Do you want to save money by buying the cheapest Ford F-350 insurance in Laredo? Saving money on Ford F-350 insurance in Laredo might be nearly impossible for drivers who are beginners to comparison shopping online. With such a large choice of companies, it can quickly become a challenge to find better prices on Ford F-350 insurance.
Anyone knows that auto insurance companies don’t want you comparing rates. Insureds who compare other prices will most likely buy a new policy because they have a good chance of finding lower rate quotes. A recent survey discovered that consumers who regularly shopped around saved over $3,400 over four years compared to other drivers who never shopped for cheaper rates.
If finding the cheapest price for car insurance in Laredo is why you’re here, then learning about the best way to shop and compare auto insurance can make it easier to shop your coverage around.
You should make it a habit to quote other rates yearly because prices are adjusted regularly by insurance companies. Even if you got the best rate on Ford F-350 insurance in Laredo on your last policy there is a good chance you can find better premium rates now. You can find a lot of information about F-350 insurance online but I’m going to show you some great ideas on how to lower your auto insurance bill.
Informed Drivers Can Reduce Insurance Rates
One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that come into play when calculating auto insurance rates. When you know what positively or negatively influences your rates, this enables you to make decisions that can help you get lower premium levels.
Listed below are some of the items companies use to determine your rate level.
Save money with good credit – Having a good credit score can be an important factor in determining what you pay for auto insurance. People with high credit ratings tend to be better risks to insure than drivers who have poor credit. If your credit score is lower than you’d like, you could potentially save money when insuring your Ford F-350 by repairing your credit.
Do you work long hours in a stressful occupation? – Did you know your career choice can influence rates? Jobs such as doctors, police officers, and dentists tend to have higher rates than average due to stressful work requirements and lots of time spent at work. Other careers such as scientists, athletes and homemakers have lower than average premiums.
What type of vehicle do you drive? – The make and model of the vehicle you drive makes a big difference in determining your rates. The cheapest rates are generally reserved for lower cost passenger vehicles, but many other things help determine your insurance rates.
The next chart uses these variables: single female driver age 20, full coverage with $250 deductibles, and no discounts or violations. It shows Ford F-350 insurance premiums compared to other models of vehicles that have different performance rating factors.
Your address can push rates up or down – Being located in a rural area may provide you with better prices when insuring your vehicles. City drivers have to deal with more aggressive driving styles and much longer commute distances. Fewer drivers and short commutes corresponds to lower accident rates as well as less vandalism and auto theft.
Bundle policies to earn discounts – The majority of insurers apply lower prices to buyers who consolidate policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount drivers will still want to shop around to ensure the best deal. You may still be able to save money by buying from different companies
Always keep your auto insurance policy in force – Going without insurance can be a guaranteed way to drive up your policy premiums. And not only will your rates increase, getting caught without coverage may earn you a hefty fine and possibly a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department.
Marriage discount – Your spouse may earn you lower rates when buying auto insurance. It may mean you are more responsible it has been statistically shown that drivers who are married file infrequent claims.
Incidental coverages can waste money – There are a ton of extra coverages that you can buy when buying auto insurance. Insurance for rental car reimbursement, death and dismemberment, and additional equipment coverage are some examples. They may sound like good ideas at first, but now you might not need them so consider taking them off your policy.
Ford F-350 historical loss data – Insurers take into consideration historical loss data for every vehicle when determining insurance prices. Vehicles that the data shows to have higher loss trends will have a higher premium rate. The next table shows the insurance loss data for Ford F-350 vehicles.
For each coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is set at 100. Values that are under 100 suggest a positive loss record, while numbers shown that are more than 100 point to more claims or tendency to have higher losses.
|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 from IIHS.org for 2013-2015 Model Years
The most recommended method to compare car insurance company rates for Ford F-350 insurance in Laredo is to realize almost all companies provide online access to quote your coverage. The only thing you need to do is provide a small amount of information including if you lease or own, coverage limits, which vehicles you own, and how many miles driven. That rating information is then sent to insurance companies and they return quotes within a short period of time.
To check car insurance prices now, click here and complete the quick form.
The companies shown below offer free rate quotes in Texas. If you want to find cheap auto insurance in Laredo, it’s a good idea that you visit as many as you can in order to find the most affordable rates.
