2016 Ford F-450 Super Duty Car Insurance Quotes

Want the cheapest insurance coverage rates for your Ford F-450 Super Duty? Trying to find the cheapest insurance for a Ford F-450 Super Duty can turn out to be an all-consuming task, but you can use our insurance coverage buying tips and make it easy.

There is a better way to compare insurance coverage rates and you need to know the best way to price shop coverage for your Ford and get the best price possible from local insurance agents and online providers.

It is always a good idea to get comparison quotes yearly due to the fact that insurance rates tend to go up over time. Even if you think you had the best premium rates on F-450 Super Duty insurance six months ago you will most likely find a better price today. Ignore everything you know about insurance coverage because you’re about to learn the quickest way to reduce your cost while increasing coverage.

If you have a current insurance policy or need new coverage, you can use these tips to find the best rates and still get good coverage. Shopping for affordable insurance coverage is not that difficult. Consumers only need to know the tricks to get comparison quotes over the internet.

Discounts can really help lower premiums

Insurance can be prohibitively expensive, but there could be significant discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be asked about before you get the savings.

  • Theft Deterent – Cars with anti-theft systems are stolen less frequently and will qualify for a discount on a car insurance quote.
  • Multi-line Discount – Insurance companies who offer life insurance give lower rates if you buy some life insurance too.
  • Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and leave their car at home may be able to be covered for less.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower prices on the low mileage vehicles.
  • Senior Discount – Seniors could receive a discount up to 10% on F-450 Super Duty insurance.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, nobody gets a free ride.

A list of companies and a selection of discounts are detailed below.

  • Progressive may have discounts that include continuous coverage, homeowner, online signing, good student, multi-policy, and multi-vehicle.
  • AAA policyholders can earn discounts including multi-policy, good driver, AAA membership discount, multi-car, and education and occupation.
  • Farmers Insurance offers discounts including good student, teen driver, pay in full, business and professional, switch companies, and homeowner.
  • GEICO may include discounts for emergency military deployment, membership and employees, good student, military active duty, multi-policy, and seat belt use.
  • Esurance offers discounts for Pac-12 alumni, online shopper, Switch & Save, renters, defensive driver, and DriveSense.
  • SAFECO offers premium reductions for accident prevention training, teen safety rewards, anti-theft, multi-car, drive less, and anti-lock brakes.
  • State Farm has discounts for multiple autos, accident-free, good student, Steer Clear safe driver discount, and driver’s education.

When comparing rates, check with all the companies to apply every possible discount. Some of the discounts discussed earlier may not apply in your area.

Compare quotes for insurance coverage

Performing a rate comparison is a ton of work if you don’t know the easiest way. You can spend your afternoon driving to insurance companies in your area, or you could save time and use online quoting to get prices fast.

Many of the larger companies belong to a marketplace that enables customers to submit one quote, and every company returns a competitive quote based on that data. This prevents consumers from doing repetitive form submissions to each individual insurance coverage company.

To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to comparing rates this way is you don’t know exactly which companies to get quotes from. So if you want to select individual companies to compare prices, we put together a list of companies who write insurance coverage in your area. Click to view list.

However you get your quotes, make sure you are using the exact same quote data for each quote you get. If you compare mixed coverages it will be nearly impossible to determine which company has the best rates.

Learn how to lower your insurance costs

Many things are considered when you get your auto insurance bill. Most are fairly basic like an MVR report, but some are not as apparent such as your credit history or how safe your car is.

  • More miles driven equals more premium – The more you drive your Ford in a year the higher your rates will be. Many insurance companies charge to insure your cars based on how the vehicle is used. Vehicles that do not get driven very much get more affordable rates than those that get driven frequently. An incorrectly rated F-450 Super Duty may be costing you higher rates. It’s always a good idea to double check that your declarations sheet states the right rating data.
  • Consolidating policies can get discounts – The majority of auto insurance companies provide lower prices to insureds that have more than one policy, otherwise known as a multi-policy discount. This can amount to ten percent or more. If you currently are using one company, you still need to compare other company rates to guarantee you are still saving the most.
  • Premiums are affected by your credit rating – Having a bad credit history is a big factor in calculating your premium rate. Insureds that have very high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit scores. So if your credit history leaves room for improvement, you could pay less to insure your 2016 Ford F-450 Super Duty by improving your credit score.
  • Save money by eliminating incidental coverages – There are a ton of extra bells and whistles that you can buy on your 2016 F-450 Super Duty policy. Coverages for coverage for rental cars, accident forgiveness, and term life insurance are some examples. The coverages may be enticing when deciding what coverages you need, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Deter car thieves – Choosing to buy a car that has an advanced theft prevention system can help bring down rates. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your car from being stolen.
  • Your location is a factor – Living in smaller towns and rural areas of the country has definite advantages when trying to find low car insurance rates. People who live in big cities regularly have more auto accidents and more time behind the wheel. Fewer drivers means reduced accidents and also fewer theft and vandalism claims.

