Want to learn how to buy more competitive auto insurance rates in San Antonio, TX? San Antonio shoppers have lots of choices when shopping for low-cost Ford F-350 insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to get rate quotes.
There is a better way to find auto insurance online and we’ll show you the best way to quote coverages for a Ford and locate the best price possible from San Antonio insurance agents and online providers.
Compare quotes for San Antonio Ford F-350 insurance
Most major insurance companies like State Farm and Allstate make it easy to get price estimates on their websites. The process is fairly simple as you simply enter the coverage amounts you desire into a form. Once entered, the company’s rating system requests information on your driving record and credit history and provides a quote based on these and other factors.
The ability to get online rate quotes for Ford F-350 insurance in San Antonio simplifies rate comparisons, and it’s very important to have as many quotes as possible in order to find the most affordable car insurance rates.
If you want to compare rates now, check out the car insurance providers below. If you have a policy now, it’s recommended that you enter the limits and deductibles just like they are on your policy. This ensures you are getting a rate comparison for similar coverage.
The companies shown below provide price comparisons in San Antonio, TX. If the list has multiple companies, we suggest you visit two to three different companies to get the lowest price.
Ford F-350 insurance discounts in San Antonio
Some insurance providers do not advertise every policy discount very clearly, so the list below contains some of the more common and also the more inconspicuous discounts you could be receiving when you buy San Antonio auto insurance online. If you aren’t receiving every discount available, you are paying more than you should be.
- Employee of Federal Government – Employees or retirees of the government may qualify for a discount when you quote San Antonio auto insurance with select insurance companies.
- No Claims – Drivers with accident-free driving histories pay less in comparison to drivers with a long claim history.
- Drive Less and Save – Low annual miles may enable drivers to earn lower rates due to less chance of an accident.
- Military Rewards – Having an actively deployed family member may qualify for rate reductions.
- Policy Bundle Discount – When you combine your auto and homeowners insurance and insure them with the same company you may earn up to 20% and get you low cost Ford F-350 insurance.
- Driver Training Discounts – Participating in a course in defensive driving could possibly earn you a 5% discount if your company offers it.
- Home Ownership Discount – Owning a home in San Antonio can get you a discount because maintaining a house shows financial diligence.
- Life Insurance Discount – Companies who offer life insurance give a break if you buy a life policy as well.
- Discount for Swiching Early – A few insurance companies give discounts for signing up before your current coverage expires. This discount can save up to 10%.
- Paperless Signup – A few insurance companies will give you a small discount for buying your policy on the web.
Please keep in mind that most credits do not apply to the entire cost. Most cut specific coverage prices like medical payments or collision. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.
The chart below illustrates the comparison of Ford F-350 auto insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $500 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.
For a list of companies who offer free Ford F-350 insurance quotes in Texas, click here.
Rates and statistics
The rate information shown below highlights detailed analysis of rate quotes for Ford F-350 models. Knowing how insurance rates are determined helps drivers make decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$410||$858||$772||$46||$230||$2,316||$193|
|F-350 XL Super Cab 4WD||$410||$858||$772||$46||$230||$2,316||$193|
|F-350 XL Super Cab 2WD||$458||$728||$514||$30||$154||$1,884||$157|
|F-350 Super Cab Cabela Package 4WD||$458||$858||$772||$46||$230||$2,364||$197|
|F-350 Super Cab Cabela Package 2WD||$458||$858||$514||$30||$154||$2,014||$168|
|F-350 XL Crew Cab 2WD||$458||$858||$514||$30||$154||$2,014||$168|
|F-350 Crew Cab Harley Edition 4WD||$458||$858||$772||$46||$230||$2,364||$197|
|F-350 Super Cab Harley Edition 4WD||$458||$858||$772||$46||$230||$2,364||$197|
|F-350 Crew Cab King Ranch 4WD||$458||$858||$772||$46||$230||$2,364||$197|
|F-350 XLT Crew Cab 4WD||$458||$858||$772||$46||$230||$2,364||$197|
|F-350 XL Super Cab Turbo Diesel 4WD||$458||$858||$772||$46||$230||$2,364||$197|
|F-350 XLT Super Cab 4WD||$458||$858||$772||$46||$230||$2,364||$197|
|F-350 XLT Super Cab 2WD||$458||$858||$514||$30||$154||$2,014||$168|
|F-350 XL Crew Cab Cabela Package 2WD||$458||$858||$514||$30||$154||$2,014||$168|
|F-350 XL Crew Cab King Ranch 2WD||$458||$858||$514||$30||$154||$2,014||$168|
