Save on 2013 Ford F-450 Super Duty Insurance Cost

Searching for the cheapest car insurance rates for your Ford F-450 Super Duty? Tired of robbing Peter to pay Paul to pay car insurance each month? You are in the same boat as many other vehicle owners.

Lots of insurers contend for your business, so it’s not easy to compare every insurer to find the absolute lowest cost out there.

More affordable rates by taking advantage of discounts

The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. Some trigger automatically when you purchase, but once in a while a discount must be asked about prior to getting the savings. If you check and find you aren’t receiving every discount possible, you could be getting lower rates.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
  • Data Collection Discounts – Policyholders that allow their company to track when and where they use their vehicle by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as the data is positive.
  • Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease on F-450 Super Duty coverage with select insurance companies.
  • Safety Course Discount – Passing a class that teaches defensive driving techniques could save 5% or more and make you a better driver.
  • Homeowners Pay Less – Owning your own home or condo can save you money since home ownership requires a higher level of personal finance.
  • Discount for Swiching Early – A few companies allow discounts for signing up early. You can save around 10% with this discount.
  • Discount for Passive Restraints – Vehicles with factory air bags may earn rate discounts of 20% or more.

Discounts lower rates, but most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

Large insurance companies and their offered discounts are:

  • Farmers Insurance may offer discounts for early shopping, electronic funds transfer, switch companies, bundle discounts, multi-car, and pay in full.
  • State Farm discounts include good student, driver’s education, Steer Clear safe driver discount, anti-theft, defensive driving training, and good driver.
  • Liberty Mutual offers discounts including exclusive group savings, new vehicle discount, multi-car, newly retired, multi-policy, hybrid vehicle, and teen driver discount.
  • MetLife has discounts for good student, defensive driver, multi-policy, good driver, accident-free, and claim-free.
  • Progressive policyholders can earn discounts including continuous coverage, homeowner, multi-vehicle, multi-policy, good student, online signing, and online quote discount.

If you need inexpensive auto insurance quotes, ask each company or agent the best way to save money. Depending on the company, some discounts might not apply in your area. To find insurance companies who offer cheap insurance quotes, click here to view.

Lower insurance rates with these tips

Many things are part of the equation when pricing auto insurance. Some are pretty understandable like your driving record, but others are not quite as obvious like your continuous coverage and annual miles driven.

  • Having a spouse can lower rates – Having a wife or husband may earn you lower rates on your policy. Having a significant other may mean you are more financially stable and statistics show married drivers tend to have fewer serious accidents.
  • A policy lapse can increase premiums – Going without insurance is a fast way to increase your insurance rates. And not only will your rates increase, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Annual mileage and car insurance costs – The higher the miles on your Ford in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based on their usage. Cars and trucks not used for work or commuting get more affordable rates than those used for commuting. Improper usage on your F-450 Super Duty is just wasting money. It’s a good idea to make sure your policy reflects the correct usage.
  • Lower stress equals lower prices – Jobs like military personnel, executives and stock brokers are shown to have the highest average rates because of high stress levels and extremely grueling work hours. Conversely, careers such as farmers, athletes and the unemployed pay lower than average rates on F-450 Super Duty coverage.
  • Lower premiums for cars with good safety ratings – Vehicles with good safety scores get lower rates. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means less claims paid which can result in lower premiums. If your Ford F-450 Super Duty earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Lower comp and collision deductibles cost more – Deductibles for physical damage tell how much you are required to spend out-of-pocket if the claim is covered. Protection for physical damage, also called comprehensive and collision insurance, protects your car from damage. Examples of covered claims are a windshield broken by a bird, collision with a deer, or theft of your vehicle. The larger the amount the insured has to pay upfront, the lower your rates will be on F-450 Super Duty coverage.
  • Bundle policies and save – The majority of companies allow better rates to customers that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s always a smart idea to compare rates to help guarantee you have the best rates.
  • Don’t abuse policy claims – If you are the type of insured that files lots of claims you can look forward to either higher rates or even cancellation. Companies award discounts to drivers who only file infrequent claims. Your car insurance is meant to be used in the event of the large, substantial claims.

How much insurance coverage do I need?

When choosing adequate coverage, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For instance, these questions could help you determine whether you may require specific advice.

  • Does liability extend to a camper or trailer?
  • Why is insurance for a teen driver so high?
  • Do I need more liability coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when driving in Canada or Mexico?
  • Should I sign the liability waiver when renting a car?
  • Is pleasure use cheaper than using my 2013 Ford F-450 Super Duty to commute?
  • What are the best liability limits?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage ads are enticing

Well-known insurance coverage companies like 21st Century, Allstate and State Farm continually stream television, radio, and online ads. They all advertise the message about saving some big amount just by switching your policy. But how can every company lower your premium rates? It’s all in how they say it.

Most companies give the cheapest rates for the type of insured that will add to their bottom line. One example of a driver they prefer should be between the ages of 30 and 45, carries full coverage, and has great credit. Anybody that fits those parameters receive the lowest rate quotes and most likely will cut their rates substantially.

Potential customers who do not meet the ideal profile will be charged more expensive rates and the customer not purchasing. Company advertisements say “customers who switch” not “everybody who quotes” save that much. This is how insurance companies can make those claims. Because of these techniques, it is so important to get a wide range of price quotes. It’s impossible to know which insurance companies will have the best rates at this point in time.

The coverage is in the details

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by auto insurance companies.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Ford F-450 Super Duty.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for expenses like rehabilitation expenses, nursing services, dental work, pain medications and surgery. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – Collision insurance covers damage to your F-450 Super Duty from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a parking meter, driving through your garage door, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Liability auto insurance – This will cover damage or injury you incur to other people or property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like attorney fees, loss of income and structural damage. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Comprehensive protection – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, a tree branch falling on your vehicle and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Money doesn’t grow on trees

A few companies do not provide online rate quotes and most of the time these smaller companies provide coverage only through independent agents. Affordable 2013 Ford F-450 Super Duty insurance is possible from both online companies as well as from independent agents, and you should be comparing both to have the best selection.

We covered quite a bit of information on how to compare 2013 Ford F-450 Super Duty insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like GEICO and State Farm.

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Comments About 2013 Ford F-450 Super Duty Insurance

  1. Julia Brennan

    Nice post. I’m in Idaho Falls, ID. Not sure of all the companies but I ended up saving about $60 each month. I recommend comparing lots of rates.

  2. Remedios Durham

    Not sure if this is cheap. I live just outside Kansas City, MO. Got car insurance quotes from American Family, Erie, and Sentry for my 2013 Ford F-450 Super Duty and saved $281 a year.

  3. Althea Watson

    In Reno, NV compare Allstate with GEICO and see which is best.

  4. Dagny Dillard

    If you’re a decent driver and are close to Worcester, Massachusetts, check out 21st Century. They seem to be cheaper. Left Farmers to switch. I have a couple other vehicles on the policy. It never hurts to quote around.

  5. Dominga Durham

    Compared rates with Progressive and American Family but still pricey.

  6. Shavon Marquez

    Mine is so expensive. Live in the southern part of Little Rock, AR. I compared lots of rates. Saved roughly $50 a month. Allstate was the cheapest option for me.

  7. Valeri Griffin

    Just my two cents. Quoted with Safeco for my Ford and saved about $560 a year. I have several vehicles insured with them. Hardly afford to drive anymore.

  8. Claudine Lancaster

    I compared a lot of rate quotes for a 2013 Ford F-450 Super Duty in New Haven, Connecticut. Ended up at right around $260 every six months with AIG Insurance. I’m a pretty low risk driver. Online quotes are the way to go.