There isn’t anyone who likes paying for car insurance, especially when they know their premiums are through the roof.
It’s an obvious assumption that insurance companies don’t want policyholders to shop around. Insureds who perform rate comparisons are very likely to switch to a new company because they stand a good chance of finding a lower-cost company. A recent survey found that people who made a habit of comparing rate quotes saved about $3,450 over four years as compared to drivers who never shopped for cheaper rates.
If finding the cheapest price on insurance is your goal, then learning about how to choose a company and compare insurance rates can make it easier to find better rates. Many auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the absolute best rates possible on Ford F-350 insurance in Lubbock.
You should make it a habit to do rate comparisons before your next renewal because car insurance prices go up and down regularly. Even if you got the lowest rates on Ford F-350 insurance in Lubbock six months ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about car insurance because it’s time to teach you the fastest and easiest way to lower your annual insurance bill.
If you have a policy now or need new coverage, you can learn to save money without reducing protection. Finding the cheapest coverage in Lubbock is quite easy. Drivers just need to know the proper methods to compare insurance rates online.
Finding a lower price on Ford F-350 insurance can be surprisingly simple. You just have to take the time comparing price quotes online from several insurance companies.
Comparing free price quotes online is easy and it, replaces the need to spend time driving to insurance agents’ offices. The ability to quote Ford F-350 insurance online has reduced the need for local agents unless your situation requires the trained guidance of a licensed agent. However, consumers can get the lowest quotes online but buy the policy through an agent.
The companies shown below offer price quotes in Lubbock, TX. If your goal is to find cheap car insurance in Lubbock, we suggest you visit as many as you can to find the most competitive auto insurance rates.
Ford F-350 coverage statistics
The premium information displayed below showcases a range of insurance costs for Ford F-350 models. Learning more about how insurance policy premiums are established can help customers make informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$326||$672||$692||$40||$208||$1,938||$162|
|F-350 XL Super Cab 4WD||$326||$672||$692||$40||$208||$1,938||$162|
|F-350 XL Super Cab 2WD||$362||$570||$462||$28||$138||$1,560||$130|
|F-350 Super Cab Cabela Package 4WD||$362||$672||$692||$40||$208||$1,974||$165|
|F-350 Super Cab Cabela Package 2WD||$362||$672||$462||$28||$138||$1,662||$139|
|F-350 XL Crew Cab 2WD||$362||$672||$462||$28||$138||$1,662||$139|
|F-350 Crew Cab Harley Edition 4WD||$362||$672||$692||$40||$208||$1,974||$165|
|F-350 Super Cab Harley Edition 4WD||$362||$672||$692||$40||$208||$1,974||$165|
|F-350 Crew Cab King Ranch 4WD||$362||$672||$692||$40||$208||$1,974||$165|
|F-350 XLT Crew Cab 4WD||$362||$672||$692||$40||$208||$1,974||$165|
|F-350 XL Super Cab Turbo Diesel 4WD||$362||$672||$692||$40||$208||$1,974||$165|
|F-350 XLT Super Cab 4WD||$362||$672||$692||$40||$208||$1,974||$165|
|F-350 XLT Super Cab 2WD||$362||$672||$462||$28||$138||$1,662||$139|
|F-350 XL Crew Cab Cabela Package 2WD||$362||$672||$462||$28||$138||$1,662||$139|
|F-350 XL Crew Cab King Ranch 2WD||$362||$672||$462||$28||$138||$1,662||$139|
|F-350 Crew Cab Lariat 4WD||$362||$774||$692||$40||$208||$2,076||$173|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$362||$774||$692||$40||$208||$2,076||$173|
|F-350 Crew Cab Cabela Package 4WD||$362||$774||$692||$40||$208||$2,076||$173|
|F-350 XL Crew Cab Turbo Diesel 4WD||$362||$774||$692||$40||$208||$2,076||$173|
|F-350 Super Cab Lariat 4WD||$362||$774||$692||$40||$208||$2,076||$173|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$362||$774||$692||$40||$208||$2,076||$173|
|F-350 XLT Super Cab Turbo Diesel 4WD||$362||$774||$692||$40||$208||$2,076||$173|
|F-350 Super Cab Lariat 2WD||$400||$672||$462||$28||$138||$1,700||$142|
|F-350 XL Super Cab Turbo Diesel 2WD||$400||$672||$462||$28||$138||$1,700||$142|
|F-350 Super Cab Harley Edition 2WD||$400||$672||$462||$28||$138||$1,700||$142|
|F-350 XLT Crew Cab 2WD||$400||$672||$462||$28||$138||$1,700||$142|
|F-350 XLT Crew Cab Lariat 2WD||$400||$672||$462||$28||$138||$1,700||$142|
|F-350 XLT Crew Cab Harley Edition 2WD||$400||$672||$462||$28||$138||$1,700||$142|
