Searching for the cheapest auto insurance rates for your Ford F-350 Super Duty? Are you at wits end from not being able to afford to pay your auto insurance bill each month? You are no different than the majority of other vehicle owners.
Due to the increasing number of companies to choose from, it can be impossible to choose the best company.
You should make it a habit to compare premium rates periodically because insurance prices tend to go up over time. Just because you found the lowest rates on F-350 Super Duty insurance last year you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in one of the quickest ways to remove unneeded coverages and save money.
Many factors are used in the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, but others are more transparent like where you live or how financially stable you are.Part of the insurance coverage buying process is learning the different types of things that help calculate your premiums. If you have some idea of what controls the rates you pay, this allows you to make good choices that may reward you with lower rates.
The itemized list below are some of the factors used by companies to determine rates.
Car insurance companies don’t necessarily list every discount they offer very well, so the following is a list of both well-publicized as well as the least known insurance savings.
You should keep in mind that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates you could get a free insurance policy, nobody gets a free ride.
Auto insurance companies that may offer quotes with most of these discounts include:
Check with every company which discounts can lower your rates. Some discounts may not apply to policies in your area. If you would like to choose from a list of providers with discount rates, click here.
Well-known auto insurance companies like Allstate, Geico and Progressive regularly use ads in print and on television. All the ads advertise claims of big savings if you move to them. How does every auto insurance company cost less than your current company? It’s all in the numbers.
All the different companies have an ideal profile for the driver that will be a good risk. For example, a profitable insured could possibly be between 25 and 40, has no prior claims, and drives a vehicle with a low ISO rating. Anyone who meets those qualifications will qualify for the lowest car insurance rates and most likely will save if they switch.
Insureds who fall short of these criteria will probably have to pay more expensive rates and this can result in the customer buying from a different company. The trick companies use is to say “customers who switch” not “everybody who quotes” save that much when switching. That’s the way insurance companies can advertise the way they do.
Each company has different criteria, so you should do a price quote comparison at every renewal. It is impossible to guess which insurance companies will give you lower rates than your current company.
When choosing adequate coverage, there is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine if you might need professional guidance.
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
Understanding the coverages of a auto insurance policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages offered by auto insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford F-350 Super Duty.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are set the same as your liablity limits.
Collision – This coverage will pay to fix damage to your F-350 Super Duty caused by collision with an object or car. 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, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.
Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for short-term medical expenses such as funeral costs, X-ray expenses, EMT expenses and surgery. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible
Comprehensive auto coverage – Comprehensive insurance will pay to fix 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 coverage pays for claims like hitting a bird, rock chips in glass and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability coverage – This coverage will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers claims like emergency aid, funeral expenses, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
We just showed you a lot of techniques to compare 2017 Ford F-350 Super Duty insurance car insurance rates online. The key thing to remember is the more companies you get premium rates for, the better likelihood of getting low cost auto insurance. Drivers may discover the lowest car insurance rates come from some of the lesser-known companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.
When getting auto insurance quotes online, never skimp on coverage in order to save money. There are too many instances where someone dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at a price you can afford.
Will State Farm cancel me if I have an accident?
If you’re from San Jose, CA get quotes from Allstate and GEICO and you might save.
From Charleston, West Virginia. Quoted prices from USAA, American Family, Hartford, and Nationwide for my 2017 Ford F-350 Super Duty and I think I saved around $50 each month.
Does Allstate use ACV or replacement cost?
Got pretty cheap 2017 Ford F-350 Super Duty insurance from GEICO in Rio Rancho, NM.
Well-written and thought out article. I live north of North Charleston, SC. Compared quite a few companies. Saved right around $70 a month. GEICO was the cheapest for me. Insured with The General before. Good savings if you bundle.
I switched to 21st Century. Quoted good rates in Greensboro, North Carolina. I have a couple other vehicles on the policy. I got a quote from their website.
I’m from Shreveport, Louisiana. Compared rates from a lot of places. Saved about $50 a month. 21st Century was the best choice for me.