Cheap 2002 Ford F-350 Super Duty Insurance Quotes

Looking for lower car insurance rates for your Ford F-350 Super Duty? Do you get frustrated by the number of car insurance choices in your area? vehicle owners have so many choices to choose from that it can easily become hard work to find lower car insurance rates.

Buying the best coverage is quite easy. Essentially anyone who is required by state law to have insurance coverage will most likely be able to find better rates. Nevertheless, consumers do need to know how big insurance companies price insurance differently because it can help you find the best coverage.

Use discounts on car insurance

Car insurance companies do not advertise the entire discount list very clearly, so the below list has both well-publicized and also the more inconspicuous ways to save on car insurance.

  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for F-350 Super Duty insurance depending on your car insurance provider.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school.
  • Claim-Free Discount – Insureds who avoid accidents and claims can save substantially when compared with frequent claim filers.
  • Cautious Drivers – Drivers who avoid accidents can save as much as half off their rates for F-350 Super Duty insurance as compared to drivers with claims.
  • Air Bags and Passive Restraints – Factory air bags or automatic seat belts can get savings as much as 30%.
  • Multiple Cars – Having primary and secondary vehicles with the same company can get a discount on all vehicles.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.

Don’t be surprised that some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

Large car insurance companies and their possible discounts are included below.

  • Mercury Insurance policyholders can earn discounts including good student, anti-theft, annual mileage, ease of repair, and accident-free.
  • Farmers Insurance discounts include alternative fuel, bundle discounts, electronic funds transfer, mature driver, and pay in full.
  • Farm Bureau may have discounts that include multi-vehicle, multi-policy, good student, 55 and retired, and safe driver.
  • State Farm may include discounts for multiple policy, safe vehicle, driver’s education, multiple autos, Steer Clear safe driver discount, and good student.
  • Allstate offers discounts for anti-lock brakes, anti-theft, good payer, new car, defensive driver, EZ pay plan discount, and 55 and retired.
  • GEICO may offer discounts for seat belt use, five-year accident-free, multi-vehicle, membership and employees, good student, and federal employee.

When getting free insurance coverage quotes, it’s a good idea to each insurance company which credits you are entitled to. A few discounts may not apply to policyholders in your area.

How to find affordable insurance

To find cheaper prices, there are a couple of ways to compare rate quotes from local insurance companies. By far the easiest way to lower the rate you pay for Ford F-350 Super Duty insurance consists of shopping online. This is quite simple and can be completed in several different ways.

  1. The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This style of form eliminates the need for repetitive form entry for each company you want a rate for. Completing one form gets you coverage quotes from insurance companies with the best prices. This is by far the quickest method.
  2. A more difficult way to analyze rates is to manually visit each company’s website to complete a price quote. For instance, let’s assume you want rates from Progressive, Allstate and State Farm. In order to get each rate, you would have to go to each individual site and repeatedly type in your coverage information, which is why first method is reommended. To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing identical quote information with each company. If you enter differing limits it will be impossible to make a fair comparison for your Ford F-350 Super Duty. Even a minor difference in limits can mean a large discrepancy in price. Just remember that having more price comparisons increases your odds of finding a better price. Some insurance companies are not set up to provide online quotes, so you should also compare price estimates from them as well.

How insurance providers determine Ford F-350 Super Duty insurance rates

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that come into play when calculating the price you pay for insurance coverage. When you understand what impacts premium levels, this allows you to make good choices that may reward you with lower premium levels.

The itemized list below are some of the items utilized by car insurance companies to help set rates.

  • Consider raising coverage deductibles – The deductibles are how much the insured will be required to pay in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be a windshield broken by a bird, animal collisions, and having a roll-over accident. The higher the amount the insured is willing to pay, the better rate you will receive for F-350 Super Duty insurance.
  • Policy add-ons add up – There are quite a few additional extra coverages that may not really be needed if you don’t pay attention. Coverages like personal injury protection, accident forgiveness, and Farm Bureau memberships may be wasting your money. The coverages may be enticing initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Stress out and pay more – Did you know your occupation can influence how much you pay for insurance coverage? Careers such as doctors, architects and medical professionals are shown to have higher premium rates because of intense work situations and lengthy work days. Other occupations such as scientists, historians and retirees pay lower than average rates for F-350 Super Duty insurance.
  • Poor driving means higher premiums – Your driving citation history has a lot to do with how much you pay for insurance. Careful drivers pay less for auto insurance than their less careful counterparts. Only having one driving citation can bump up the cost by as much as twenty percent. Drivers who have received serious tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 form with their state’s licensing department in order to prevent a license revocation.
  • Your address can push rates up or down – Living in less populated areas of the country has definite advantages if you are looking for the lowest rates. Drivers in populated areas tend to have traffic congestion and longer commutes to work. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims.

