How Much Does 2014 Ford F-350 Super Duty Insurance Cost?

Do you think you bought an expensive insurance coverage policy? It’s quite common and many consumers are feeling buyer’s remorse and feel like there’s no way out. Insurance companies such as Geico, Progressive and Allstate constantly blast consumers with advertising and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

If you have a policy now or are just looking to switch companies, you can use this information to find better prices while maintaining coverages. Finding affordable coverage is not rocket science. Consumers just need to know the best way to shop for auto insurance on the web.

Car insurance policy discounts

Some insurance providers don’t necessarily list all possible discounts very clearly, so we break down both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy insurance online. If they aren’t giving you every credit you deserve, you are not getting the best rate possible.

• Professional Memberships – Participating in a professional or civic organization may earn a discount on your next car insurance statement.
• Accident Free – Insureds with no claims or accidents pay much less when compared with drivers with a long claim history.
• Waiver for an Accident – This one isn’t a discount, but companies like State Farm and Allstate will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
• Government Employees – Having worked for a branch of the government could cut as much as 10% off for F-350 Super Duty insurance depending on your company.
• Student in College – Children living away from home attending college without a vehicle on campus may qualify for this discount.
• Discount for Low Mileage – Keeping the miles down on your Ford could be rewarded with discounted premium rates on garaged vehicles.

As a sidenote, most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. Even though it appears all the discounts add up to a free policy, you won’t be that lucky.

A few of the larger companies and a partial list of their discounts can be read below.

• Geico includes discounts for multi-vehicle, multi-policy, federal employee, good student, membership and employees, and five-year accident-free.
• Travelers discounts include driver training, multi-car, student away at school, save driver, good student, early quote, and new car.
• Farm Bureau may have discounts that include renewal discount, good student, multi-vehicle, safe driver, and 55 and retired.
• Liberty Mutual has savings for good student, hybrid vehicle, multi-car, new vehicle discount, new graduate, multi-policy, and safety features.
• American Family has discounts for good student, air bags, accident-free, early bird, good driver, mySafetyValet, and TimeAway discount.
• Progressive offers discounts for multi-vehicle, online signing, homeowner, online quote discount, and continuous coverage.

When comparing rates, check with each company or agent which credits you are entitled to. A few discounts may not be available in your area. If you would like to choose from a list of insurance companies who offer cheap car insurance quotes, follow this link.

Buy insurance online

Cutting your insurance rates is pretty simple and can save money. You just have to invest a few minutes getting comparison quotes from different insurance companies. Shoppers can get rates by using one of the methods below.

• Probably the best way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do separate forms for each company. A single, simple form gets rate comparisons from all major companies.
• A different way to find better pricing is going to each individual company website and go through the quote process again. For instance, let’s assume you want to see prices from Progressive, Geico and Allstate. To find out each rate you need to visit each site and enter your information, which can get old fast.

  To view a list of companies in your area, click here.

How you compare quotes is your choice, just be sure to compare apples-to-apples quote information for every company. If you use unequal deductibles or liability limits it’s impossible to find the best deal for your Ford F-350 Super Duty.

How do I know if I need professional advice?

When buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions can aid in determining if your situation could use an agent’s help.

• Do I need rental car coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• How much liability insurance is required?
• Why do I only qualify for high-risk insurance?
• Are my friends covered when driving my car?
• Do I really need UM/UIM coverage?
• Exactly who is provided coverage by my policy?
• When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions, you may need to chat with 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 is quick, free and may give you better protection.

Car insurance coverage information

Understanding the coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average auto insurance policy.

Liability insurance – Liability coverage protects you from damage that occurs to a person or their property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as pain and suffering, emergency aid, legal defense fees, medical expenses and structural damage. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as surgery, funeral costs, rehabilitation expenses, EMT expenses and ambulance fees. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, a broken windshield, rock chips in glass, damage from flooding and hitting a bird. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – This coverage pays for damage to your F-350 Super Duty from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Power to the consumer

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where an insured dropped liability coverage limits only to find out they didn’t have enough coverage. The proper strategy is to get the best coverage possible for the lowest price, not the least amount of coverage.

You just read some good ideas how you can save on 2014 Ford F-350 Super Duty insurance. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting cheaper insurance. Drivers may discover the lowest premium rates come from the least-expected company. Regional companies can often provide lower prices in certain areas compared to the large companies like Progressive or Geico.

Additional detailed information can be found in the articles below:

• Senior Drivers (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)