Save on 2012 Ford F-350 Super Duty Insurance Quotes

Searching for the cheapest car insurance rates for your Ford F-350 Super Duty? Are you drained from scraping the payment together to pay your car insurance bill each month? You are in the same boat as most other people. Popular companies such as Progressive, State Farm and Geico promote their brand names with advertising and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.

How to buy insurance coverage online

Finding cheaper insurance coverage rates is pretty simple and can save money. Just invest a few minutes comparing rates from some recommended companies. This can easily be done using a couple different methods.

1. One of the simplest ways to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This style of form saves time by eliminating separate quotation requests to each individual insurance coverage company. One simple form will return quotes from insurance coverage companies with the best prices.
2. A harder way to find more affordable insurance consists of visiting the website for every company you want to comare and request a quote. For sake of this example, we’ll pretend you want to compare Nationwide, State Farm and Allstate. You would need to go to each individual site to input your insurance information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
3. The final way to shop rates is calling or driving to insurance agents’ offices. Quoting online eliminates the need for an insurance agent unless you require the trained advice of a licensed agent. Drivers can obtain prices from the web but buy from a local insurance agent.

The method you choose is up to you, but ensure you are comparing identical coverage information with every price quote. If you compare higher or lower deductibles it’s impossible to make an equal comparison.

Do you qualify for discounts?

Some companies don’t necessarily list every policy discount very clearly, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online.

• Military Discounts – Being deployed in the military could be rewarded with lower car insurance rates.
• Save with More Vehicles Insured – Drivers who insure multiple cars or trucks with one company can reduce rates for all insured vehicles.
• Accident Free – Claim-free drivers have much lower rates in comparison to frequent claim filers.
• Passive Restraints – Factory options such as air bags could see savings up to 30%.
• Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and earn discounts up to 10% off your insurance quote.
• Good Grades Discount – A discount for being a good student may save you up to 25%. Many companies even apply the discount to college students until age 25.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, you aren’t that lucky.

Larger car insurance companies and some of their more popular discounts include:

• Progressive may include discounts for continuous coverage, multi-policy, online signing, multi-vehicle, good student, and homeowner.
• The Hartford offers premium reductions for bundle, vehicle fuel type, good student, air bag, anti-theft, and driver training.
• Mercury Insurance has savings for good driver, location of vehicle, accident-free, anti-theft, ease of repair, type of vehicle, and multi-car.
• Geico includes discounts for membership and employees, multi-vehicle, good student, anti-lock brakes, and anti-theft.
• AAA may have discounts that include multi-car, good driver, multi-policy, AAA membership discount, education and occupation, good student, and pay-in-full.
• State Farm offers discounts including safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, student away at school, anti-theft, multiple autos, and passive restraint.

Before you buy a policy, ask every company how many discounts you can get. Savings might not be offered in your area. To view providers that offer discounts, click here.

Don’t assume everyone needs the same insurance coverage

When buying the best insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Am I covered if I hit a deer?
• What can I do if my company won’t pay a claim?
• Will I lose any money if I cancel my policy before it expires?
• Should I have combined single limit or split liability limits?
• How can I get high-risk coverage after a DUI?
• Do I have coverage when making deliveries for my home business?
• Is motorclub coverage worth it?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverage specifics

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average auto insurance policy.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, damage from flooding, a tree branch falling on your vehicle, hail damage and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage pay for bills for things like dental work, X-ray expenses and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Liability insurance

This protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like legal defense fees, loss of income and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, hitting a mailbox, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Ford F-350 Super Duty.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.