Cheaper 2016 Ford F-350 Super Duty Car Insurance Quotes

Finding cheaper insurance for a new or used Ford F-350 Super Duty can be an all-consuming task, but you can follow our auto insurance buying tips to make it easier.

There is a right way and a wrong way to buy auto insurance and we’ll show you the quickest way to quote coverages for your Ford and locate the cheapest rates.

Smart consumers take time to price shop coverage periodically because prices fluctuate regularly. Even if you think you had the lowest rate on F-350 Super Duty insurance last year you can probably find a better premium rate now. There are lots of tips to save on auto insurance on the web, but in a few minutes you can learn some good information on how to lower your auto insurance rates.

Locating the best car insurance is easy if you know what you’re doing. If you have a current car insurance policy or are looking for a new policy, you can follow these tips to find better prices and still get good coverage. Vehicle owners only need to know the proper methods to compare rates online.

Shop auto insurance online

Effectively comparing auto insurance prices can take hours if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can utilize online quoting for quick rates.

Many of the larger companies enroll in a system where prospective buyers submit one quote, and at least one company then gives them pricing for coverage. This prevents consumers from doing quote requests to each individual auto insurance company.

To compare pricing click here (opens in new window).

The one downside to comparing rates this way is you cannot specify the companies to get quotes from. If you wish to select individual companies to compare prices, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

Which method you use is up to you, but try to use the same quote information on every quote. If you have higher or lower deductibles then you won’t be able to determine the lowest rate for your Ford F-350 Super Duty.

Cut insurance costs with these tips

Lots of things are used in the calculation when quoting car insurance. Some are obvious like your driving record, although others are more obscure such as whether you are married or your vehicle rating.An important part of buying insurance is that you know some of the elements that help determine the price you pay for insurance. If you understand what determines premiums, this allows you to make educated decisions that may result in lower insurance prices.

The factors shown below are a few of the things companies use to determine your premiums.

  • Rates can drop if you have more than one policy – Most major insurers apply lower prices to buyers who have multiple policies with them. It’s known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even if you’re getting this discount you still need to compare other insurance prices to help guarantee you have the best rates.
  • What’s your car’s safety rating? – Vehicles with high crash test scores tend to be cheaper to insure. Safer cars reduce injuries and fewer injuries means lower claim amounts which can mean better rates for you. If your Ford scored better than four stars on it may cost less to insure.
  • Younger drivers pay higher premiums – Teen drivers are statistically shown to be inattentive and easily distracted in a vehicle so they pay higher insurance rates. Adding a young driver to your insurance policy can increase premiums substantially. Mature drivers tend to be more responsible, cause fewer claims and accidents and are safer drivers.
  • Use but don’t abuse your insurance – If you are a frequent claim filer, you can expect either higher rates or even cancellation. Companies generally give discounts to insureds who do not rely on their insurance for small claims. Auto insurance is designed for claims that pose a financial burden.
  • Gender as a rate factor – Over the last 50 years, statistics have shown that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Females and males tend to get into at-fault accidents in similar numbers, but men cause more damage. Men also get cited for more serious violations such as reckless driving.
  • Comp and collision deductibles are a factor – Comprehensive and collision coverage deductibles define the amount you are willing to pay if a claim is determined to be covered. Protection for physical damage, also called ‘full coverage’, is used to repair damage to your car. A few examples of covered claims are a windshield broken by a bird, damage caused by hail, and damage caused by road hazards. The larger the amount you choose to pay out-of-pocket, the lower your rates will be on F-350 Super Duty insurance.
  • How much liability – Liability insurance is the protection in the event that you are ruled to be at fault for physical damage or personal injury to other. Your liability coverage provides for a legal defense to defend your case. This coverage is relatively inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Lower your insurance rates with discounts

Insurance can be pricey, but there’s a good chance there are discounts that could help you make your next renewal payment. A few discounts will automatically apply when you quote, but less common discounts must be specially asked for in order for you to get them.