|F-350 XL Crew Cab Turbo Diesel 2WD||$400||$672||$462||$28||$138||$1,700||$142|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$400||$774||$692||$40||$208||$2,114||$176|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$400||$774||$692||$40||$208||$2,114||$176|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$400||$774||$692||$40||$208||$2,114||$176|
|F-350 Super Cab Harley Turbo Diesel 4WD||$400||$774||$692||$40||$208||$2,114||$176|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$400||$774||$462||$28||$138||$1,802||$150|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$400||$774||$462||$28||$138||$1,802||$150|
|F-350 Super Cab Harley Turbo Diesel 2WD||$400||$774||$462||$28||$138||$1,802||$150|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$400||$774||$462||$28||$138||$1,802||$150|
|F-350 Super Cab XLT Turbo Diesel 2WD||$400||$774||$462||$28||$138||$1,802||$150|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$400||$774||$692||$40||$208||$2,114||$176|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$400||$774||$692||$40||$208||$2,114||$176|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$400||$774||$462||$28||$138||$1,802||$150|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$400||$774||$462||$28||$138||$1,802||$150|
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle garaging location which can alter premium rates substantially.
Comparison of car insurance rates by age and gender in Lubbock
The information below illustrates the difference between Ford F-350 insurance rates for male and female drivers. Data assumes no claims or violations, full coverage, $500 deductibles, drivers are single, and no other discounts are factored in.
Get lower-cost rates with these ten discounts
Some insurers don’t list all discounts very clearly, so the list below details some of the best known and also the lesser-known credits available to bring down your rates.
- Drive Safe and Save – Drivers without accidents could pay up to 40% less as compared to drivers with claims.
- Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts can get savings of 20 to 30 percent.
- Early Switch Discount – Some auto insurance companies reward drivers for switching to them prior to your current F-350 insurance policy expiring. Ten percent is about the average savings.
- Good Student Discount – Performing well in school can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
- No Claim Discounts – Good drivers with no accidents are rewarded with significantly better rates on Lubbock auto insurance quote compared to insureds who have frequent claims or accidents.
- Telematics Data Discounts – Policyholders that allow their insurance company to spy on driving patterns by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they have good driving habits.
- Use Seat Belts – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you could save up to 5%.
- Federal Government Employee – Federal government employees may reduce rates when you quote Lubbock auto insurance depending on your company.
- Accident Waiver – This isn’t a discount exactly, but companies like Liberty Mutual, Allstate and State Farm will forgive one accident before your rates go up as long as you don’t have any claims prior to the accident.
You can save money using discounts, but most discount credits are not given to the whole policy. Most only cut the cost of specific coverages such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.
The chart below illustrates the difference between Ford F-350 yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a male 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, marriage, claim-free, safe-driver, and multi-car discounts applied.
The best auto insurance companies and their offered discounts are detailed below.
- Farm Bureau includes discounts for renewal discount, multi-vehicle, good student, multi-policy, youthful driver, 55 and retired, and safe driver.
- Liberty Mutual offers premium reductions for good student, newly retired, new graduate, hybrid vehicle, and new vehicle discount.
- State Farm may have discounts that include multiple autos, Steer Clear safe driver discount, defensive driving training, anti-theft, good driver, student away at school, and good student.
- Auto-Owners Insurance policyholders can earn discounts including company car, group or association, multiple vehicles, paperless, and multi-policy.
- GEICO has savings for emergency military deployment, multi-vehicle, multi-policy, driver training, and military active duty.
- SAFECO offers discounts for teen safety rewards, teen safe driver, drive less, anti-theft, and bundle discounts.
