It’s a fact that auto insurance companies don’t want their customers to go rate shopping. Insureds who shop around once a year will probably switch auto insurance companies because of the high probability of finding a lower-priced company. A survey found that people who compared price quotes annually saved approximately $865 annually as compared to drivers who don’t regularly compare prices.
If saving the most money on auto insurance in Oakland is your ultimate target, then understanding how to get price quotes and compare insurance rates can save time and make the process easier.
If your goal is the lowest price, then the best way to get more affordable Ford F-350 insurance is to regularly compare prices from different companies who provide auto insurance in Oakland. Rates can be compared by following these steps.
First, try to learn a little about individual coverages and the steps you can take to prevent high rates. Many policy risk factors that result in higher rates such as accidents, traffic violations, and a low credit score can be controlled by making minor changes to your lifestyle.
Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can quote prices for many different companies. Start a quote
Third, compare the quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide adequate notice to your current company to cancel your existing policy and submit a down payment and signed policy application to your new insurance company. Once the application is submitted, put the new proof of insurance paperwork along with your vehicle registration.
The key thing to know about shopping around is that you’ll want to compare similar limits and deductibles on each quote request and to quote with all possible companies. This ensures a level playing field and the best price quote selection.
Comparing rates for the most affordable protection in Oakland is not as hard as you think. Basically, each driver who compares rate quotes for car insurance stands a good chance to be able to lower their premiums. Nevertheless, California drivers benefit from understanding the way insurance companies calculate your car insurance rates because it can help you find the best coverage.
All the larger car insurance companies provide prices for coverage online. The process can be done by anyone as you simply type in your required coverages as detailed in the form. Once entered, the system makes automated requests for your driving and credit reports and returns pricing information based on the information you submitted. Being able to quote online for Ford F-350 insurance in Oakland makes it easy to compare insurance prices and it’s absolutely necessary to have as many quotes as possible in order to get a better rate.
If you want to fill out one form to compare multiple rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you enter the coverages identical to your current policy. This guarantees you will receive rate quotes for exact coverage.
The following companies have been selected to offer price comparisons in California. If your goal is to find cheap auto insurance in CA, we suggest you click on several of them to get the most competitive price.
You may qualify for discounts for Ford F-350 insurance in Oakland
Car insurance companies do not list every discount very clearly, so we researched both well-publicized and also the more inconspicuous credits that you can use to lower your rates.
- Discount for Swiching Early – Some insurance companies give discounts for buying a new policy early. This can save 10% or more.
- Paperwork-free – Some larger companies give back up to $50 just for signing your application digitally online.
- ABS and Traction Control Discounts – Cars with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
- Student Discount for Driver Training – Teen drivers should successfully take a driver’s education course in school.
- Discount for Multiple Policies – If you combine your home and auto policies and insure them with the same company you could get a discount of approximately 10% to 15%.
- More Vehicles More Savings – Drivers who insure more than one vehicle with one company qualifies for this discount.
- Mature Driver Discount – Drivers over the age of 55 could receive reduced rates.
- Full Payment Discount – If you pay your bill all at once rather than paying in monthly installments you could save 5% or more.
- Homeowners Savings – Owning a home in Oakland can save you money because of the fact that having a home means you have a higher level of financial diligence.
- Accident Forgiveness Coverage – This one isn’t a discount, but companies like Allstate and State Farm will let one accident slide before your rates go up if you are claim-free before the accident.
As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, you aren’t that lucky.
The example below illustrates the comparison of Ford F-350 car insurance costs with and without discounts applied to the policy premium. The costs are based on a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, homeowner, multi-car, and marriage discounts applied.
Auto insurance companies that have most of the discounts above possibly include:
If you are trying to find affordable Ford F-350 insurance quotes, ask all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier might not apply in Oakland. If you would like to see a list of companies who offer free Ford F-350 insurance quotes in California, follow this link.
Rates and information analytics
The data table below covers a range of insurance rates for Ford F-350 models. Understanding how auto insurance policy rates are established is important for making smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$204||$418||$748||$44||$224||$1,638||$137|
|F-350 XL Super Cab 4WD||$204||$418||$748||$44||$224||$1,638||$137|
|F-350 XL Super Cab 2WD||$228||$354||$500||$30||$150||$1,262||$105|
|F-350 Super Cab Cabela Package 4WD||$228||$418||$748||$44||$224||$1,662||$139|
|F-350 Super Cab Cabela Package 2WD||$228||$418||$500||$30||$150||$1,326||$111|
|F-350 XL Crew Cab 2WD||$228||$418||$500||$30||$150||$1,326||$111|
|F-350 Crew Cab Harley Edition 4WD||$228||$418||$748||$44||$224||$1,662||$139|
|F-350 Super Cab Harley Edition 4WD||$228||$418||$748||$44||$224||$1,662||$139|
|F-350 Crew Cab King Ranch 4WD||$228||$418||$748||$44||$224||$1,662||$139|
|F-350 XLT Crew Cab 4WD||$228||$418||$748||$44||$224||$1,662||$139|
|F-350 XL Super Cab Turbo Diesel 4WD||$228||$418||$748||$44||$224||$1,662||$139|
|F-350 XLT Super Cab 4WD||$228||$418||$748||$44||$224||$1,662||$139|
|F-350 XLT Super Cab 2WD||$228||$418||$500||$30||$150||$1,326||$111|
|F-350 XL Crew Cab Cabela Package 2WD||$228||$418||$500||$30||$150||$1,326||$111|
