Are you overwhelmed by the wide range of insurance sources available to you? Drivers have so many choices that it can turn into a big hassle to compare premium rates on Ford F-350 insurance. Long Beach is a great place to live, but trying to pay high insurance rates makes it very hard to affordably insure vehicles.
Steps to buying low-cost Ford F-350 insurance in Long Beach
If saving money is your primary concern, then the best way to find lower priced auto insurance rates in Long Beach is to make a habit of regularly comparing prices from insurance carriers in California.
- First, get an understanding of what coverages are included in your policy and the changes you can make to keep rates in check. Many policy risk factors that result in higher rates like accidents, traffic violations, and an unacceptable credit history can be rectified by being financially responsible and driving safely. Later in this article we will cover instructions to help keep prices low and get additional discounts that may be available.
- Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or State Farm, while agents who are independent can quote rates from multiple insurance companies. Click to view companies
- Third, compare the new rate quotes to the premium of your current policy and determine if cheaper F-350 coverage is available in Long Beach. If you can save money, make sure coverage is continuous and does not lapse.
- Fourth, provide notification to your current agent or company of your intention to cancel your current auto insurance policy and submit a down payment and signed policy application for the new coverage. Be sure to place the new certificate of insurance in an easily accessible location.
An important bit of advice to remember is to try to use identical deductibles and limits on every quote request and and to compare as many different insurance providers as possible. Doing this guarantees a fair rate comparison and a thorough price selection.
Everyone knows that insurance companies don’t want you comparing rates. People who compare price quotes are highly likely to switch insurance companies because there is a good chance of finding lower prices. A recent survey revealed that drivers who made a habit of comparing rates saved over $3,400 over four years as compared to drivers who never compared prices.
If finding budget-friendly rates on auto insurance in Long Beach is your ultimate goal, then having some knowledge of the best way to compare car insurance can make it easier for you to save money.
It’s a great practice to check insurance prices at least once a year since insurance prices change quite often. Just because you had the lowest rates on Ford F-350 insurance in Long Beach at your last renewal you can probably find a better rate quote now. Block out anything you think you know about insurance because you’re about to find out one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.
Quoting and comparing rates for the lowest-priced policy in Long Beach is quite easy. Practically every car owner who is looking for a better price on insurance will probably find lower prices. Although California drivers can benefit by having an understanding of the way insurance companies determine how much to charge and use it to find better rates.
When quoting car insurance, remember that comparing a wide range of rates helps improve the odds of finding a better price. Some insurance companies are not set up to provide online rate quotes, so it’s necessary to compare prices from those companies as well.
The companies shown below provide quotes in California. If you wish to find the best cheap car insurance in California, it’s highly recommended you visit as many as you can in order to find the most affordable rates.
Ford F-350 detailed coverage information
The rate information below covers different coverage costs for Ford F-350 models. Being more informed about how premiums are calculated can help drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-350 XL Crew Cab 4WD | $216 | $392 | $682 | $40 | $204 | $1,534 | $128 |
| F-350 XL Super Cab 4WD | $216 | $392 | $682 | $40 | $204 | $1,534 | $128 |
| F-350 XL Super Cab 2WD | $242 | $332 | $456 | $26 | $136 | $1,192 | $99 |
| F-350 Super Cab Cabela Package 4WD | $242 | $392 | $682 | $40 | $204 | $1,560 | $130 |
| F-350 Super Cab Cabela Package 2WD | $242 | $392 | $456 | $26 | $136 | $1,252 | $104 |
| F-350 XL Crew Cab 2WD | $242 | $392 | $456 | $26 | $136 | $1,252 | $104 |
| F-350 Crew Cab Harley Edition 4WD | $242 | $392 | $682 | $40 | $204 | $1,560 | $130 |
