View 2000 Ford F-350 Super Duty Insurance Quotes

If you are new to online price comparisons, chances are good that you are overwhelmed thanks to the incredible selection local agents and online companies selling insurance.

Smart consumers take time to compare prices once or twice a year because car insurance prices change frequently. Even if you got the best deal on F-350 Super Duty coverage two years ago other companies may now be cheaper. There is lot of inaccurate information about car insurance online but in this article, you’re going to get a lot of great tips on how to put money back in your pocket.

Ways to get insurance rate quotes

Many insurance companies like Progressive, Allstate and GEICO make it easy to get prices on their websites. Obtaining pricing doesn’t take a lot of time because you just enter on the page. When complete, the system pulls credit information and your driving record and generates pricing information.

Being able to quote online simplifies rate comparisons, but the work required to visit different websites and type in your information can get tiresome after awhile. But it’s very important to get many rate quotes in order to find a better rate.

The smarter way to find cheaper rates uses one simple form that obtains quotes from multiple companies. The form is fast, requires less work, and makes online quotes much easier. As soon as you send your information, it is rated and you can choose your choice of the pricing results. If a lower price is quoted, it’s easy to complete the application and purchase coverage. This process only takes a few minutes and you will know how your current rates stack up.

To compare rates now, click here to open in new window and submit the form. If you have your current policy handy, we recommend you replicate the coverages exactly as shown on your declarations page. This guarantees you will have rate comparison quotes for similar coverage.

Ads can be misleading

Big name companies like Progressive, Allstate and GEICO endlessly run television and radio advertisements. All the ads make the same claim that you can save if you just switch your coverage to them. Is it even possible that every company can offer drivers better rates? It’s all in the words they use.

Auto insurance companies have strict underwriting profiles for the driver that will generate a profit. One example of this type of insured might be over the age of 35, has had continuous coverage, and has excellent credit. Any customer who matches those parameters gets the lowest prices and is almost guaranteed to cut their rates if they switch.

Consumers who don’t meet this stringent profile will probably be forced to pay a higher premium which results in business not being written. Company advertisements say “drivers that switch” not “everyone who quotes” save money. That’s the way companies can truthfully advertise the savings. This really emphasizes why drivers must get as many free insurance coverage quotes as possible. It’s impossible to know the company that will provide the lowest rates.

What impacts Ford F-350 Super Duty insurance premiums?

Lots of factors are part of the equation when you get a price on insurance. A few of the factors are predictable such as your driving record, but others are not quite as obvious such as your marital status or how safe your car is.When buying insurance it’s important to understand a few of the rating criteria that help calculate your premiums. If you understand what determines premiums, this empowers consumers to make smart changes that could help you find cheaper rates.

The itemized list below are most of the major factors used by your company to calculate premiums.

  • Do you know your deductibles? – Comp and collision deductibles are how much you are willing to pay if a claim is determined to be covered. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of some claims that would be covered could be a windshield broken by a bird, animal collisions, and damage caused by road hazards. The higher the amount you pay before a claim is paid (deductible), the less your insurance will be on F-350 Super Duty coverage.
  • More miles equals more premium – Driving a lot of miles annually the higher your rate. Almost all companies calculate prices based on their usage. Cars and trucks used primarily for pleasure use receive better premium rates than those used for commuting. It’s always a good idea to double check that your policy reflects the correct driver usage. An improperly rated F-350 Super Duty may be costing you.
  • Compare rates if you combine your policies – Most insurers will award a discount to insureds who carry more than one policy such as combining an auto and homeowners policy. The discount can add up to anywhere from five to ten percent in most cases. If you currently are using one company, it’s always a smart idea to compare other company rates to verify if the discount is saving money. You may still be able to save even more than the discount by buying insurance from a different company.
  • Know your credit score – Having a bad credit score can be an important factor in calculating your premium rate. Insureds with high credit scores tend to be less risk to insure than drivers with poor credit. Therefore, if your credit can be improved, you could save money insuring your 2000 Ford F-350 Super Duty by spending a little time repairing your credit.

Get lower rates with these discounts

Companies don’t list every policy discount in an easy-to-find place, so we researched a few of the more common and also the more inconspicuous discounts that may be available. If you check and find you aren’t receiving every discount available, you may be paying too high a price.