|F-350 XL Crew Cab King Ranch 2WD||$228||$418||$500||$30||$150||$1,326||$111|
|F-350 Crew Cab Lariat 4WD||$228||$482||$748||$44||$224||$1,726||$144|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$228||$482||$748||$44||$224||$1,726||$144|
|F-350 Crew Cab Cabela Package 4WD||$228||$482||$748||$44||$224||$1,726||$144|
|F-350 XL Crew Cab Turbo Diesel 4WD||$228||$482||$748||$44||$224||$1,726||$144|
|F-350 Super Cab Lariat 4WD||$228||$482||$748||$44||$224||$1,726||$144|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$228||$482||$748||$44||$224||$1,726||$144|
|F-350 XLT Super Cab Turbo Diesel 4WD||$228||$482||$748||$44||$224||$1,726||$144|
|F-350 Super Cab Lariat 2WD||$252||$418||$500||$30||$150||$1,350||$113|
|F-350 XL Super Cab Turbo Diesel 2WD||$252||$418||$500||$30||$150||$1,350||$113|
|F-350 Super Cab Harley Edition 2WD||$252||$418||$500||$30||$150||$1,350||$113|
|F-350 XLT Crew Cab 2WD||$252||$418||$500||$30||$150||$1,350||$113|
|F-350 XLT Crew Cab Lariat 2WD||$252||$418||$500||$30||$150||$1,350||$113|
|F-350 XLT Crew Cab Harley Edition 2WD||$252||$418||$500||$30||$150||$1,350||$113|
|F-350 XL Crew Cab Turbo Diesel 2WD||$252||$418||$500||$30||$150||$1,350||$113|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$252||$482||$748||$44||$224||$1,750||$146|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$252||$482||$748||$44||$224||$1,750||$146|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$252||$482||$748||$44||$224||$1,750||$146|
|F-350 Super Cab Harley Turbo Diesel 4WD||$252||$482||$748||$44||$224||$1,750||$146|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$252||$482||$500||$30||$150||$1,414||$118|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$252||$482||$500||$30||$150||$1,414||$118|
|F-350 Super Cab Harley Turbo Diesel 2WD||$252||$482||$500||$30||$150||$1,414||$118|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$252||$482||$500||$30||$150||$1,414||$118|
|F-350 Super Cab XLT Turbo Diesel 2WD||$252||$482||$500||$30||$150||$1,414||$118|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$252||$482||$748||$44||$224||$1,750||$146|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$252||$482||$748||$44||$224||$1,750||$146|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$252||$482||$500||$30||$150||$1,414||$118|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$252||$482||$500||$30||$150||$1,414||$118|
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in specific location information which can increase or decrease prices greatly.
The information below demonstrates how deductibles and can affect Ford F-350 premium costs for each age group. The premiums assume a single male driver, full physical damage coverage, and no other discounts are factored in.
Difference between liability only and full coverage rates
The information below shows the difference between Ford F-350 premium costs with liability coverage only compared to full coverage. The rates are based on no accidents or driving violations, $500 deductibles, single status, and no discounts are factored in.
Should you pay for full coverage?
There is no exact rule to exclude physical damage insurance, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s say your Ford F-350 claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after the policy deductible has been paid. If you are paying over $800 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where dropping physical damage coverage is not a good idea. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Best auto insurance company in Oakland
Finding a good quality insurance company can be challenging considering how many companies sell coverage in California. The rank data shown next can help you decide which auto insurance companies to look at comparing rate quotes with.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
Lower Your Oakland Insurance Premiums
Many things are taken into consideration when you get your auto insurance bill. Most are fairly basic like an MVR report, but other factors are more obscure like where you live or your financial responsibility. Smart consumers have a good feel for a few of the rating criteria that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that could help you find much lower annual insurance costs.
The factors shown below are a few of the things used by insurance companies to determine your premiums.
Your credit rating is important – Having a bad credit history will be a significant factor in your rate calculation. Therefore, if your credit rating could use some work, you could pay less to insure your Ford F-350 if you improve your credit rating. Drivers who have high credit scores tend to be less risk to insure than drivers with worse credit.
Prices also based on gender – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Both sexes have accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to receive more major tickets like driving under the influence (DUI).
The diagram below compares Ford F-350 car insurance costs for male and female drivers. The premiums assume no violations or accidents, comprehensive and collision coverage, $100 deductibles, single status, and no additional discounts are factored in.
If you don’t need it don’t buy it – There are many optional add-on coverages you can purchase but may not be useful. Insurance for things like roadside assistance, accident forgiveness, and extra equipment coverage are some examples. They may sound like good ideas at first, but if you have no use for them get rid of them and save.
Marriage brings a discount – Having a wife or husband may earn you lower rates when buying auto insurance. Marriage translates into being more stable financially and it’s statistically proven that married couples file fewer claims.
Do safer cars cost less to insure? – Vehicles with good safety scores cost less to insure. These vehicles reduce the chance of injuries and lower rates of occupant injuries means lower claim amounts and cheaper rates on your policy. If your Ford F-350 has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.
Insurance loss probability for a Ford F-350 – Insurance companies factor in insurance loss information to help calculate premium rates. Models that are shown to have a trend towards higher claim severity or frequency will cost more to insure.
The table below illustrates the compiled insurance loss statistics for Ford F-350 vehicles. For each type of coverage, the loss probability for all vehicles, regardless of manufacturer or model, is a value of 100. Percentage values below 100 represent a good loss history, while values over 100 show a trend for more claims or an increased chance of a larger loss.
|Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years