Cheaper 2014 Ford F-350 Super Duty Insurance Rates

Searching for the cheapest car insurance rates for your Ford F-350 Super Duty? Have you had enough of robbing Peter to pay Paul to insure your Ford every month? Your situation is no different than many other drivers. There is such a variety of insurance companies to choose from, and although it’s a good thing to be able to choose, it can be more challenging to adequately compare rates.

Buying affordable coverage is easy if you know what you’re doing. If you have a current insurance policy or are looking for a new policy, you can use this information to get lower rates and possibly find even better coverage. Consumers just need to learn the proper methods to get comparison quotes on the web.

Why you might be paying too much to insure your Ford F-350 Super Duty

It’s important that you understand the rating factors that come into play when calculating your auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get lower auto insurance prices.

  • Liability insurance protects assets – Liability insurance provides coverage when you are found to be at fault for personal injury or accident damage. Liability provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • Lower rates come with age – Teen drivers tend to be less responsible in a vehicle so they pay higher auto insurance rates. Mature drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Policy add-ons can waste money – There are a ton of add-on coverages that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and motor club memberships may be wasting your money. These may sound like a good investment when talking to your agent, but if you don’t need them get rid of them and save.
  • An active claims history can cost you – Companies award cheaper rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Tickets mean higher rates – Your driving record has a lot to do with how much you pay for insurance. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Even a single ticket can bump up the cost by twenty percent. Drivers who get dangerous violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.

Discounts on Ford F-350 Super Duty insurance

Insuring your vehicles can cost a lot, but companies offer discounts that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but less common discounts must be asked about prior to receiving the credit. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford can qualify you for better rates on cars that stay parked.
  • Discount for Life Insurance – Some companies give better rates if you take out life insurance.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for F-350 Super Duty coverage with select insurance companies.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. Just because you may think you could get a free insurance policy, companies wouldn’t make money that way. But any discount will reduce your premiums.

A partial list of companies that possibly offer these money-saving discounts include:

Before buying, ask each insurance company what discounts are available to you. All car insurance discounts may not apply in every state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help highlight if your insurance needs might need professional guidance.

  • What is UM/UIM insurance?
  • Is business equipment covered while in my vehicle?
  • Is my babysitter covered when using my vehicle?
  • What are the best liability limits?
  • Is my Ford F-350 Super Duty covered if I use it for business?
  • When should I not file a claim?
  • Can I drive in Mexico and have coverage?
  • Can my teen drive my company car?
  • Do I have coverage for damage caused while driving under the influence?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Insurance coverages explained

Knowing the specifics of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Collision coverage – Collision coverage will pay to fix damage to your F-350 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 protects against things such as colliding with a tree, hitting a parking meter, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford F-350 Super Duty.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Comprehensive coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, damage from flooding, vandalism and fire damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as dental work, pain medications, doctor visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical services, pain and suffering, emergency aid, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

One last thing

The cheapest 2014 Ford F-350 Super Duty insurance is available online and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance coverage companies may not provide online quoting and these smaller companies work with independent agents.

In this article, we presented a lot of information how to shop for insurance online. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. You may even find the lowest premiums are with some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

For more information, link through to the resources below: