How long have you put off shopping around for the cheapest Ford F-350 insurance in Milwaukee? There isn’t a single person who likes having to buy car insurance, especially when they know the cost is too high.
Shocking but true, over 70% of drivers kept their policy with the same company for at least four years, and just short of a majority have never even compared quotes to find affordable rates. Wisconsin drivers could pocket roughly $373 a year just by shopping around, but they assume it’s a waste of time to compare rate quotes online.
Insurance companies such as Progressive, GEICO and Farmers Insurance persitently shower you with advertising and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.
It’s smart to do rate comparisons periodically because car insurance prices go up and down regularly. Despite the fact that you may have had the lowest price on Ford F-350 insurance in Milwaukee on your last policy other companies may now be cheaper. Forget all the misinformation about car insurance because we’re going to demonstrate how to use online quotes to find better coverage on Ford F-350 insurance in Milwaukee at a better price.
If you have insurance now, you will surely be able to shop for the lowest rates using these tips. Buying the cheapest insurance in Milwaukee can really be easy if you know what you’re doing. Nevertheless, Wisconsin consumers must know how companies sell online because rates are impacted by many factors.
Save money by getting discounts
Companies don’t always list every available discount in a way that’s easy to find, so the list below details some of the more common in addition to some of the lesser obvious credits available to you.
- Early Switch Discount – Some insurance companies provide a discount for buying a policy early. It’s a savings of about 10%.
- Discount for New Cars – Buying insurance coverage on a new vehicle can cost up to 25% less since new vehicles are generally safer.
- Smart Student Discounts – Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will save you 10% or more on F-350 insurance in Milwaukee.
- Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase life insurance from them.
- Lower Rates for Military – Being on active duty in the military could qualify you for better rates.
- Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of 25 to 30%.
- First Accident Forgiveness – Not necessarily a discount, but some companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
- Drivers Ed for Students – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
- Multiple Policy Discount – If you insure your home and vehicles with one company you could get a discount of nearly 15% which can help you find low cost Ford F-350 insurance.
You can save money using discounts, but most of the big mark downs will not be given to the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, insurance companies aren’t that generous.
Car insurance companies that may include most of the discounts above include:
If you are trying to find the cheapest Ford F-350 rate quotes, ask every prospective company what discounts are available to you. Some discounts might not be available to policyholders everywhere.
How to get free Ford F-350 insurance quotes online
When comparing insurance rates, know that comparing all the rates in your area helps you find lower pricing.
The following companies offer quotes in Milwaukee, WI. If more than one company is shown, we suggest you get price quotes from several of them to find the lowest auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-350 XL Crew Cab 4WD | $204 | $388 | $356 | $22 | $106 | $1,076 | $90 |
| F-350 XL Super Cab 4WD | $106 | $218 | $362 | $22 | $108 | $816 | $68 |
| F-350 XL Super Cab 2WD | $276 | $440 | $310 | $18 | $92 | $1,136 | $95 |
| F-350 Super Cab Cabela Package 4WD | $138 | $222 | $344 | $20 | $104 | $828 | $69 |
| F-350 Super Cab Cabela Package 2WD | $194 | $358 | $220 | $14 | $66 | $852 | $71 |
| F-350 XL Crew Cab 2WD | $182 | $284 | $230 | $14 | $68 | $778 | $65 |
| F-350 Crew Cab Harley Edition 4WD | $134 | $218 | $352 | $20 | $106 | $830 | $69 |
| F-350 Super Cab Harley Edition 4WD | $156 | $278 | $390 | $24 | $116 | $964 | $80 |
| F-350 Crew Cab King Ranch 4WD | $126 | $204 | $356 | $22 | $106 | $814 | $68 |
| F-350 XLT Crew Cab 4WD | $132 | $250 | $448 | $26 | $134 | $990 | $83 |
| F-350 XL Super Cab Turbo Diesel 4WD | $214 | $434 | $390 | $24 | $116 | $1,178 | $98 |
| F-350 XLT Super Cab 4WD | $140 | $236 | $324 | $20 | $98 | $818 | $68 |
| F-350 XLT Super Cab 2WD | $224 | $352 | $230 | $14 | $68 | $888 | $74 |
| F-350 XL Crew Cab Cabela Package 2WD | $178 | $328 | $278 | $16 | $84 | $884 | $74 |
| F-350 XL Crew Cab King Ranch 2WD | $126 | $204 | $236 | $14 | $70 | $650 | $54 |
| F-350 Crew Cab Lariat 4WD | $214 | $476 | $390 | $24 | $116 | $1,220 | $102 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $226 | $446 | $356 | $22 | $106 | $1,156 | $96 |
| F-350 Crew Cab Cabela Package 4WD | $214 | $476 | $362 | $22 | $108 | $1,182 | $99 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $192 | $398 | $390 | $24 | $116 | $1,120 | $93 |
| F-350 Super Cab Lariat 4WD | $238 | $548 | $448 | $26 | $134 | $1,394 | $116 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $224 | $406 | $344 | $20 | $104 | $1,098 | $92 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $214 | $476 | $390 | $24 | $116 | $1,220 | $102 |
| F-350 Super Cab Lariat 2WD | $154 | $236 | $216 | $12 | $64 | $682 | $57 |
| F-350 XL Super Cab Turbo Diesel 2WD | $236 | $412 | $242 | $14 | $72 | $976 | $81 |
| F-350 Super Cab Harley Edition 2WD | $190 | $292 | $216 | $12 | $64 | $774 | $65 |
| F-350 XLT Crew Cab 2WD | $236 | $434 | $260 | $16 | $78 | $1,024 | $85 |
| F-350 XLT Crew Cab Lariat 2WD | $154 | $236 | $216 | $12 | $64 | $682 | $57 |
| F-350 XLT Crew Cab Harley Edition 2WD | $194 | $278 | $234 | $14 | $70 | $790 | $66 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $236 | $434 | $260 | $16 | $78 | $1,024 | $85 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $168 | $314 | $466 | $28 | $140 | $1,116 | $93 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $172 | $338 | $390 | $24 | $116 | $1,040 | $87 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $182 | $302 | $356 | $22 | $106 | $968 | $81 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $214 | $412 | $332 | $20 | $100 | $1,078 | $90 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $304 | $596 | $310 | $18 | $92 | $1,320 | $110 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $138 | $236 | $236 | $14 | $70 | $694 | $58 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $238 | $398 | $234 | $14 | $70 | $954 | $80 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $222 | $402 | $310 | $18 | $92 | $1,044 | $87 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $250 | $446 | $236 | $14 | $70 | $1,016 | $85 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $172 | $338 | $390 | $24 | $116 | $1,040 | $87 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $236 | $476 | $362 | $22 | $108 | $1,204 | $100 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $194 | $320 | $234 | $14 | $70 | $832 | $69 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $118 | $212 | $216 | $12 | $64 | $622 | $52 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in specific zip code location which can impact premiums considerably.
Safe drivers pay cheaper rates
The diagram below highlights how speeding tickets and accidents can drive up Ford F-350 insurance prices for different age groups of insureds. The premiums assume a single male driver, full coverage, $250 deductibles, and no policy discounts are applied.
Raise deductibles and save
The diagram below shows how different deductible levels and can impact Ford F-350 yearly insurance costs for each age group. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Should you buy full coverage?
The information below examines Ford F-350 car insurance rates when comparing full coverage to state minimum liability only. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, married male driver, and no other discounts are factored in.
Should you be buying full coverage?
There is no set guideline of when to stop paying for physical damage insurance, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Ford F-350 replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your deductible. If it’s costing in excess of $200 a year to have full coverage, then you may want to consider only buying liability coverage.
There are some situations where only buying liability is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.
Neighborhood Milwaukee auto insurance agents
Many drivers just want to visit with an insurance agent and that can be a great decision The biggest benefit of getting free rate quotes online is that you can obtain the lowest rates and still have a local agent.
To find an agent, once you fill out this simple form, your information is instantly submitted to agents in your area that can give you free Milwaukee car insurance quotes for your insurance coverage. You never need to find an agent on your own as quotes are delivered instantly to you. You can most likely find cheaper rates and a licensed agent to work with. In the event you want to get a comparison quote from a specific auto insurance provider, just visit that company’s website and fill out their quote form.
Choosing the best company is decision based upon more than just a cheap price. Any good agent in Milwaukee should know the answers to these questions.
- Do they get paid more for recommending certain coverages?
- What company holds the largest book of business for them?
- Does the agency provide any after hours assistance?
- Will they make sure you get an adequate claim settlement?
- Will the company cover a rental car if your car is getting fixed?
If you prefer to buy auto insurance from a local Milwaukee insurance agent, it’s important to understand the types of agencies to choose from. Auto insurance agents can either be independent (non-exclusive) or exclusive.
Exclusive Auto Insurance Agencies
Exclusive agents are contracted to one company such as State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agencies are well trained on the products they sell and that can be a competitive advantage.
Below are Milwaukee exclusive agents that can give you rate quotes.
American Family Insurance – James W Eve Agency LLC
6917 W Oklahoma Ave – Milwaukee, WI 53219 – (414) 546-2100 – View Map
American Family Insurance – Michael L. Voss
332 N 76th St – Milwaukee, WI 53213 – (414) 257-2121 – View Map
American Family Insurance – Dennis James
6111 W Bluemound Rd – Milwaukee, WI 53213 – (414) 259-0040 – View Map
Independent Agents (or Brokers)
Independent agents are not required to write business for one company and that enables them to quote your coverage through many companies and help determine which has the cheapest rates. If prices rise, they can switch companies in-house which is easy for the insured. When shopping rates, it’s recommended you get rate quotes from at least one independent agent to have the best price comparison.
Listed below are Milwaukee independent agencies that are able to give price quotes.
Robertson Ryan and Associates, Inc
330 E Kilbourn Ave #650 – Milwaukee, WI 53202 – (414) 271-3575 – View Map
Wesley Insurance
5600 W Center St – Milwaukee, WI 53210 – (414) 873-4500 – View Map
Adams Insurance Service Inc
11046 W Bluemound Rd – Milwaukee, WI 53226 – (414) 257-2070 – View Map
One last note
We’ve covered many ideas to compare Ford F-350 insurance rates in Milwaukee. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Ford F-350 insurance quotes. You may even discover the lowest priced insurance comes from some of the lesser-known companies. These companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate and Progressive.
When getting Milwaukee car insurance quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the best price.
To read more, take a look at the following helpful articles:
- Uninsured Motorist Statistics (Insurance Information Institute)
- Who Has Cheap Auto Insurance for a GMC Sierra in Milwaukee? (FAQ)
- Who Has Affordable Auto Insurance for a Kia Optima in Milwaukee? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)