| F-350 Super Cab Harley Edition 4WD | $242 | $392 | $682 | $40 | $204 | $1,560 | $130 |
| F-350 Crew Cab King Ranch 4WD | $242 | $392 | $682 | $40 | $204 | $1,560 | $130 |
| F-350 XLT Crew Cab 4WD | $242 | $392 | $682 | $40 | $204 | $1,560 | $130 |
| F-350 XL Super Cab Turbo Diesel 4WD | $242 | $392 | $682 | $40 | $204 | $1,560 | $130 |
| F-350 XLT Super Cab 4WD | $242 | $392 | $682 | $40 | $204 | $1,560 | $130 |
| F-350 XLT Super Cab 2WD | $242 | $392 | $456 | $26 | $136 | $1,252 | $104 |
| F-350 XL Crew Cab Cabela Package 2WD | $242 | $392 | $456 | $26 | $136 | $1,252 | $104 |
| F-350 XL Crew Cab King Ranch 2WD | $242 | $392 | $456 | $26 | $136 | $1,252 | $104 |
| F-350 Crew Cab Lariat 4WD | $242 | $452 | $682 | $40 | $204 | $1,620 | $135 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $242 | $452 | $682 | $40 | $204 | $1,620 | $135 |
| F-350 Crew Cab Cabela Package 4WD | $242 | $452 | $682 | $40 | $204 | $1,620 | $135 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $242 | $452 | $682 | $40 | $204 | $1,620 | $135 |
| F-350 Super Cab Lariat 4WD | $242 | $452 | $682 | $40 | $204 | $1,620 | $135 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $242 | $452 | $682 | $40 | $204 | $1,620 | $135 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $242 | $452 | $682 | $40 | $204 | $1,620 | $135 |
| F-350 Super Cab Lariat 2WD | $266 | $392 | $456 | $26 | $136 | $1,276 | $106 |
| F-350 XL Super Cab Turbo Diesel 2WD | $266 | $392 | $456 | $26 | $136 | $1,276 | $106 |
| F-350 Super Cab Harley Edition 2WD | $266 | $392 | $456 | $26 | $136 | $1,276 | $106 |
| F-350 XLT Crew Cab 2WD | $266 | $392 | $456 | $26 | $136 | $1,276 | $106 |
| F-350 XLT Crew Cab Lariat 2WD | $266 | $392 | $456 | $26 | $136 | $1,276 | $106 |
| F-350 XLT Crew Cab Harley Edition 2WD | $266 | $392 | $456 | $26 | $136 | $1,276 | $106 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $266 | $392 | $456 | $26 | $136 | $1,276 | $106 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $266 | $452 | $682 | $40 | $204 | $1,644 | $137 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $266 | $452 | $682 | $40 | $204 | $1,644 | $137 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $266 | $452 | $682 | $40 | $204 | $1,644 | $137 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $266 | $452 | $682 | $40 | $204 | $1,644 | $137 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $266 | $452 | $456 | $26 | $136 | $1,336 | $111 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $266 | $452 | $456 | $26 | $136 | $1,336 | $111 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $266 | $452 | $456 | $26 | $136 | $1,336 | $111 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $266 | $452 | $456 | $26 | $136 | $1,336 | $111 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $266 | $452 | $456 | $26 | $136 | $1,336 | $111 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $266 | $452 | $682 | $40 | $204 | $1,644 | $137 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $266 | $452 | $682 | $40 | $204 | $1,644 | $137 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $266 | $452 | $456 | $26 | $136 | $1,336 | $111 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $266 | $452 | $456 | $26 | $136 | $1,336 | $111 |
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in specific zip code location which can change prices substantially.
Impact of citations and accidents on insurance rates
The information below illustrates how violations and at-fault collisions can impact Ford F-350 insurance costs for different age groups of insureds. The prices are based on a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
Comparison of insurance rates by gender and age
The chart below compares Ford F-350 premium costs for male and female drivers. Data assumes no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Discounts can help save money on Ford F-350 insurance in Long Beach
Some companies don’t list every discount they offer in a way that’s easy to find, so the next list breaks down some of the more common and also the lesser-known savings tricks you should be using when you buy Long Beach car insurance online.
- Driver Training Discounts – Taking time to complete a class that teaches safe driver techniques could cut 5% off your bill depending on where you live.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it will make them better drivers and lower rates.
- New Vehicle Savings – Buying a new car model is cheaper due to better safety requirements for new model year vehicles.