  • Good Driver Discount – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on F-350 Super Duty coverage compared to rates paid by drivers with frequent claims.
  • ABS Braking Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Memberships – Being in qualifying employment or professional organizations is a simple method to lower premiums on your next insurance coverage statement.
  • Life Insurance – Some insurance carriers give a lower premium rate if you buy auto and life insurance together.

While discounts sound great, it’s important to understand that most credits do not apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Even though it appears having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. Any amount of discount will help reduce your policy premiums.

A few companies that may offer policyholders these benefits possibly include:

It’s a good idea to ask all companies you are considering which credits you are entitled to. Some credits might not be offered on policies in your area. To locate companies who offer online insurance coverage quotes, click here.

Insurance coverage can be complex

When it comes to choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need motorclub coverage?
  • How do I insure my teen driver?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my car insurance cover rental cars?
  • What is PIP insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I bundle my homeowners policy with my auto?
  • Can I make deliveries for my home business?
  • Will my insurance pay for OEM parts?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Learn about insurance coverages for a 2000 Ford F-350 Super Duty

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, a broken windshield, vandalism, hitting a deer and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills such as surgery, chiropractic care and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, backing into a parked car, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford F-350 Super Duty.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Auto liability

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims like funeral expenses, medical expenses, repair bills for other people’s vehicles, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Quote often and quote early

There are still a few companies who may not provide the ability to get quotes online and usually these small, regional companies only sell coverage through independent agencies. Cost effective 2000 Ford F-350 Super Duty insurance can be purchased online as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money.

As you quote insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, someone dropped physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.

Insureds change insurance companies for many reasons like poor customer service, extreme rates for teen drivers, high rates after DUI convictions and even delays in responding to claim requests. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Additional car insurance information can be read at these links:

Comments About 2000 Ford F-350 Super Duty Insurance

  1. Emory Mack

    Quoted with Nationwide for my F-350 Super Duty and cut my rates about $80 a year. Left Travelers to switch. They have a lot of discounts available. I recommend comparing lots of rates.

  2. Lawrence Snider

    I live in a small town just outside of Des Moines, IA. Can’t remember who all I quoted but I ended up saving about $20 each month. Wish I didn’t have to insure at all. I think I’ll get rid of full coverage next time.

  3. Meta Mills

    From a town just southwest of Fort Smith, AR. Quoted rates from Sentry, Erie, State Farm, and Amica for my Ford and saved $79 a year. I recommend comparing lots of rates.

  4. Apryl Velazquez

    I got decent rates for a 2000 Ford F-350 Super Duty in Des Moines, Iowa. Ended up at right around $70 every six months with AIG Insurance. Insured with GEICO before. It never hurts to quote around.

  5. Bunny Cain

    All companies are crooks. I’m just east of Lincoln, NE. Checked online prices for a 2000 Ford F-350 Super Duty. Ended up at about $110 savings annually. Went with GEICO. I increased coverages a little too.

  6. Kerstin Hunt

    Will GEICO raise rates after an accident?

  7. Idell Blair

    If you’re from Chicago, Illinois get quotes from Allstate and Progressive and you might save.

  8. Clinton Peters

    Where can I find cheaper car insurance in Colorado Springs, CO?

  9. Janeen Hamilton

    Does 21st Century offer multi-policy discounts?

  10. Loise Gibson

    Liked the article. Went with Hartford for my Ford and saved around $80 a year.

  11. Shirlene Berger

    Thanks for putting this site together. I’m just north of Jersey City, New Jersey. Got car insurance prices from AAA, Esurance, and MetLife for my F-350 Super Duty and cut my rates about $100 a year. Switched homeowners coverage too. Highly recommended.

  12. Claudine Snider

    I’m just north of Nashville, TN. Got quotes from American Family, Erie, and MetLife for my F-350 Super Duty and saved just over $110 a year. They have a lot of discounts available. I think I’ll get rid of full coverage next time.

  13. Chere Holden

    Good detail in your article. Proud to be from Spokane, Washington. Quoted a bunch of companies. Saved about $30 a month. Progressive was the best choice for me. Good savings if you bundle. You can get a rate quote online. Liability only on my Ford.

  14. Dario Powell

    Cheaper not always better. I’m from Tampa, FL. Got car insurance prices from Sentry, Encompass, Progressive, and AIG Insurance for my F-350 Super Duty and I’m now saving $17 a month. I have several vehicles insured with them. It’s too old for full coverage.