Detailed insurance information
The price information shown below outlines estimates of prices for Ford F-350 models. Having a better idea how car insurance prices are established can assist in making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$160||$312||$548||$32||$164||$1,216||$101|
|F-350 XL Super Cab 4WD||$160||$312||$548||$32||$164||$1,216||$101|
|F-350 XL Super Cab 2WD||$178||$266||$366||$22||$110||$942||$79|
|F-350 Super Cab Cabela Package 4WD||$178||$312||$548||$32||$164||$1,234||$103|
|F-350 Super Cab Cabela Package 2WD||$178||$312||$366||$22||$110||$988||$82|
|F-350 XL Crew Cab 2WD||$178||$312||$366||$22||$110||$988||$82|
|F-350 Crew Cab Harley Edition 4WD||$178||$312||$548||$32||$164||$1,234||$103|
|F-350 Super Cab Harley Edition 4WD||$178||$312||$548||$32||$164||$1,234||$103|
|F-350 Crew Cab King Ranch 4WD||$178||$312||$548||$32||$164||$1,234||$103|
|F-350 XLT Crew Cab 4WD||$178||$312||$548||$32||$164||$1,234||$103|
|F-350 XL Super Cab Turbo Diesel 4WD||$178||$312||$548||$32||$164||$1,234||$103|
|F-350 XLT Super Cab 4WD||$178||$312||$548||$32||$164||$1,234||$103|
|F-350 XLT Super Cab 2WD||$178||$312||$366||$22||$110||$988||$82|
|F-350 XL Crew Cab Cabela Package 2WD||$178||$312||$366||$22||$110||$988||$82|
|F-350 XL Crew Cab King Ranch 2WD||$178||$312||$366||$22||$110||$988||$82|
|F-350 Crew Cab Lariat 4WD||$178||$360||$548||$32||$164||$1,282||$107|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$178||$360||$548||$32||$164||$1,282||$107|
|F-350 Crew Cab Cabela Package 4WD||$178||$360||$548||$32||$164||$1,282||$107|
|F-350 XL Crew Cab Turbo Diesel 4WD||$178||$360||$548||$32||$164||$1,282||$107|
|F-350 Super Cab Lariat 4WD||$178||$360||$548||$32||$164||$1,282||$107|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$178||$360||$548||$32||$164||$1,282||$107|
|F-350 XLT Super Cab Turbo Diesel 4WD||$178||$360||$548||$32||$164||$1,282||$107|
|F-350 Super Cab Lariat 2WD||$196||$312||$366||$22||$110||$1,006||$84|
|F-350 XL Super Cab Turbo Diesel 2WD||$196||$312||$366||$22||$110||$1,006||$84|
|F-350 Super Cab Harley Edition 2WD||$196||$312||$366||$22||$110||$1,006||$84|
|F-350 XLT Crew Cab 2WD||$196||$312||$366||$22||$110||$1,006||$84|
|F-350 XLT Crew Cab Lariat 2WD||$196||$312||$366||$22||$110||$1,006||$84|
|F-350 XLT Crew Cab Harley Edition 2WD||$196||$312||$366||$22||$110||$1,006||$84|
|F-350 XL Crew Cab Turbo Diesel 2WD||$196||$312||$366||$22||$110||$1,006||$84|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$196||$360||$548||$32||$164||$1,300||$108|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$196||$360||$548||$32||$164||$1,300||$108|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$196||$360||$548||$32||$164||$1,300||$108|
|F-350 Super Cab Harley Turbo Diesel 4WD||$196||$360||$548||$32||$164||$1,300||$108|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$196||$360||$366||$22||$110||$1,054||$88|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$196||$360||$366||$22||$110||$1,054||$88|
|F-350 Super Cab Harley Turbo Diesel 2WD||$196||$360||$366||$22||$110||$1,054||$88|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$196||$360||$366||$22||$110||$1,054||$88|
|F-350 Super Cab XLT Turbo Diesel 2WD||$196||$360||$366||$22||$110||$1,054||$88|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$196||$360||$548||$32||$164||$1,300||$108|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$196||$360||$548||$32||$164||$1,300||$108|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$196||$360||$366||$22||$110||$1,054||$88|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$196||$360||$366||$22||$110||$1,054||$88|
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in vehicle location which can lower or raise auto insurance rates considerably.
The information below illustrates how your deductible choice and can affect Ford F-350 insurance premiums for different age categories. The costs are based on a single female driver, comp and collision included, and no discounts are factored in.