- Braking Control Discount – Vehicles that have steering control and anti-lock brakes have fewer accidents and earn discounts up to 10%.
- Long Beach Homeowners Discount – Owning a house in Long Beach can earn you a little savings because maintaining a house shows financial diligence.
It’s important to understand that some of the credits will not apply to the entire cost. A few only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, it just doesn’t work that way.
The chart below shows the comparison of Ford F-350 car insurance costs with and without discounts applied to the policy rates. The rates are based on a male driver, no claims, a clean driving record, 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, multi-policy, homeowner, multi-car, claim-free, and marriage discounts applied.
Companies who may offer some of the above discounts include:
If you need affordable Long Beach car insurance quotes, ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered in Long Beach. To see a list of insurers with the best Ford F-350 insurance discounts in California, click here.
Choosing the best F-350 insurance in California is an important decision
Despite the high insurance cost for a Ford F-350 in Long Beach, paying for insurance serves a purpose in several ways.
- Almost all states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability coverage if you don’t want to risk a ticket. 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 vehicle has a lienholder, most lenders will make it mandatory that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Ford at a much higher premium rate and require you to pay the higher price.
- Insurance safeguards not only your Ford but also your financial assets. It also can pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of buying insurance outweigh the cost, particularly if you ever have a claim. Unknowingly, the average driver overpays more than $820 a year so it’s very important to do a rate comparison at least once a year to save money.
Insurance agencies near you
A small number of people would rather buy from a local agent and we recommend doing that One of the benefits of price shopping on the web is that you can find better rates and still buy from a local agent. Putting coverage with local insurance agencies is important especially in Long Beach.
To help locate an agent, after submitting this simple form, your insurance coverage information is sent to local insurance agents who will gladly provide quotes for your business. You won’t need to find an agent because prices are sent instantly to you. You’ll get the best rates without a big time investment. If you have a need to compare prices from a specific insurance company, feel free to navigate to their website and give them your coverage information.
Pick the best auto insurance agent in Long Beach for you
If you are wanting to find a reputable agency, it’s important to understand the different types of agents and how they work. Insurance agencies are either independent or exclusive.
Independent Insurance Agents (or Brokers)
Independent insurance agents are not locked into one company so they can write business with an assortment of companies and possibly get better coverage at lower prices. If your premiums go up, they simply move the coverage in-house and you don’t have to do anything.
If you are trying to find cheaper rates, you need to get rate quotes from several independent agencies to get the best comparison. Most independent agents also contract with smaller companies that may provide cheaper insurance rates.
Listed below is a list of independent insurance agents in Long Beach that may be able to provide comparison quotes.
- Jennifer Lee Insurance Agency
4252 Atlantic Ave – Long Beach, CA 90807 – (562) 427-1109 – View Map - Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 – View Map - Nationwide Insurance: Caiquo Insurance Agency
4401 Atlantic Ave #214 – Long Beach, CA 90807 – (562) 548-7488 – View Map
Exclusive Agencies
Agents that choose to be exclusive can only write with one company such as State Farm, Allstate and AAA. Exclusive agents are unable to place coverage with different providers so they are skilled at selling on more than just price. They are very knowledgeable on their products and sales techniques which helps them sell on service rather than price. Consumers frequently use the same agent primarily because of the brand legacy and solid financial strength.
Below are Long Beach exclusive insurance agents that can give you rate quotes.
- Joe Lopez Jr – State Farm Insurance Agent
5199 Pacific Coast Hwy Ste 616 – Long Beach, CA 90804 – (562) 597-5547 – View Map - April Showers – State Farm Insurance Agent
537 W Willow St – Long Beach, CA 90806 – (562) 612-4949 – View Map - Farmers Insurance – Edmund Janik
3505 Long Beach Blvd #2o – Long Beach, CA 90807 – (562) 285-0816 – View Map
Deciding on an car insurance agent shouldn’t rely on just the bottom line cost. Get answers to these questions too.
- Do they make recommendations based only on price?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are they paid to recommend certain coverages?
- What are the financial ratings for the companies they represent?
- Are they able to influence company decisions when a claim is filed?
- Do they see any coverage gaps in your plan?