Will just any policy work for me?

When choosing the best insurance coverage, there is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • Is my ex-spouse still covered by my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • I have health insurance so do I need medical payments coverage?
  • Is my Ford F-450 Super Duty covered if I use it for business?
  • What is the difference between comprehensive and collision coverage?
  • What is covered by UM/UIM coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I still get insurance after a DUI?
  • Do I need PIP coverage since I have good health insurance?
  • Is my trailer covered?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Specifics of your auto insurance policy

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, damage from getting keyed, a tree branch falling on your vehicle and falling objects. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

Liability coverage will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as structural damage, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills for things like chiropractic care, X-ray expenses, doctor visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This pays for damage to your F-450 Super Duty caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, sustaining damage from a pot hole, crashing into a ditch, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Ford F-450 Super Duty.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Quote more, save more

When searching for inexpensive car insurance quotes, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at a price you can afford.

Some insurance providers do not provide online quoting and most of the time these small, regional companies only sell coverage through local independent agents. More affordable insurance coverage can be purchased from both online companies in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture.

We covered a lot of tips how to shop for 2016 Ford F-450 Super Duty insurance online. The key concept to understand is the more rate quotes you have, the better likelihood of getting inexpensive car insurance. Consumers may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

Additional insurance coverage information can be found below:

Comments About 2016 Ford F-450 Super Duty Insurance

  1. Robena Gardner

    I got quite a few price quotes for a 2016 Ford F-450 Super Duty in Nashua, New Hampshire. Ended up at roughly $480 every six months with American Family. Was with AAA. I get lower rates because of my clean driving record. Wish I didn’t have to insure at all.

  2. Marine Kim

    I’ve insured with State Farm for a long time. Pretty cheap in Tucson, Arizona.

  3. Cleopatra Watkins

    21st Century is decent in New Orleans, LA.

  4. Marilu Bray

    Is Allstate cheaper than Auto-Owners in Owensboro, KY?

  5. Marc Irwin

    Not sure what I should be paying. I’m in the suburbs of Tacoma, Washington. Quoted quotes from Allstate, AIG Insurance, and some I forget for my Ford and saved just over $210 a year.

  6. Hue Holden

    I live on the east side of Fayetteville, AR. Got car insurance quotes with Progressive, Auto-Owners, and some I forget for my F-450 Super Duty and saved $315 a year. I have kids on my policy, too. Did it all online.

  7. Elane Holt

    Will Allstate cancel my policy for a liability claim?

  8. Janey Whitfield

    Just my two cents. I live on the south side of Warwick, Rhode Island. I got free quotes from Amica, Sentry, and some smaller one I can’t remember the name of for my F-450 Super Duty and I’m now saving $43 a month.

  9. Antione Young

    I live just outside Las Cruces, New Mexico. Can’t remember who all I quoted but I ended up saving about $40 each month. Left USAA to switch. Might find lower rates online.

  10. Sadye Cotton

    I live south of Albuquerque, NM. Quoted rates from Amica, Nationwide, and a few others for my F-450 Super Duty and I’m now saving $35 a month.

  11. Maegan Bishop

    Any claims experience with State Farm in Aberdeen, SD?

  12. Brittany Luna

    Well-written and thought out article. From Colorado Springs, CO. I compared lots of rates. Saved darn near $20 a month. Allstate was the most affordable for me.

  13. Geneva Anderson

    Got pretty cheap 2016 Ford F-450 Super Duty insurance from 21st Century in Omaha, NE.

  14. Anh Spence

    I was with Hartford last year but switched to Allstate. I’m from Cranston, RI. I get a discount for insuring multiple vehicles.