How Much Does 2011 Ford F-350 Super Duty Insurance Cost?

Expensive Ford F-350 Super Duty insurance can diminish your funds and possibly require postponing other expenditures. Shopping your coverage around can lower your rates and help to reduce premiums and put more money in your pocket.

Online insurance companies like Progressive, Geico and Farmers Insurance increase brand awareness with catchy ads and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

How to shop insurance coverage online

Lowering your 2011 Ford F-350 Super Duty insurance coverage rates is pretty simple and can save money. You just need to spend a little time to compare rate quotes to discover which company has inexpensive auto insurance quotes. Shoppers can get rates using a couple different methods.

• The fastest way to find the lowest comparison rates is a comparison rater form click to view form in new window. This method prevents you from having to do a different quote for every insurance coverage company. A single, simple form gets insurance cost estimates instantly.
• A different way to find better pricing requires a trip to the website of each company and complete a new quote form. For instance, we’ll pretend you want to compare prices for Auto-Owners, Allstate and State Farm. To do that, you would have to visit each site and type in your information over and over, which can get rather old. For a list of companies in your area, click here.
• The most difficult way to do your price quoting is driving around to all the different insurance agencies. The ability to get quotes online reduces the need to sit down with an agent unless you require the trained guidance of a local agency. If you prefer, some companies allow you to find lower rates online and have a local agent actually service the policy.

It doesn’t matter which method you choose, just ensure you’re using nearly identical coverages for each quote you get. If you have different data it’s not possible to make a fair comparison for your Ford F-350 Super Duty.

Reduce your insurance rates with discounts

Insurance is neither fun to buy or cheap, but there’s a good chance there are discounts that can drop the cost substantially. Some discounts apply automatically at the time you complete a quote, but some need to be asked for prior to receiving the credit.

• Multiple Vehicles – Buying a policy with more than one vehicle with one company can reduce the rates for all insured vehicles.
• Good Student – Excelling in school can save 20 to 25%. You can use this discount normally well after school through age 25.
• Senior Citizen Rates – Drivers over the age of 55 may qualify for a small discount on rates for F-350 Super Duty coverage.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and that can save you a little bit as well.
• Low Mileage Discounts – Keeping the miles down on your Ford can qualify you for slightly better rates than normal.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

The best insurance companies and a selection of discounts can be read below.

• AAA offers premium reductions for multi-car, education and occupation, good student, AAA membership discount, good driver, and anti-theft.
• Progressive may include discounts for good student, homeowner, multi-policy, multi-vehicle, and online quote discount.
• State Farm may offer discounts for Steer Clear safe driver discount, defensive driving training, student away at school, multiple autos, anti-theft, and passive restraint.
• Esurance may have discounts that include safety device, online quote, Pac-12 alumni, homeowner, online shopper, and paid-in-full.
• Nationwide has savings for Farm Bureau membership, good student, business or organization, easy pay, defensive driving, and multi-policy.

Before buying, ask every insurance company to apply every possible discount. Discounts may not apply to policyholders in your area. For a list of insurance companies offering insurance discounts, click here to view.

You are unique and your auto insurance should be too

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether you will benefit from professional help.

• What is covered by UM/UIM coverage?
• I have health insurance so do I need medical payments coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• How do I file an SR-22 for a DUI in my state?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Why am I required to buy liability insurance?
• Does my policy cover my teen driver if they drive my company car?
• Is upholstery damage covered by car insurance?
• Are all vehicle passengers covered by medical payments coverage?
• Should I have a commercial auto policy?

If it’s difficult to answer those questions, 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 or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverage options for a Ford F-350 Super Duty

Understanding the coverages of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by car insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. 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 theft, hitting a deer, a tree branch falling on your vehicle and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

This coverage can cover damage that occurs to people or other property. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as bail bonds, emergency aid, attorney fees, funeral expenses and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford F-350 Super Duty.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses like dental work, EMT expenses, X-ray expenses and ambulance fees. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, scraping a guard rail, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Be a smart shopper

When getting auto insurance quotes online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability limits or collision coverage and learned later that it was a big error on their part. The proper strategy is to find the BEST coverage at the best price and still be able to protect your assets.

In this article, we covered a lot of tips how to lower your 2011 Ford F-350 Super Duty insurance prices. The key thing to remember is the more times you quote, the better likelihood of getting low cost auto insurance. You may be surprised to find that the most savings is with a smaller regional carrier. They may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

More detailed auto insurance information is available by following these links:

• Prom Night Tips for Teen Drivers (State Farm)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Auto Theft Statistics (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)