|F-350 Crew Cab Lariat 4WD||$458||$988||$772||$46||$230||$2,494||$208|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$458||$988||$772||$46||$230||$2,494||$208|
|F-350 Crew Cab Cabela Package 4WD||$458||$988||$772||$46||$230||$2,494||$208|
|F-350 XL Crew Cab Turbo Diesel 4WD||$458||$988||$772||$46||$230||$2,494||$208|
|F-350 Super Cab Lariat 4WD||$458||$988||$772||$46||$230||$2,494||$208|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$458||$988||$772||$46||$230||$2,494||$208|
|F-350 XLT Super Cab Turbo Diesel 4WD||$458||$988||$772||$46||$230||$2,494||$208|
|F-350 Super Cab Lariat 2WD||$504||$858||$514||$30||$154||$2,060||$172|
|F-350 XL Super Cab Turbo Diesel 2WD||$504||$858||$514||$30||$154||$2,060||$172|
|F-350 Super Cab Harley Edition 2WD||$504||$858||$514||$30||$154||$2,060||$172|
|F-350 XLT Crew Cab 2WD||$504||$858||$514||$30||$154||$2,060||$172|
|F-350 XLT Crew Cab Lariat 2WD||$504||$858||$514||$30||$154||$2,060||$172|
|F-350 XLT Crew Cab Harley Edition 2WD||$504||$858||$514||$30||$154||$2,060||$172|
|F-350 XL Crew Cab Turbo Diesel 2WD||$504||$858||$514||$30||$154||$2,060||$172|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$504||$988||$772||$46||$230||$2,540||$212|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$504||$988||$772||$46||$230||$2,540||$212|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$504||$988||$772||$46||$230||$2,540||$212|
|F-350 Super Cab Harley Turbo Diesel 4WD||$504||$988||$772||$46||$230||$2,540||$212|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$504||$988||$514||$30||$154||$2,190||$183|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$504||$988||$514||$30||$154||$2,190||$183|
|F-350 Super Cab Harley Turbo Diesel 2WD||$504||$988||$514||$30||$154||$2,190||$183|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$504||$988||$514||$30||$154||$2,190||$183|
|F-350 Super Cab XLT Turbo Diesel 2WD||$504||$988||$514||$30||$154||$2,190||$183|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$504||$988||$772||$46||$230||$2,540||$212|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$504||$988||$772||$46||$230||$2,540||$212|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$504||$988||$514||$30||$154||$2,190||$183|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$504||$988||$514||$30||$154||$2,190||$183|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in zip code location which can decrease or increase price quotes noticeably.
Males versus Females
The diagram below shows the comparison of Ford F-350 insurance costs for male and female drivers. The data assumes no violations or claims, comprehensive and collision coverage, $500 deductibles, marital status is single, and no other discounts are factored in.
Full coverage or liability only
The chart below illustrates the comparison of Ford F-350 annual premium costs with and without physical damage coverage. The premium estimates are based on no violations or accidents, $250 deductibles, single status, and no other discounts are factored in.
Guidelines for eliminating full coverage
There isn’t a steadfast formula to stop buying comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s say your Ford F-350 replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 annually for full coverage, then you may need to consider dropping full coverage.
There are some conditions where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
You may need help from an insurance agent
Some people just prefer to talk to a local agent. Experienced insurance agents are trained risk managers and help you file claims. A good thing about price shopping on the web is you may find lower rates but still work with a licensed agent. And supporting neighborhood agents is still important in San Antonio.
After completing this quick form, the quote information is sent to participating agents in San Antonio who will gladly provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to even leave your home as quotes are delivered immediately to you. If you want to quote rates from one company in particular, you would need to visit that company’s website and give them your coverage information.
Best car insurance agent in San Antonio
If you prefer to buy auto insurance from a local San Antonio insurance agent, it’s helpful to know the different types of agencies and how they can service your needs differently. Agents can be described as either exclusive or independent (non-exclusive). Both types of agents can sell auto insurance policies, but it’s a good idea to understand how they are different since it can affect the type of agent you choose.
Independent Auto Insurance Agencies or Brokers
Independent agencies often have many company appointments so they can write business through many companies and find you the best rates. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent.
If you are comparing rate quotes, we recommend you include rate quotes from multiple independent agents so that you can do a thorough price comparison. They also have the ability to place coverage with small mutual carriers which may provide better rates.
Shown below is a small list of independent insurance agents in San Antonio who may provide competitive price quotes.