  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on F-350 Super Duty insurance depending on your company.
  • Discounts for Multiple Vehicles – Drivers who insure more than one vehicle on one policy qualifies for this discount.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Professional Organizations – Having an affiliation with a professional or civic organization could qualify you for a break when getting a auto insurance quote.
  • Data Collection Discounts – Drivers that enable their insurance company to monitor driving manner by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they are good drivers.
  • Home Ownership Discount – Simply owning a home can earn you a little savings because it demonstrates responsibility.
  • First Accident Forgiveness – Not really a discount, but companies like Progressive, Allstate, and Liberty Mutual may permit one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Discount for Good Grades – Being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.

Drivers should understand that most discounts do not apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A partial list of companies who might offer most of these discounts include:

Check with each company or agent which discounts they offer. Some discounts may not be available in your area. If you would like to see a list of insurance companies who offer online insurance quotes, click here to view.

You are unique and your auto insurance should be too

When choosing coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether or not you may require specific advice.

  • How can I get my company to pay me more for my totalled car?
  • How much liability coverage do I need in my state?
  • Am I covered if I hit a deer?
  • Am I covered when pulling a rental trailer?
  • Do I have coverage if my license is suspended?
  • When can my company non-renew my policy?
  • What are the financial responsibility laws in my state?
  • How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Auto insurance coverages

Understanding the coverages of auto insurance can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants 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 very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses for doctor visits, ambulance fees and prosthetic devices. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Liability coverage

This will cover injuries or damage you cause to other’s property or people. It protects YOU from claims by other people. 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 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like funeral expenses, medical expenses and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Collision protection

Collision insurance will pay to fix damage to your F-350 Super Duty resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, hitting a bird and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Shop around and save

We just presented a lot of ways to shop for 2016 Ford F-350 Super Duty insurance online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest car insurance rates are with a company that doesn’t do a lot of advertising.

Drivers leave their current company for any number of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, denial of a claim or even questionable increases in premium. No matter why you want to switch, finding a great new company can be easier than you think.

Some insurance companies do not provide rates over the internet and these smaller providers sell through independent agents. Cheap 2016 Ford F-350 Super Duty insurance is available both online and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

Much more information about insurance can be found at these links:

Comments About 2016 Ford F-350 Super Duty Insurance

  1. Ginny Crawford

    I’m in the suburbs of Dallas, Texas. Got prices from Progressive, Hartford, and Encompass for my F-350 Super Duty and saved $433 a year.

  2. Jackson Rocha

    I live east of West Valley City, Utah. Checked online prices for a 2016 Ford F-350 Super Duty. Ended up at about $260 savings annually. Went with GEICO. Switched homeowners coverage too. I used their website to get prices.

  3. Mae Sweet

    Not sure if this is cheap. From a town just southwest of Seattle, WA. Got car insurance prices from GEICO, American Family, and Encompass for my Ford and saved $465 a year.

  4. Yung Montoya

    Will State Farm raise rates if I file a claim?

  5. Josphine Fuentes

    Anyone compare GEICO and State Farm rates in Burlington, VT?

  6. Valene Cochran

    I’m just north of Kailua, Hawaii and for me Allstate had the lowest quote. I used their online quote form to compare rates.

  7. Lavon Flynn

    GEICO is decent in Henderson, Nevada.

  8. Eula Greer

    Does Minnesota have minimum liability laws?

  9. Vennie Cummings

    Anyone buy from Auto-Owners? I’m in Fort Wayne, Indiana.

  10. Jolie Livingston

    I got quite a few price quotes for a 2016 Ford F-350 Super Duty in Fairbanks, Alaska. Ended up at roughly $570 every six months with Amica. Left Auto-Owners to switch. It was easy to get rates.

  11. Santos Riggs

    I live in Charlotte, North Carolina. Quoted with AAA, Mercury, and USAA for my Ford and saved just over $400 a year. I get a discount for insuring multiple vehicles. Not sure if rates are cheaper online or not.