Affordable Rates for Ford F-350 Insurance in Tulsa

If your goal is the lowest price, then the best way to get the cheapest car insurance rates in Tulsa is to compare quotes annually from different companies in Oklahoma.

First, gain an understanding of how car insurance works and the factors you can control to drop your rates. Many rating criteria that cause rate increases such as high-risk driving behaviors and a substandard credit score can be eliminated by paying attention to minor details. Continue reading for ideas to help reduce premium rates and earn a bigger discount.

Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple companies.

Third, compare the new rates to your existing policy to see if cheaper F-350 coverage is available. If you find better rates and switch companies, make sure coverage is continuous and does not lapse.

Fourth, provide notification to your current company of your decision to cancel your existing policy. Submit a down payment and signed policy application to your new carrier. When you receive it, place the new proof of insurance certificate in a readily accessible location in your vehicle.

One key aspect of rate comparisons is to make sure you’re comparing similar deductibles and liability limits on every quote request and and to get quotes from every company you can. Doing this guarantees a fair price comparison and and a good selection of different prices.

It’s a fact that car insurance companies don’t want you to look for cheaper rates. Consumers who shop for lower rates are very likely to switch auto insurance companies because of the good chance of finding better rates. A recent survey found that people who routinely compared quotes saved about $72 a month as compared to drivers who never compared other company’s rates.

If finding the lowest price on car insurance is your objective, then having a good understanding the best ways to shop for car insurance can make the process more efficient.

Good Decisions Result in Lower Insurance Premiums

Many things are considered when you get a price on insurance. Some are pretty understandable such as your driving record, but some are less apparent such as whether you are married or how safe your car is.

• High performance vehicles cost more to insure – The performance of the vehicle you need to insure makes a big difference in your auto insurance rates. The lowest rates are usually for low performance passenger cars, but other factors influence the final cost greatly.

  The following chart uses these assumptions: married male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The data compares Ford F-350 car insurance rates compared to other makes and models that have different performance rating factors.

• Do you have enough liability insurance? – Liability coverage provides coverage if ever you are found liable for causing personal injury or damage in an accident. It provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
• Annual mileage and car insurance costs – Driving more miles in a year the higher your rate. Most companies price each vehicle’s coverage based on their usage. Cars and trucks that sit idle most of the time cost less to insure than vehicles that have high annual mileage. Double check that your car insurance policy properly reflects the correct usage for each vehicle, because it can save money. A policy that improperly rates your F-350 may be wasting your money.
• Save money with GPS tracking and theft deterrents – Selecting a car model that has an advanced theft prevention system can save you some money. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart car theft.

• Ford F-350 insurance loss probability – Insurance companies analyze historical claim data to calculate a rate that will offset any claims. Models that tend to have a trend towards higher claims will have increased rates. The data below shows the loss history for Ford F-350 vehicles.

  For each coverage type, the claim probability for all vehicles, as an average, is represented as 100. Values that are below 100 imply a favorable loss record, while percentage numbers above 100 indicate higher probability of having a loss or statistically larger losses.

  
  

  Ford F-350 Insurance Loss Statistics

  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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

Coverage information

The information shown below outlines detailed analysis of insurance costs for Ford F-350 models. Having insight into how prices are determined can help guide drivers when making smart buying decisions.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle location which can influence prices noticeably.

The information below shows how choosing a deductible and can increase or decrease Ford F-350 insurance premiums for different age groups. Data assumes a single female driver, comp and collision included, and no other discounts are factored in.

Safe drivers Tulsa pay cheaper rates

The example below shows how speeding tickets and at-fault accidents impact Ford F-350 insurance prices for each different age group. The premium estimates are based on a single male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Rate comparison of men versus women in Tulsa

The illustration below illustrates the difference between Ford F-350 car insurance rates for male and female drivers. The costs are based on no claims or driving violations, full coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.

