If saving money is your primary concern, then the best way to get budget Ford F-350 insurance is to compare prices annually from insurers who sell auto insurance in Fresno.
Step 1: Try to learn about what is in your policy and the things you can change to lower rates. Many risk factors that cause high rates like tickets, at-fault accidents, and a less-than-favorable credit rating can be controlled by making lifestyle changes or driving safer. Read the full article for additional ideas to prevent high prices and find discounts that may have been missed.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like Progressive and State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
Step 3: Compare the price quotes to your current policy to see if switching to a new carrier will save money. If you find a better price, verify that coverage does not lapse between policies.
An important bit of advice to remember is to try to use identical coverage information on each quote request and and to look at as many companies as possible. Doing this provides a fair price comparison and the best price selection.
It’s amazing but the vast majority of consumers have bought insurance from the same company for at least four years, and just short of a majority have never quoted rates to find cheaper coverage. Many consumers in America could save an average of up to 47% each year by just comparing rate quotes, but they don’t know the benefits if they replace their high priced policy.
Getting a cheaper price on insurance can be surprisingly simple. The only requirement is to take the time comparing free Fresno auto insurance quotes from online providers.
The following companies are our best choices to provide free quotes in California. If you wish to find cheaper car insurance in Fresno, we recommend you visit several of them to get the lowest price.
Rate information and statistics
The rate table below covers a range of insurance prices for Ford F-350 models. Having a good understanding how car insurance prices are figured can be of help when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-350 XL Crew Cab 4WD | $370 | $834 | $748 | $44 | $224 | $2,220 | $185 |
| F-350 XL Super Cab 4WD | $370 | $834 | $748 | $44 | $224 | $2,220 | $185 |
| F-350 XL Super Cab 2WD | $412 | $708 | $500 | $30 | $150 | $1,800 | $150 |
| F-350 Super Cab Cabela Package 4WD | $412 | $834 | $748 | $44 | $224 | $2,262 | $189 |
| F-350 Super Cab Cabela Package 2WD | $412 | $834 | $500 | $30 | $150 | $1,926 | $161 |
| F-350 XL Crew Cab 2WD | $412 | $834 | $500 | $30 | $150 | $1,926 | $161 |
| F-350 Crew Cab Harley Edition 4WD | $412 | $834 | $748 | $44 | $224 | $2,262 | $189 |
| F-350 Super Cab Harley Edition 4WD | $412 | $834 | $748 | $44 | $224 | $2,262 | $189 |
| F-350 Crew Cab King Ranch 4WD | $412 | $834 | $748 | $44 | $224 | $2,262 | $189 |
| F-350 XLT Crew Cab 4WD | $412 | $834 | $748 | $44 | $224 | $2,262 | $189 |
| F-350 XL Super Cab Turbo Diesel 4WD | $412 | $834 | $748 | $44 | $224 | $2,262 | $189 |
| F-350 XLT Super Cab 4WD | $412 | $834 | $748 | $44 | $224 | $2,262 | $189 |
| F-350 XLT Super Cab 2WD | $412 | $834 | $500 | $30 | $150 | $1,926 | $161 |
| F-350 XL Crew Cab Cabela Package 2WD | $412 | $834 | $500 | $30 | $150 | $1,926 | $161 |
| F-350 XL Crew Cab King Ranch 2WD | $412 | $834 | $500 | $30 | $150 | $1,926 | $161 |
| F-350 Crew Cab Lariat 4WD | $412 | $960 | $748 | $44 | $224 | $2,388 | $199 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $412 | $960 | $748 | $44 | $224 | $2,388 | $199 |
| F-350 Crew Cab Cabela Package 4WD | $412 | $960 | $748 | $44 | $224 | $2,388 | $199 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $412 | $960 | $748 | $44 | $224 | $2,388 | $199 |
| F-350 Super Cab Lariat 4WD | $412 | $960 | $748 | $44 | $224 | $2,388 | $199 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $412 | $960 | $748 | $44 | $224 | $2,388 | $199 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $412 | $960 | $748 | $44 | $224 | $2,388 | $199 |
| F-350 Super Cab Lariat 2WD | $454 | $834 | $500 | $30 | $150 | $1,968 | $164 |
| F-350 XL Super Cab Turbo Diesel 2WD | $454 | $834 | $500 | $30 | $150 | $1,968 | $164 |
| F-350 Super Cab Harley Edition 2WD | $454 | $834 | $500 | $30 | $150 | $1,968 | $164 |
| F-350 XLT Crew Cab 2WD | $454 | $834 | $500 | $30 | $150 | $1,968 | $164 |
| F-350 XLT Crew Cab Lariat 2WD | $454 | $834 | $500 | $30 | $150 | $1,968 | $164 |
