Compare 2004 Ford F-350 Super Duty Insurance Quotes

Pricey Ford F-350 Super Duty insurance can overdraw your checking account and force you to prioritize other expenses. Doing a rate comparison is an excellent way to tighten up your finances.

Consumers have multiple car insurance companies to purchase coverage from, and although it’s a good thing to have a choice, having more insurers makes it harder to compare company pricing.

Lower-cost car insurance rates with discounts

Companies offering auto insurance don’t always list every available discount very well, so the below list has some of the more common and the more hidden discounts that may be available.

• Safe Drivers – Insureds without accidents can pay as much as 50% less for F-350 Super Duty coverage than less cautious drivers.
• Employee of Federal Government – Employees or retirees of the government can save as much as 8% for F-350 Super Duty coverage depending on your car insurance provider.
• Discount for Passive Restraints – Cars that have air bags can receive discounts of 20% or more.
• Multiple Vehicles – Buying insurance for several vehicles with one company can reduce rates for all insured vehicles.
• Accident Waiver – but companies like State Farm and Progressive permit an accident without raising rates if you are claim-free prior to the accident.
• Defensive Driver Discounts – Passing a class that teaches defensive driving techniques could save 5% or more if your company offers it.
• No Accidents – Drivers with accident-free driving histories pay less in comparison to drivers with a long claim history.
• Pay Early and Save – By paying your policy upfront instead of making monthly payments you can avoid monthly service charges.

Discounts save money, but please remember that some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, you won’t be that lucky.

A few of the larger companies and a selection of discounts are included below.

• State Farm offers discounts including Drive Safe & Save, driver’s education, Steer Clear safe driver discount, student away at school, accident-free, and good driver.
• Nationwide has discounts for business or organization, defensive driving, easy pay, anti-theft, good student, Farm Bureau membership, and family plan.
• Geico includes discounts for driver training, seat belt use, anti-theft, membership and employees, and defensive driver.
• AAA has savings for multi-car, multi-policy, anti-theft, pay-in-full, good student, good driver, and education and occupation.
• 21st Century may have discounts that include air bags, early bird, teen driver, automatic seat belts, 55 and older, anti-lock brakes, and theft prevention.
• The Hartford offers discounts for defensive driver, bundle, anti-theft, good student, vehicle fuel type, and air bag.

When getting free auto insurance quotes, it’s a good idea to all companies you are considering how many discounts you can get. Some discounts listed above may not be available in your area. To choose companies offering car insurance discounts, follow this link.

You can change your insurance premiums

Multiple criteria are taken into consideration when pricing auto insurance. Some are obvious such as your driving history, but others are not quite as obvious such as your marital status or your vehicle rating.Smart consumers have a good feel for a few of the rating criteria that go into determining the rates you pay for auto insurance. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that can help you get lower rates.

• Your location is important – Having an address in less populated areas of the country has it’s advantages when talking about auto insurance. Urban drivers regularly have much more traffic and much longer commute distances. Fewer drivers and short commutes means a lower chance of having an accident and also fewer theft and vandalism claims.
• Do you really need roadside assistance? – Policies have additional extra coverages that sound like a good idea at the time on your F-350 Super Duty policy. Coverage for things like replacement cost coverage, towing coverage, and additional equipment coverage may be costing you every month. These may sound like a good investment when talking to your agent, but your needs may have changed so remove them and pocket the money.
• Marriage can save on auto insurance – Having a wife or husband may earn you lower rates compared to being single. Having a significant other may mean you are less irresponsible and statistics show drivers who are married file infrequent claims.
• Discounts for alarms and GPS tracking – Owning a car with an alarm system can get you a discount on your auto insurance. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different so this has to be addressed. These are some specific questions can aid in determining if you could use an agent’s help.

• What is medical payments coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Does my policy cover my teen driver if they drive my company car?
• How much underlying liability do I need for an umbrella policy?
• Do I need PIP coverage since I have good health insurance?
• Do I pay less for low miles?
• What happens if I owe more than my 2004 Ford F-350 Super Duty is worth?
• Do I need special endorsements for business use of my vehicle?
• Can I afford to pay high deductible claims out of pocket?
• Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Car insurance coverages explained

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, falling objects, hitting a bird, rock chips in glass and theft. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance – This coverage protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims like funeral expenses, emergency aid, attorney fees, legal defense fees and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments – Med pay and PIP coverage kick in for expenses like nursing services, ambulance fees, rehabilitation expenses, hospital visits and doctor visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Find Good Coverage for Less

Some companies do not provide online price quotes and most of the time these smaller providers only sell through local independent agents. Lower-priced auto insurance can be sourced from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

When you buy auto insurance online, never skimp on critical coverages to save a buck or two. In many instances, drivers have reduced liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Additional auto insurance information can be read at the links below

• Red Light Cameras (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)