How Much Does 2008 Ford F-350 Super Duty Insurance Cost?

Buyers have many options when searching for the best price on Ford F-350 Super Duty insurance. You can either waste hours contacting agents trying to get quotes or utilize the internet to get rate quotes. There is a right way and a wrong way to buy auto insurance so we’re going to tell you the quickest way to quote coverages for a Ford and obtain the cheapest rates.

The quickest method we recommend to compare rate quotes is to know the trick car insurance companies will pay a fee to provide you with a free rate quote. The only thing you need to do is spend a couple of minutes providing details such as whether the vehicles are used for commuting, driver ages, distance driven, and whether you are married. That rating data gets transmitted to many of the top insurers and you should receive rate quotes within a short period of time.

To get price quotes for your 2008 Ford F-350 Super Duty now, click here and see if a lower rate is available.

Discounts for cheap insurance rates

Insurance can cost an arm and a leg, but companies offer discounts to cut the cost considerably. Many discounts should be triggered at the time of purchase, but some need to be asked about before being credited.

• Life Insurance Discount – Select insurance companies reward you with a discounted rate on car insurance if you buy auto and life insurance together.
• Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for better premium rates on cars that stay parked.
• Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to the expiration date on your current policy. You could save around 10% when you buy auto insurance online.
• Bundled Policy Discount – If you have multiple policies and insure them both with the same insurance company you may save approximately 10% to 15%.
• Membership in Organizations – Being a member of a civic or occupational organization could earn you a nice discount on your next insurance statement.
• Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.

As a footnote on discounts, most discount credits are not given the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride. Any qualifying discounts should help lower your overall bill.

A list of companies and some of their more popular discounts are included below.

• 21st Century offers discounts including 55 and older, early bird, automatic seat belts, defensive driver, homeowners, driver training, and theft prevention.
• Progressive has discounts for continuous coverage, multi-policy, homeowner, multi-vehicle, online signing, and online quote discount.
• State Farm offers discounts for student away at school, safe vehicle, Steer Clear safe driver discount, defensive driving training, and accident-free.
• Nationwide may offer discounts for business or organization, multi-policy, accident-free, anti-theft, and easy pay.
• Esurance policyholders can earn discounts including safety device, paid-in-full, online quote, homeowner, multi-car, and multi-policy.
• The Hartford may include discounts for anti-theft, defensive driver, bundle, driver training, air bag, and vehicle fuel type.

If you want affordable auto insurance quotes, ask every insurance company to give you their best rates. Some of the discounts discussed earlier might not apply in your area.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help highlight if your situation might need professional guidance.

• Are my friends covered when driving my 2008 Ford F-350 Super Duty?
• Does insurance cover damages from a DUI accident?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does coverage extend to a rental car in a foreign country?
• When should I buy a commercial auto policy?
• Can I still get insurance after a DUI?
• Is a fancy paint job covered?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Eight factors that affect insurance rates

Smart consumers have a good feel for the rating factors that aid in calculating auto insurance rates. When you know what positively or negatively determines premiums, this helps enable you to make changes that will entitle you to lower rates. Many different elements are part of the calculation when you get a price on insurance. Some factors are common sense such as your driving record, although some other factors are more transparent such as whether you are married and annual miles driven.

• Tickets can increase costs – Drivers with clean records receive lower rates than people who have multiple driving citations. Having a single speeding ticket may increase your cost twenty percent or more. Drivers unfortunate enough to have severe citations like DWI, reckless driving or hit and run convictions may be required to maintain a SR-22 with their state’s licensing department in order to drive a vehicle legally.
• Protect yourself with liability insurance – Liability insurance is the coverage that protects you if ever you are ruled to be at fault for causing damage or personal injury in an accident. It will provide for a legal defense starting from day one. It is affordable coverage as compared to coverage for physical damage, so do not cut corners here.
• Consolidate policies and save – Lots of insurance companies afford a discount to people that have more than one policy such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, consumers should still comparison shop to guarantee you are still saving the most.
• Deter vehicle theft – Selecting a car model that has a built-in theft deterrent system can help lower your premiums. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft and help lower rates.
• What are your coverage deductibles? – Physical damage protection, otherwise known as comp (or other than collision) and collision, protects your Ford from damage. Some examples of covered claims would be a dented fender, damage caused by hail, and windstorm damage. Your deductibles state the amount of money you are required to pay before your auto insurance pays a claim. The more you are required to pay out-of-pocket, the bigger discount you will receive for F-350 Super Duty insurance.
• Don’t cancel your policy without a new one in place – Driving any period of time without insurance can get your license suspended and any future policy may cost more because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, being ticketed for driving with no insurance could result in a hefty fine and possibly a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Does insurance cost more for males? – Statistics have proven that women are safer drivers than men. This data doesn’t prove that women are better drivers. Women and men are in auto accidents in similar numbers, but the males have costlier accidents. Men also statistically have more aggressive citations like reckless driving and DUI. Teenage male drivers have the highest risk to insure and therefore pay the highest rates.
• Do you really need to file that claims? – Auto insurance companies award discounts to people who are claim-free. If you’re an insured who likes to file claims you can expect either policy cancellation or increased premiums. Your car insurance is intended for claims that you cannot pay yourself.

Insurance companies are expert advertisers

Consumers can’t ignore all the ads for insurance savings from the likes of Progressive, Geico, Allstate and State Farm. All the companies make the same claim that you can save if you change to them.

How is it possible that every company can claim to save you money? It’s all in the words they use.

All the different companies have a certain “appetite” for the right customer that will most likely be profitable. For instance, this type of insured might be described as over the age of 40, carries high limits, and drives a vehicle with a low ISO rating. Anyone who matches those parameters gets the lowest rates and will probably save a lot of money.

Drivers who cannot meet this stringent profile must pay more expensive rates which leads to the customer buying from someone else. The wording the ads use say “customers who switch” not “everyone that quotes” save that much money. That’s why companies can advertise the savings. This illustrates why you need to get as many free auto insurance quotes as possible. It’s not possible to predict with any certainty which company will have the lowest rate quotes.

Educate yourself about auto insurance coverages

Learning about specific coverages of auto insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage pays for damage to your F-350 Super Duty from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, scraping a guard rail, colliding with a tree, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from a tornado or hurricane and fire damage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Ford F-350 Super Duty.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability car insurance

Liability insurance can cover damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like medical expenses, loss of income, structural damage and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage pay for bills like doctor visits, surgery, ambulance fees and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Have money to burn

When searching for cheaper auto insurance quotes, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where someone dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Consumers who switch companies do it for a number of reasons such as being labeled a high risk driver, lack of trust in their agent, poor customer service and high rates after DUI convictions. Whatever your reason, finding a new company is not as difficult as it may seem.

You just learned a lot of tips how to get a better price on 2008 Ford F-350 Super Duty insurance. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. You may be surprised to find that the biggest savings come from a smaller regional carrier.

For more information, link through to the following helpful articles:

• Crash Avoidance Technologies FAQ (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Understanding your Policy (NAIC.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)