| F-350 XLT Crew Cab Harley Edition 2WD | $454 | $834 | $500 | $30 | $150 | $1,968 | $164 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $454 | $834 | $500 | $30 | $150 | $1,968 | $164 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $454 | $960 | $748 | $44 | $224 | $2,430 | $203 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $454 | $960 | $748 | $44 | $224 | $2,430 | $203 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $454 | $960 | $748 | $44 | $224 | $2,430 | $203 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $454 | $960 | $748 | $44 | $224 | $2,430 | $203 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $454 | $960 | $500 | $30 | $150 | $2,094 | $175 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $454 | $960 | $500 | $30 | $150 | $2,094 | $175 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $454 | $960 | $500 | $30 | $150 | $2,094 | $175 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $454 | $960 | $500 | $30 | $150 | $2,094 | $175 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $454 | $960 | $500 | $30 | $150 | $2,094 | $175 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $454 | $960 | $748 | $44 | $224 | $2,430 | $203 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $454 | $960 | $748 | $44 | $224 | $2,430 | $203 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $454 | $960 | $500 | $30 | $150 | $2,094 | $175 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $454 | $960 | $500 | $30 | $150 | $2,094 | $175 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can revise rates noticeably.
The example below illustrates how your choice of deductibles and can raise or lower Ford F-350 insurance costs for different age groups. The prices are based on a single female driver, full coverage, and no policy discounts are applied.
Car insurance prices based on gender
The illustration below illustrates the comparison of Ford F-350 auto insurance costs for male and female drivers. The premium estimates are based on no claims or violations, full coverage, $250 deductibles, single marital status, and no other discounts are factored in.
Full coverage versus liability-only
The information below illustrates the difference between Ford F-350 insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. Data assumes no accidents or driving violations, $250 deductibles, single status, and no additional discounts are factored in.
Are you wasting money on full coverage?
There is no definitive rule for excluding physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Ford F-350 claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after the deductible is paid. If it’s costing in excess of $600 annually for your policy with full coverage, then it might be time to buy liability only.
There are some situations where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Discounts can help lower rates on Ford F-350 insurance in Fresno
Some companies don’t always advertise every policy discount very clearly, so we break down both well-publicized and the harder-to-find savings tricks you should be using when you buy Fresno auto insurance online.
- Use Seat Belts – Drivers who require all occupants to wear their seat belts could save 15% on the premium charged for medical payments and/or PIP.
- Clubs and Organizations – Participating in a civic or occupational organization in Fresno is a simple method to lower premiums on insurance.
- Discount for Home Ownership – Simply owning a home can get you a discount because maintaining a house shows financial diligence.
- No Accidents – Good drivers with no accidents pay much less in comparison with accident-prone drivers.
- Good Student Discount – A discount for being a good student may save you up to 25%. Earning this discount can benefit you up until you turn 25.
- Senior Discount – Drivers that qualify as senior citizens are able to get lower premium rates.
It’s important to understand that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. So when it seems like you could get a free insurance policy, insurance companies aren’t that generous.
The diagram below compares Ford F-350 insurance costs with and without discounts applied to the rates. The data assumes a male driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, multi-policy, safe-driver, and marriage discounts applied.
Insurance companies that may offer policyholders many of the previously listed discounts include:
Before you buy a policy, ask all the companies which discounts they offer. Some discounts might not apply in Fresno. To see insurance companies who offer online Ford F-350 insurance quotes in Fresno, click here to view.
Car insurance is not optional in California
Despite the high cost of buying insurance for a Ford F-350 in Fresno, buying car insurance may be required and benefits you in several ways.