Safe drivers pay less for auto insurance
The illustration below demonstrates how citations and at-fault accidents can increase Ford F-350 insurance costs for different age groups. The premiums assume a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
Ford F-350 insurance premiums by gender
The illustration below compares Ford F-350 yearly insurance costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, comp and collision included, $250 deductibles, drivers are single, and no other discounts are factored in.
Full coverage or liability only
The example below illustrates the difference between Ford F-350 insurance costs with full coverage compared to only the Texas minimum liability coverage. The prices are based on no accidents, no driving violations, $1,000 deductibles, single status, and no policy discounts are applied.
When to stop paying for full coverage
There is no exact rule to stop paying for comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Ford F-350 book value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after you pay the deductible. If you are paying in excess of $600 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are some conditions where eliminating full coverage is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not drop full coverage.
Buying the right F-350 insurance in Texas is an important decision
Even though it’s not necessarily cheap to insure a Ford in Laredo, insuring your vehicle may be required and benefits you in several ways.
- Most states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance coverage if you don’t want to risk a ticket. 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.
- If your Ford has a loan, almost all lenders will stipulate that you carry insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender will be forced to insure your Ford at an extremely high rate and force you to pay for the much more expensive policy.
- Auto insurance preserves your vehicle and your assets. It will also pay for medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay to defend you if anyone sues you for causing an accident. If mother nature or an accident damages your car, your policy will pay to have it repaired.
The benefits of buying auto insurance definitely exceed the price paid, especially if you ever need it. Unknowingly, the average driver overpays as much as $825 a year so you should quote and compare rates each time the policy renews to help ensure money is not being wasted.
Laredo insurance discounts for a Ford F-350
Insurance can cost an arm and a leg, but there’s a good chance there are discounts that may help make it more affordable. A few discounts will automatically apply at the time of quoting, but a few need to be asked for in order for you to get them.
- Senior Citizen Discount – Drivers over the age of 55 could receive reduced rates.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your Laredo auto insurance quote.
- Discount for Good Grades – This discount can save 20 to 25%. This discount can apply up to age 25.
- Multi-car Discount – Buying insurance for all your vehicles with one company may reduce the rate for each vehicle.
- Paperwork-free – Many insurance companies may give you up to $50 for buying a policy and signing up digitally online.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts may get savings as much as 30%.
As is typical with insurance, most credits do not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, that’s just not realistic.
The diagram below shows the difference between Ford F-350 premium costs with and without discounts applied to the policy rates. The data is based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, marriage, homeowner, and multi-car discounts applied.
Large insurance companies and a selection of discounts are outlined below.
- State Farm offers premium reductions for anti-theft, passive restraint, driver’s education, accident-free, Drive Safe & Save, defensive driving training, and good student.
- Esurance offers discounts for claim free, online shopper, defensive driver, homeowner, and Pac-12 alumni.
- Progressive may include discounts for online signing, multi-policy, continuous coverage, homeowner, good student, online quote discount, and multi-vehicle.
- Liberty Mutual may offer discounts for new vehicle discount, preferred payment discount, new graduate, exclusive group savings, hybrid vehicle, and multi-policy.
- Auto-Owners Insurance has savings for good student, anti-lock brakes, safe vehicle, company car, air bags, and student away at school.
- GEICO policyholders can earn discounts including anti-lock brakes, membership and employees, driver training, defensive driver, five-year accident-free, multi-vehicle, and good student.
Check with each company or agent what discounts are available to you. Some discounts listed above might not be offered on policies in your area.
When to get advice from a local insurance agent
Some people would prefer to get professional advice from a licensed agent and that is a personal choice. An additional benefit of price shopping on the web is that you can find cheaper premium rates and also buy local.
After filling out this short form, the quote information is immediately sent to agents in your area that can provide free Laredo auto insurance quotes to get your business. You won’t need to search for an agent due to the fact that quote results will go to your email. You can find the lowest rates and a licensed agent to work with. In the event you want to get a comparison quote from one company in particular, you would need to go to their quote page and complete a quote there.
Choosing the best insurance company is decision based upon more than just the bottom line cost. You should also get answers to these questions.
- Do they have cheaper tiers of coverage?
- Are aftermarket or OEM parts used to repair vehicles?
- Does the agency have a positive business rating?
- Will the agent help in case of a claim?
- Are they able to provide referrals?
- When do they do policy reviews?
- Is the agent properly licensed in Texas?
