1,726||$144|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$392||$760||$742||$44||$222||$2,160||$180|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$392||$760||$742||$44||$222||$2,160||$180|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$392||$760||$742||$44||$222||$2,160||$180|
|F-350 Super Cab Harley Turbo Diesel 4WD||$392||$760||$742||$44||$222||$2,160||$180|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$392||$760||$496||$30||$148||$1,826||$152|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$392||$760||$496||$30||$148||$1,826||$152|
|F-350 Super Cab Harley Turbo Diesel 2WD||$392||$760||$496||$30||$148||$1,826||$152|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$392||$760||$496||$30||$148||$1,826||$152|
|F-350 Super Cab XLT Turbo Diesel 2WD||$392||$760||$496||$30||$148||$1,826||$152|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$392||$760||$742||$44||$222||$2,160||$180|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$392||$760||$742||$44||$222||$2,160||$180|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$392||$760||$496||$30||$148||$1,826||$152|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$392||$760||$496||$30||$148||$1,826||$152|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in Plano location which can decrease or increase premium rates noticeably.
The chart below shows how choosing a deductible and can affect Ford F-350 insurance prices for different age groups. The rates are based on a married female driver, full coverage, and no additional discounts are factored in.
Ford F-350 full coverage rates compared to liability only
The diagram below visualizes the comparison of Ford F-350 insurance costs with full coverage compared to only the Texas minimum liability coverage. The data assumes a clean driving record, no claims, $500 deductibles, drivers are single, and no policy discounts are applied.
When to stop buying physical damage coverage
There isn't a steadfast formula for eliminating physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let's say your Ford F-350 settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after you pay the deductible. If premium cost is more than $500 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some cases where removing full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.
Score discounts to get cheaper Plano car insurance quotes
Car insurance is not cheap nor is it fun to buy but there could be available discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be manually applied before being credited.
- Discounts for Seat Belt Usage - Buckling up and requiring all passengers to buckle up before driving can save up to 15% off the medical payments premium.
- Passenger Safety Discount - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 25 to 30%.
- Low Mileage Discounts - Fewer annual miles on your Ford could qualify for substantially lower rates.
- Theft Prevention Discount - Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and can earn a small discount on your policy.
- Paperless Signup - Certain companies will give a small break for buying your policy digitally online.
- Bundle and Save - When you combine your homeowners and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
- Defensive Driver Discounts - Taking a defensive driver course could save 5% or more and also improve your driving technique.
Don't be surprised that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, it just doesn't work that way.
The information below shows the difference between Ford F-350 auto insurance costs with and without policy discounts. The costs are based on a female driver, no claims or violations, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, multi-policy, and safe-driver discounts applied.
Some of the insurance companies that have most of the discounts above possibly include:
When quoting, ask every prospective company the best way to save money. All car insurance discounts may not apply to policies in your area.
Independent and exclusive insurance agents
Many drivers just want to have an agent's advice and that is a personal choice. Professional insurance agents are trained to spot inefficiencies and help you file claims. A good thing about getting free rate quotes online is you can get the lowest rates but still work with a licensed agent. And buying from neighborhood agents is important particularly in Plano.
After completing this short form, your coverage information is instantly submitted to companies in Plano who want to provide quotes for your coverage. You won't even need to drive around since rate quotes are delivered to you directly. If for some reason you want to compare rates from a specific company, feel free to jump over to their website and submit a quote form there.
If you're trying to find a reliable insurance agency, you need to know there are two different agency structures and how they work. Auto insurance agents can be categorized as either independent or exclusive. Either can provide auto insurance policies, but it's worth mentioning how they differ because it can impact which agent you choose.
Independent Insurance Agents
These type of agents do not sell for just one brand so as a result can place your coverage with multiple insurance companies depending on which coverage is best. If premiums increase, they simply switch companies in-house which requires no work on your part. If you are comparing rate quotes, you definitely need to compare quotes from a few independent agents to have the best price comparison. Most have the option of insuring with small mutual carriers which can be an advantage.
Featured below is a small list of independent agents in Plano who may be able to give you free rate quotes.
- Best Insurance Agent
4332 Belvedere Dr - Plano, TX 75093 - (972) 398-2697 - View Map
- Alpha Omega Insurance Agency
3275 Independence Pkwy - Plano, TX 75075 - (972) 519-5435 - View Map
- Guest Insurance Agency
903 18th St Ste 124 - Plano, TX 75074 - (972) 424-4209 - View Map
Agents that choose to be exclusive are contracted to one company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide other company's prices so it's a take it or leave it situation. Exclusive agents are trained well on what they offer which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use an exclusive agent primarily because of the brand name instead of buying on price only.
Listed below is a short list of exclusive agents in Plano that are able to give rate quotes.
- Raymond Holden - State Farm Insurance Agent
6100 K Ave #106 - Plano, TX 75074 - (972) 424-5900 - View Map
- Louie Devega - State Farm Insurance Agent
6205 Coit Rd #300 - Plano, TX 75024 - (214) 473-9000 - View Map
- Burl Wood - State Farm Insurance Agent
3608 Preston Rd #200 - Plano, TX 75093 - (972) 867-0090 - View Map
Picking the best insurance agency requires more thought than just the premium amount. These are some questions you should get answers to.
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is there any savings for paying the full premium?
- Are they able to influence company decisions when a claim is filed?
- Does their agency support local causes in Plano?
- If your car is totaled, how to they determine the replacement cost?
- Is there a local claims center in Plano?
- How often do they review coverages?
- Do they get paid more for recommending certain coverages?
Everyone needs different car insurance coverages
When selecting a policy, there isn't really a one-size-fits-all type of policy. Everyone's needs are different.
For example, these questions could help you determine if your insurance needs could use an agent's help.
- What companies insure drivers after a DUI or DWI?
- Is my Ford F-350 covered for smoke damage?
- Can I rate high risk drivers on liability-only vehicles?
- Why do I only qualify for high-risk insurance?
- Does every company file a SR-22 automatically?
- Does liability extend to a camper or trailer?
- Does coverage extend to my business vehicle?
- Are my company tools covered if they get stolen?
- If my pet gets injured in an accident are they covered?
- What is medical payments coverage?
If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.
Texas auto insurance companies
Finding the top car insurance provider is difficult considering how many choices there are in Plano. The company ratings shown next can help you analyze which auto insurers you want to consider comparing rate quotes with.
Top 10 Plano Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Cover all your bases
Consumers leave their current company for a number of reasons such as policy non-renewal, lack of trust in their agent, high rates after DUI convictions and high prices. It doesn't matter what your reason, choosing a new company is less work than it seems.
While you're price shopping online, it's a bad idea to buy less coverage just to save a little money. There are too many instances where drivers have reduced physical damage coverage only to discover later that they should have had better coverage. Your goal is to purchase plenty of coverage for the lowest cost while still protecting your assets.
Affordable Ford F-350 insurance in Plano is available both online and from local agencies, so you should compare both to have the best selection. Some car insurance companies may not have price quotes online and these smaller providers sell through local independent agencies.
Additional detailed information is located in these articles:
- What is Gap Insurance? (Insurance Information Institute)
- Who Has the Cheapest Plano Car Insurance Rates for Felons? (FAQ)
- How Much are Plano Car Insurance Quotes for a 20 Year Old Male? (FAQ)
- Winter Driving (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Rollover Crash FAQ (iihs.org)
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)