Ford F-350 full coverage rates compared to liability only

The diagram below shows the difference between Ford F-350 insurance costs with full physical damage coverage and with liability coverage only. The information is based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

When to drop comp and collision

There is no definitive rule that works best for making the decision to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s assume your Ford F-350 settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $2,000 after the policy deductible has been paid. If you are paying in excess of $200 a year for full coverage, then you might consider buying liability only.

There are a few situations where eliminating full coverage is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Verify you’re getting every discount

Insurance can cost an arm and a leg, but you may find discounts that can dramatically reduce your bill. Certain credits will be shown when you quote, but occasionally some discounts must be specifically requested before being credited.

• Senior Citizen Rates – Seniors may receive better insurance rates.
• Auto/Life Discount – Larger insurance companies have a break if you buy some life insurance in addition to your auto policy.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it can save substantially.
• College Student Discount – College-age children who live away from home at college without a vehicle on campus may be able to be covered for less.
• Claim Free – Good drivers with no accidents can save substantially when compared to policyholders that have many claims.
• Clubs and Organizations – Participating in qualifying employment or professional organizations could earn you a nice discount on your next renewal.
• Early Signing – Some larger companies provide a discount for renewing your policy before your current F-350 insurance policy expires. You can save around 10% with this discount.
• Telematics Data – Policyholders that allow their insurance company to monitor driving patterns through the use of a telematics system like Allstate’s Drivewise may see discounts as long as they are good drivers.

Just know that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like it’s possible to get free car insurance, that’s just not realistic.

The illustration below illustrates the comparison of Ford F-350 insurance costs with and without policy discounts. The rates are based on a female driver, a clean driving record, no at-fault accidents, Oklahoma state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, marriage, multi-car, and homeowner discounts applied.

A list of insurance companies and some of the discounts are shown below.

• State Farm discounts include safe vehicle, good driver, student away at school, accident-free, and passive restraint.
• American Family offers discounts for defensive driver, mySafetyValet, bundled insurance, multi-vehicle, good driver, and early bird.
• AAA offers premium reductions for good driver, AAA membership discount, multi-car, multi-policy, education and occupation, good student, and anti-theft.
• GEICO may have discounts that include seat belt use, daytime running lights, anti-theft, multi-policy, driver training, good student, and anti-lock brakes.
• Mercury Insurance has discounts for multi-car, ease of repair, accident-free, good student, age of vehicle, good driver, and professional/association.
• Farmers Insurance may offer discounts for mature driver, teen driver, alternative fuel, electronic funds transfer, pay in full, good student, and distant student.
• Progressive may include discounts for homeowner, multi-vehicle, online signing, multi-policy, good student, online quote discount, and continuous coverage.

Before you buy a policy, ask each company which discounts can lower your rates. A few discounts may not be offered in Tulsa. For a list of providers that can offer you the previously mentioned discounts in Oklahoma, click this link.

Affordable insurance rates are out there

People change insurance companies for a variety of reasons including denial of a claim, lack of trust in their agent, policy non-renewal or even an unsatisfactory settlement offer. Regardless of your reason, finding the right insurance provider is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, never buy less coverage just to save a little money. There have been many cases where drivers have reduced liability limits or collision coverage and discovered at claim time that it was a big error on their part. The proper strategy is to find the BEST coverage at the best cost.

Cheaper Ford F-350 insurance in Tulsa is attainable both online and also from your neighborhood Tulsa agents, and you should compare rates from both to have the best selection. Some companies may not offer rates over the internet and many times these regional insurance providers sell through independent insurance agencies.

Additional information

• How to Avoid Common Accidents (State Farm)
• Who Has Affordable Car Insurance Quotes for a Subaru Outback in Tulsa? (FAQ)
• How Much are Auto Insurance Rates for Uber Drivers in Tulsa? (FAQ)
• Child Safety Seats (Insurance Information Institute)
• Should I Buy a New or Used Car? (Allstate)
• Airbag FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)