- Most states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability insurance in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Ford F-350 has a lienholder, most banks will require you to have physical damage coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank will be required to insure your Ford at a more expensive rate and require you to pay a much higher amount than you were paying before.
- Car insurance protects not only your Ford F-350 but also your assets. It will also reimburse you for all forms of medical expenses incurred in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your Ford gets damaged, your car insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of having car insurance outweigh the cost, specifically if you ever have a liability claim. But the average American driver overpays more than $865 each year so smart consumers compare quotes at every renewal to help ensure money is not being wasted.
Auto insurance companies ranked
Buying coverage from the right auto insurance provider can be challenging considering how many different companies insure vehicles in Fresno. The company information shown next can help you analyze which auto insurance companies to look at when shopping your coverage around.
Top 10 Fresno Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Fresno Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Different people need different car insurance coverages
Always remember that when buying your policy, there really isn’t a “best” method to buy coverage. Every insured’s situation is different.
These are some specific questions can help discover if your insurance needs will benefit from professional help.
- Does my insurance cover damage caused when ticketed for reckless driving?
- What is PIP insurance?
- Do I have coverage when using my vehicle for my home business?
- Does my Ford F-350 need full coverage?
- Does coverage extend to Mexico or Canada?
- Will my insurance pay for OEM parts?
If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.
Get rate quotes but work with a local neighborhood Fresno car insurance agent
Many people would rather sit down with an agent and that is recommended in a lot of cases Professional agents can help you choose the best coverages and give you someone to call. One of the benefits of comparing insurance prices online is the fact that drivers can get lower rates but also keep your business local. Buying insurance from local agents is important particularly in Fresno.
For easy comparison, once you complete this simple form, your coverage information is submitted to local insurance agents in Fresno who want to provide quotes for your insurance coverage. You won’t need to contact an agency due to the fact that quote results will go directly to you. In the event you want to quote rates from one company in particular, just jump over to their website and give them your coverage information.
Choose an insurance agent wisely
When finding a reputable insurance agent or broker, there are two different types of agencies and how they are slightly different. Agents in Fresno are considered either independent (non-exclusive) or exclusive. Either one can sell insurance policies, but it’s important to point out the differences because it can factor into the type of agent you choose.
Independent Insurance Agencies or Brokers
Agents of this type often have affiliation with several companies so they have the ability to put coverage with many different companies and find you the best rates. If prices rise, they simply switch companies in-house and you stay with the same agent. When comparing insurance rates, you need to include price quotes from several independent agencies so that you have a good selection of quotes to compare. Many can place coverage with less well-known companies which may have better rates.
The following is a small list of independent insurance agents in Fresno that can possibly get you free insurance quotes.
- Agri-Center Insurance Inc
2650 W Shaw Ln – Fresno, CA 93711 – (559) 233-0123 – View Map - Central Auto Insurance
3668 W Shaw Ave – Fresno, CA 93711 – (559) 275-9911 – View Map - Mc Carty Insurance Inc: Mc Carty Chad R
1625 Shaw Ave # 111 – Fresno, CA 93710 – (559) 324-1421 – View Map
Exclusive Insurance Agencies
Agents of this type have only one company to place business with and examples are AAA, Allstate, and State Farm. Exclusive agents are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. They are trained well on sales techniques and that enables them to sell even at higher rates. Consumers often buy from exclusive agents partially due to the brand name rather than having low rates.
The following is a short list of exclusive insurance agencies in Fresno that can give you price quotes.
- Farmers Insurance
7161 N Millbrook Ave # 103 – Fresno, CA 93720 – (559) 447-9838 – View Map - Bob Perry – State Farm Insurance Agent
3210 E Shields Ave #6 – Fresno, CA 93726 – (559) 224-4546 – View Map - Kathryn Dosher – State Farm Insurance Agent
125 E Barstow Ave #113 – Fresno, CA 93710 – (559) 221-6165 – View Map
Deciding on an insurance agent requires you to look at more than just the price. The questions below may impact your decision as well.
- Will the agent help in case of a claim?
- Is there a 24/7 contact number?
- How long has the business existed?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Will one accident increase rates?
- Is working in the agency their full-time job?