It’s a good idea to ask each company or agent to apply every possible discount. A few discounts may not be offered in your area. To see a list of insurance companies with significant discounts in Texas, click here.
Three reasons car insurance is important
Despite the potentially high cost of Ford F-350 insurance, paying for car insurance is required by state law in Texas and it also provides benefits you may not be aware of.
First, almost all states have minimum liability requirements which means the state requires a minimum amount of liability protection in order to drive the car. 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 have a loan on your vehicle, almost all lenders will require that you buy insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Ford at a significantly higher premium and force you to pay for the much more expensive policy.
Third, insurance safeguards not only your vehicle but also your financial assets. Insurance will also pay for medical bills that are the result of an accident. One policy coverage, liability insurance, will also pay attorney fees if anyone sues you for causing an accident. If you have damage to your Ford as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of having car insurance definitely exceed the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer is wasting up to $855 a year so it’s recommended you shop around every year to save money.
How much auto insurance do I need?
Keep in mind that when it comes to choosing insurance from an agent or online for your vehicles, there is no one-size-fits-all type of policy. Your needs are unique to you.
For instance, these questions might point out whether your personal situation might need professional guidance.
- Do I need more liability coverage?
- Where can I find DUI or SR-22 insurance?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Does coverage extend to a rental car in a foreign country?
- What are the financial responsibility laws in my state?
- Should I waive the damage coverage when renting a car?
- Does my policy pay for OEM or aftermarket parts?
- Do I need special endorsements for business use of my vehicle?
- Does my liability insurance cover pulling a trailer or camper?
- Do I need medical payments coverage since I have good health insurance?
If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Don’t I need to talk to an insurance agency?
A lot of people just prefer to sit down and talk to an agent and that is not a bad decision Licensed agents can help determine the best coverages and help submit paperwork. The biggest benefit of comparing rate quotes online is you may find cheap car insurance rates and still have an agent to talk to. And supporting neighborhood agents is important especially in Lubbock.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is emailed to agents in your area who will give you bids to get your business. You never need to contact an agency since rate quotes are delivered immediately to your email address. In the event you want to quote rates for a specific company, you can always find their quoting web page and submit a quote form there.
Do you need an independent or exclusive car insurance agent?
If you prefer to buy car insurance from a local Lubbock insurance agency, it helps to know the two different types of agents and how they function. Agents are classified as either independent or exclusive depending on the company they work for. Both types can do a good job, but it’s good to learn how they are different because it can impact buying decisions.
Independent Agencies or Brokers
Agents that elect to be independent often have many company appointments so they can insure your vehicles with an assortment of companies and get you the best rates possible. If they find a cheaper price, your agent can just switch to a different company and you don’t have to find a new agent.
When comparing car insurance rates, you should always include rate quotes from several independent agencies to get the best comparison.
Featured below are Lubbock independent agents that may be able to provide free price quotes.
These agents can only provide one company’s prices and some examples include American Family, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents receive extensive training on their company’s products which aids in selling service over price.
Listed below are Lubbock exclusive agencies willing to provide price quote information.
Finding a good insurance agent shouldn’t rely on just a cheap price quote. Here are some questions you should ask.
- Are claim adjusters local or do you have to take your car somewhere else?
- Will the company cover a rental car if your car is getting fixed?
- Is coverage determined by price?
- Are there any extra charges for paying monthly?
- Did they already check your driving record and credit reports?
- Who is covered by the car insurance policy?
- Is working in the agency their full-time job?
Auto insurance 101
Learning about specific coverages of your insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like hail damage, damage from a tornado or hurricane, damage from getting keyed and theft. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability car insurance
Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 30/60/25 which stand for $30,000 bodily injury coverage, a limit of $60,000 in injury protection per accident, and $25,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against claims like repair costs for stationary objects, medical services, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford. Texas requires minimum liability limits of 30/60/25 but drivers should carry higher limits.
The next chart demonstrates why low liability limits may not provide you with enough coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Ford F-350.
Due to the fact that many Texas drivers only purchase the least amount of liability that is required (Texas limits are 30/60/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these limits are set the same as your liability limits.
Coverage for collisions
Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims like crashing into a building, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your F-350 to save money on collision insurance.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, ambulance fees and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay