Compare 2010 Ford F-450 Super Duty Car Insurance Rates

Consumers have lots of choices when looking for affordable Ford F-450 Super Duty insurance. They can either spend hours contacting agents to compare prices or save time using the internet to compare rates. There is a better way to compare car insurance rates so you’re going to learn the quickest way to price shop coverage on a Ford and locate the lowest price from local insurance agents and online providers.

If you have a policy now or need a new policy, you can use this information to find the best rates and still get good coverage. This article will let you in on how to get online quotes and some tricks to saving. Drivers just need to know the proper way to buy auto insurance over the internet.

The easiest way to compare rate quotes utilizes the fact most of the larger companies participate in online systems to give rate comparisons. To get started, all you need to do is provide a small amount of information including the type of vehicles you drive, if you have a valid license, how much school you completed, and how you use your vehicles. Your information is then submitted to multiple different insurance companies and you receive quotes almost instantly.

The ad said I’d save $460 a year!

Consumers get pounded daily by advertisements for cheaper insurance coverage from the likes of Progressive, GEICO, Allstate and State Farm. All the ads state the claim of big savings if you move to them.

That’s great but how can every company offer drivers better rates?

Different companies have a preferred profile for the driver that will add to their bottom line. One example of this type of insured should be between the ages of 30 and 50, has no prior claims, and drives less than 5,000 miles a year. Any person that matches those criteria gets the lowest prices as well as pay quite a bit less when switching companies.

Consumers who don’t measure up to those standards may receive higher premiums and this results in the customer not buying. The ads state “customers who switch” not “all people who quote” save that kind of money. That’s why insurance companies can confidently make those claims. Because of this risk profiling, you need to compare free auto insurance quotes often. It’s just not possible to know which company will have the best car insurance rates for your profile.

Use discounts to get cheaper auto insurance quotes

Some insurance providers don’t always advertise every available discount very well, so the list below gives a summary of some of the more common as well as the least known credits that you can use to lower your rates.

  • Senior Discount – Older drivers may receive a discount up to 10% on F-450 Super Duty insurance.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you can avoid the installment charge.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on F-450 Super Duty insurance as compared to drivers with claims.
  • Active Military Service – Being deployed with a military unit could be rewarded with lower auto insurance rates.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

Popular auto insurance companies and some of the premium reductions they offer are included below.

  • Progressive may have discounts that include good student, multi-vehicle, homeowner, online quote discount, online signing, continuous coverage, and multi-policy.
  • The Hartford offers discounts including good student, defensive driver, driver training, vehicle fuel type, bundle, and anti-theft.
  • Mercury Insurance has discounts for anti-theft, ease of repair, professional/association, multi-policy, location of vehicle, type of vehicle, and age of vehicle.
  • GEICO policyholders can earn discounts including multi-policy, anti-theft, multi-vehicle, air bags, and federal employee.
  • AAA may include discounts for education and occupation, pay-in-full, good driver, AAA membership discount, multi-car, multi-policy, and good student.
  • State Farm has savings for Drive Safe & Save, defensive driving training, good driver, safe vehicle, student away at school, and driver’s education.

If you are trying to find cheaper auto insurance quotes, ask all the companies which discounts you qualify for. Some discounts listed above may not apply to policies in your area. To see a list of auto insurance companies with the best discounts, click this link.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions might point out whether you might need an agent’s assistance.

  • What happens if I owe more than my 2010 Ford F-450 Super Duty is worth?
  • When would I need rental car insurance?
  • Where can I find high-risk insurance?
  • How high should deductibles be on a 2010 Ford F-450 Super Duty?
  • What can I do if my company denied a claim?
  • Am I covered if I drive in a foreign country?
  • Does my car insurance cover rental cars?
  • What is UM/UIM insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Learn about insurance coverages for a 2010 Ford F-450 Super Duty

Understanding the coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Auto collision coverage

This will pay to fix damage to your F-450 Super Duty resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, hitting a mailbox, crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for X-ray expenses, rehabilitation expenses and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford F-450 Super Duty.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability coverages

This coverage provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as funeral expenses, structural damage, repair bills for other people’s vehicles, court costs and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, fire damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Have money to burn

When getting auto insurance quotes online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability coverage limits to discover at claim time that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

Discount 2010 Ford F-450 Super Duty insurance is available online as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers may not have the ability to get quotes online and these regional carriers only sell coverage through independent insurance agencies.

We covered some good ideas how to lower your 2010 Ford F-450 Super Duty insurance prices. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the biggest savings come from an unexpected company.

Even more information can be found at these sites:

Comments About 2010 Ford F-450 Super Duty Insurance

  1. Lola Gillespie

    Live in Gaithersburg, MD. Got rates from 21st Century, AAA, Farmers, and Hanover for my F-450 Super Duty and I think I cut my rates about $50 each month.

  2. Marietta Leon

    I’m from Kansas City, Missouri. Quoted with AIG Insurance, Nationwide, and a few others for my Ford and I think I saved around $40 each month.

  3. Tari Frederick

    Cheap car insurance? What’s that? Checking in from Jackson, MS. Got rates from Mercury, Esurance, State Farm, and Auto-Owners for my Ford and I’m now saving $39 a month. Good multi-policy discounts. I got a quote from their website.

  4. Nana Kline

    IT’S ALL TOO EXPENSIVE! I’m in the west part of New York City, New York. I quoted with 21st Century, Esurance, and The General for my F-450 Super Duty and cut my rates about $220 a year. Insured with Erie before. Might find lower rates online.

  5. Linette Richards

    Will Progressive raise rates for a windshield claim?

  6. Deadra Mosley

    It’s all a rip off. Found cheapest coverage with Progressive for my 2010 Ford F-450 Super Duty and cut my rates about $140 a year. Good savings if you bundle.

  7. Jacquiline Randolph

    Good site, thanks. Went with USAA for my Ford and cut my rates about $250 a year. Insured with Nationwide before. They have free quotes online.

  8. Rayna Hopkins

    For me, GEICO was by far the cheapest in Aberdeen, SD.