Tailor your car insurance coverage to you

When choosing proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

For instance, these questions can aid in determining if you will benefit from professional help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered when delivering products for my home-based business?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I really need UM/UIM coverage?
  • Is my 2002 Ford F-350 Super Duty covered for flood damage?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Be skeptical of auto insurance ads

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm seem to constantly run ads in print and on television. They all seem to make the point that you’ll save big if you move your auto insurance coverage to their company. How do they all lower your prices?

Most companies have a preferred profile for the driver that earns them the highest profit. For instance, a profitable customer might have to be a married female, carries full coverage, and drives less than 5,000 miles a year. Any person that hits that “sweet spot” will get a cheap rate quote and will most likely save if they switch.

Potential insureds who do not match this ideal profile must pay a higher premium and ends up with the prospect going elsewhere. The ads state “drivers that switch” not “everyone that quotes” save the amount stated. That’s why companies can make those claims.

Different companies use different criteria so you really need to compare free insurance coverage quotes often. It’s impossible to know which insurance companies will have better prices than you’re paying now.

Auto insurance 101

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, damage from flooding, hitting a deer and theft. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for prosthetic devices, funeral costs, EMT expenses and pain medications. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Ford F-350 Super Duty.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision insurance covers damage to your F-350 Super Duty caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree, hitting a mailbox, rolling your car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

This provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like bail bonds, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

And the best car insurance company is…

Insureds leave their current company for any number of reasons including questionable increases in premium, denial of a claim, being labeled a high risk driver and even not issuing a premium refund. It doesn’t matter why you want to switch finding a new car insurance company is pretty easy and you might even save some money in the process.

When shopping online for car insurance, do not skimp on critical coverages to save a buck or two. In many cases, someone dropped liability limits or collision coverage and learned later they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

Throughout this article, we presented a lot of information how to reduce 2002 Ford F-350 Super Duty insurance auto insurance rates online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from an unexpected company.

Additional information can be read at these links:

Comments About 2002 Ford F-350 Super Duty Insurance

  1. Elza Cervantes

    Are custom wheels covered by insurance?

  2. Louie Mccormick

    From Louisville, KY. Quoted with State Farm, Hanover, and Farmers for my Ford and I think I cut my rates about $20 each month. Only insure liability on my F-350 Super Duty.

  3. Sherrie Watson

    It’s all a rip off. From east side of North Charleston, South Carolina. Not sure of all the companies but I ended up saving about $30 each month. Was with Esurance.

  4. Skye Gibson

    Not sure if this is cheap. From a town just southwest of Kansas City, Kansas. I quoted with Progressive, Hanover, and Farmers for my Ford and saved $72 a year. Hopefully won’t need it.

  5. Nicholle Heath

    Just my two cents. I’m in Lewiston, ME. I got free quotes with GMAC, Amica, MetLife, and a couple others for my Ford and saved just over $90 a year. Ask about discounts. I don’t put full coverage on it.

  6. Toshiko Knight

    Anyone compare GEICO and Allstate rates in Hilo, HI?

  7. Halley Harding

    Cheap is relative. Found cheapest coverage with USAA for my F-350 Super Duty and saved about $90 a year. Full coverage costs too much.

  8. Donn Rowe

    If you have a clean record and live near Fayetteville, AR, check out 21st Century. They seem to be cheaper. Not sure if rates are cheaper online or not.

  9. Shirlene Lang

    Proud to be from Reno, NV. Quoted with USAA, American Family, The General, and Safeco for my Ford and saved $83 a year.

  10. Aimee Spence

    If you have a clean record and are close to Miami, FL, check out Progressive. They seem to be cheaper. I used their website to get prices.

  11. Rick Price

    From a town just southwest of Fargo, ND and for me Progressive had the lowest quote. Get lots of quotes to find the best rate.

  12. Bong Atkins

    For me, GEICO was by far the cheapest in Henderson, NV.

  13. Clotilde Burke

    If you’re a decent driver and live near Boston, MA, check out GEICO. I saved quite a bit. They offer free online rate quotes. Anyone else drop full coverage?