Compare 2006 Ford F-350 Super Duty Car Insurance Quotes

Want the cheapest insurance rates for your Ford F-350 Super Duty? Are you irritated from not being able to scrape enough together to pay your insurance bill each month? You are no different than many other consumers. Insurance companies such as Geico, 21st Century and Progressive increase brand awareness with ads and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

Consumers should take time to take a look at other company’s rates yearly since rates are variable and change quite frequently. Even if you got the best premium rates on F-350 Super Duty coverage a couple years back other companies may now be cheaper. There are a lot of ways to save on insurance on the web, but in this article, you’re going to get some good information on how to find affordable insurance.

Verify you’re earning every discount

Some providers don’t always list all possible discounts very clearly, so the list below gives a summary of a few of the more common as well as the least known discounts that you may qualify for.

• Life Insurance Discount – Larger companies have a break if you buy life insurance from them.
• Discount for Good Grades – Being a good student can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
• Paperwork-free – A few car insurance companies will discount your bill up to fifty bucks just for signing your application on the internet.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and qualify for as much as a 10% discount.
• Active Military Service – Being deployed in the military could mean lower premium rates.

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, it’s just not the way it works. But any discount will help lower the amount you pay for coverage.

Some of the larger companies that may have these benefits may include but are not limited to:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

Before purchasing a policy, check with all the companies which discounts you may be entitled to. Depending on the company, some discounts might not be offered in your area.

Buy insurance coverage online

There are a lot of ways you can shop for insurance coverage but one way is easier and takes less work. You could waste a few hours talking about coverages with local insurance agents in your area, or you can utilize online quoting for quick rates.

Many insurance companies take part in a program where insurance shoppers submit one quote, and every company can give them a price based on that data. This saves time by eliminating form submissions for each company you want a rate for. To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to pricing coverage this way is you are unable to specify which carriers you want pricing from. If you would rather choose individual companies to compare prices, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

Whichever method you choose, ensure you are comparing equivalent coverage limits and deductibles for each quote you get. If you compare different deductibles you can’t possibly truly determine the lowest rate.

When should I discuss my situation with an agent?

When choosing the best insurance coverage coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining whether or not you might need an agent’s assistance.

• When would I need additional glass coverage?
• Which companies will insure high-risk drivers?
• Can I rent a car in Mexico?
• Am I covered if I break a side mirror?
• Should I buy only the required minimum liability coverage?
• Is my custom paint covered by insurance?
• Do I need medical payments coverage since I have good health insurance?
• Does my 2006 Ford F-350 Super Duty need full coverage?
• Should I carry comprehensive and collision coverage?
• How do I insure my teen driver?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance 101

Understanding the coverages of car insurance helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.

Liability coverage

This will cover damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like legal defense fees, attorney fees, loss of income, structural damage and medical services. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses for hospital visits, rehabilitation expenses, funeral costs and chiropractic care. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Collision coverage

This pays for damage to your F-350 Super Duty from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, driving through your garage door, hitting a parking meter, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, rock chips in glass and falling objects. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your 2006 Ford F-350 Super Duty.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

A penny earned…

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy enough coverage at the best price while still protecting your assets.

We covered many tips how you can reduce 2006 Ford F-350 Super Duty insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheaper insurance coverage. Consumers may even find the best car insurance rates are with a small mutual company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, Geico and Nationwide.

Helpful resources

• How to Avoid Staged Accidents (State Farm)
• Cellphones, Texting and Driving (iihs.org)
• Coverage Information (Progressive Insurance)
• Information for Teen Drivers (Geico)