- Legion Insurance Agency
5309 Wurzbach Rd – San Antonio, TX 78230 – (210) 693-1501 – View Map
- A.R.M. Insurance Agency
1534 W Contour Dr #101 – San Antonio, TX 78212 – (210) 828-7873 – View Map
- Atlas Insurance Agency,Inc
1954 SW Military Dr – San Antonio, TX 78221 – (210) 927-2277 – View Map
Exclusive Auto Insurance Agencies
These agents generally can only insure with one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare rates from other companies so keep that in mind. Exclusive insurance agents receive a lot of sales training on sales techniques which helps them sell insurance even at higher premiums. Drivers often buy from exclusive agents primarily because of loyalty to the company and the convenience of having all coverages with one company.
Below are exclusive agencies in San Antonio who can help you get comparison quotes.
- Art Manzano – State Farm Insurance Agent
1255 SW Loop 410 Ste 135 – San Antonio, TX 78227 – (210) 670-0000 – View Map
- Betsy Dippo – State Farm Insurance Agent
19190 Stone Oak Pkwy #112 – San Antonio, TX 78258 – (210) 496-3276 – View Map
- Alex Post – State Farm Insurance Agent
2602 North Loop 1604 W #108 – San Antonio, TX 78248 – (210) 479-2539 – View Map
Selecting a insurance agent is decision based upon more than just the premium amount. Here are some questions you should ask.
- Will high miles depreciate repair valuations?
- How will an accident affect your rates?
- Will they give you a referral list?
- Who is covered by the car insurance policy?
- How many years have they been established?
- Does their agency support local causes in San Antonio?
Lower Your San Antonio Insurance Costs
Smart consumers have a good feel for a few of the rating criteria that come into play when calculating the price you pay for insurance. If you know what determines base rates, this allows you to make good choices that could help you find lower premium levels.
Listed below are just a few of the factors companies use to determine rates.
Teenagers are high risk – Beginning drivers in Texas are statistically shown to be inattentive and easily distracted when behind the wheel so they pay higher insurance rates. Older, more experienced drivers are proven to be safer behind the wheel, tend to file fewer claims, and tend to be get fewer driving tickets.
The following data uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
Drive a fast vehicle and pay more – The performance of the vehicle you are buying insurance for makes a big difference in your car insurance bill. The cheapest insurance rates are for the lowest performance passenger cars, but that’s not the only thing that factors into the final price.
The following chart uses these variables: single male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Ford F-350 rates compared to other models of vehicles that have a range of performance risks.
- Don’t abuse insurance claims – Insurance companies in Texas provide cheaper rates to people who only file infrequent claims. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
- Is you employer costing you more? – Did you know your career choice can influence rates? Occupations such as fire fighters, police officers, and miners generally have higher premiums than the average policyholder attributed to intense work-related stress and extremely grueling work hours. Conversely, careers like scientists, engineers and retirees get better rates.
Ford F-350 insurance loss probability – Insurance companies use data from past claims to help set a rate to offset losses. Models that tend to have higher prevalence or dollar amount of losses will have higher rates for specific coverages. The next table shows the insurance loss data for Ford F-350 vehicles.
For each coverage type, the statistical loss for all vehicles combined as an average is equal to 100. Values that are under 100 suggest losses that are better than average, while values that are 100 or greater indicate a higher chance of having a claim or an increased likelihood of larger losses.
Ford F-350 Insurance Loss Statistics 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 90BETTERAVERAGEWORSE
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Why you need insurance for your Ford vehicle
Even though San Antonio F-350 insurance rates can get expensive, buying insurance may be mandatory for several reasons.
First, just about all states have minimum liability requirements which means you are required to carry a minimum amount of liability coverage in order to license the vehicle. 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 your car has a loan, almost all lenders will make it a condition of the loan that you carry insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank will be required to insure your Ford at a much higher premium rate and force you to pay a much higher amount than you were paying before.
Third, insurance preserves both your Ford F-350 and your assets. It will also reimburse you for many types of medical costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to have it repaired.
The benefits of having insurance more than cancel out the cost, particularly if you ever have a claim. According to a 2015 survey, the average American driver is overpaying over $830 a year so compare rates at every renewal to ensure rates are competitive.
Persistence is the key to affordable rates
Cheaper Ford F-350 insurance in San Antonio can be bought from both online companies in addition to local insurance agencies, so you need to shop San Antonio auto insurance with both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and usually these regional carriers only sell through local independent agents.
When shopping online for auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured cut uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.
We’ve covered a lot of techniques to find cheaper Ford F-350 insurance in San Antonio. It’s most important to understand that the more quotes you get, the better your chances of lowering your premium rates. Consumers may even find the most savings is with some of the lesser-known companies.
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