The type of car insurance agent you choose is important
If you want to use local Laredo agents, it can be helpful to understand the different agency structures and how they are distinctly different. Agents are classified as either exclusive agents or independent agents.
Exclusive Insurance Agents
Agents that choose to be exclusive can only write with one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot shop your coverage around so they have to upsell other benefits. These agents are usually quite knowledgeable in insurance sales and that enables them to sell even at higher rates. Some insured continue to buy insurance from these agents primarily because of the brand legacy rather than having the cheapest rates.
Shown below are Laredo exclusive agents who can help you get price quotes.
- Farmers Insurance – Pedro Sanchez
5916 San Bernardo Ave – Laredo, TX 78041 – (956) 722-8445 – View Map
- Texas Farm Bureau Insurance – Melissa Arce
1505 Calle Del Norte Dr #210 – Laredo, TX 78041 – (956) 712-3276 – View Map
- State Farm: Manuel Gomez III
4311 Clark Blvd – Laredo, TX 78043 – (956) 333-0000 – View Map
Independent Insurance Agents
These type of agents often have affiliation with several companies and that gives them the ability to insure with multiple insurance companies and potentially find a lower price. If they find a lower price, your agent can switch companies and you stay with the same agent. When shopping rates, it’s recommended you check rates from at a minimum one independent agency in order to have the best price comparison. They also have the ability to place coverage with smaller companies that may provide cheaper insurance rates.
Shown below are Laredo independent insurance agencies that can give you comparison quotes.
- Pronto Insurance
1315 San Dario Ave – Laredo, TX 78040 – (956) 724-2110 – View Map
- Delgado Insurance Agency, LC
9902 McPherson Rd #6 – Laredo, TX 78045 – (956) 728-7377 – View Map
- Pena Insurance
220 W Hillside Rd # 11 – Laredo, TX 78041 – (956) 724-9004 – View Map
After talking to the agent and getting acceptable answers for all questions you ask and an acceptable price quote, it’s a good possibility that you have found a car insurance agent that is reputable and can insure your vehicles. But remember, you can always cancel your policy when you choose so don’t feel you’re contractually obligated to any particular company for the full policy term.
Ratings for Texas car insurance companies
Insuring your vehicle with the highest-rated insurer can be challenging considering how many choices there are in Laredo. The ranking information in the lists below may help you decide which providers you want to consider when shopping your coverage around.
Top 10 Laredo Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
What is the best auto insurance coverage?
When choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that
For instance, these questions may help you determine if you could use an agent’s help.
- When should I have rental car coverage?
- When would I need additional glass coverage?
- Exactly who is provided coverage by my policy?
- Do I have any recourse if my insurance company denies a claim?
- Can I cancel at any time?
- Am I covered if I drive in a foreign country?
- Am I covered when driving a rental car?
- Are split liability limits better than a combined single limit?
- Does my liability insurance cover pulling a trailer or camper?
- Is business property covered if stolen from my car?
If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier
Cheaper car insurance is a realistic goal
We’ve covered a lot of information how to lower your Ford F-350 insurance auto insurance rates in Laredo. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. Drivers may even discover the best auto insurance rates are with the smaller companies. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.
Lower-priced Ford F-350 insurance in Laredo is definitely available both online and from local agencies, and you should compare rates from both to have the best selection. Some insurance providers may not provide internet price quotes and usually these regional insurance providers sell through local independent agents.
How to find affordable quotes for Ford F-350 insurance in Laredo
Really, the only way to save on Ford F-350 insurance in Laredo is to start comparing prices yearly from different companies in Texas. This can be done by following these steps.
Step 1: Learn about individual coverages and the things you can change to prevent rate increases. Many factors that are responsible for high rates like accidents, traffic violations, and an unacceptable credit score can be amended by making minor driving habit or lifestyle changes.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agents can provide rate quotes from many different companies. View rates
Step 3: Compare the new rates to the premium of your current policy to see if cheaper F-350 coverage is available in Laredo. If you can save money and change companies, ensure there is no coverage lapse between policies.
Step 4: Give notification to your current company of your intent to cancel the current policy. Submit the signed application along with the required initial payment for the new policy. Once received, put the certificate verifying coverage in your vehicle’s glove compartment or console.
A valuable tip to remember is to use identical coverage information on each price quote and and to get price estimates from every insurance company. Doing this enables an apples-to-apples comparison and a complete price analysis.
- Collision Insurance Coverage (Nationwide)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Vehicle Insurance (Wikipedia)