Cheap 2016 Ford F-350 Super Duty Car Insurance Quotes

Trying to find cheaper insurance rates for your Ford F-350 Super Duty? No one likes paying for insurance, especially when their premiums are through the roof. Big-name insurance companies like GEICO and Progressive continually bombard you with catchy ads and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

Smart consumers take time to compare prices periodically since insurance rates trend upward over time. Even if you got the best rates for F-350 Super Duty coverage on your last policy you will most likely find a better rate today. So forget anything you know (or think you know) about insurance because you’re going to get a crash course in one of the best ways to properly buy coverages and cut your premium.

If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to get lower rates while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Consumers only need to know the best way to find the lowest price over the internet.

These factors can influence Ford F-350 Super Duty insurance rates

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for car insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with lower car insurance prices.

The following are some of the items used by your company to calculate rates.

  • Safer occupants lowers premiums – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Never go without insurance – Not having insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, but being ticketed for driving with no insurance can result in a revoked license or a big fine.You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Multi-policy discounts can save money – Some insurance companies give discounts to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even if you’re getting this discount it’s still a good idea to compare other company rates to ensure the best deal. Drivers may still find better rates by insuring with multiple companies.
  • Protect yourself with liability coverage – Liability coverage will protect you if ever a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Where you live is a factor – Residing in a small town is a positive aspect when talking about car insurance. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Lower population means reduced accidents as well as less vandalism and auto theft.
  • Small claims can cost you – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Companies provide discounts to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Adjust deductibles and save – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Ford from damage. Examples of covered claims are running into the backend of another car, damage caused by hail, and burglary. The deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The higher the amount you’re willing to pay, the less your company will charge you for insurance for F-350 Super Duty coverage.

The best way to compare insurance rates from multiple companies is to understand most of the bigger providers actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is provide a small amount of information including if you lease or own, whether you are married, how much education you have, and whether you have decent credit. That rating information is then submitted to multiple companies and you will get price comparisons within a short period of time.

To compare rates now, click here then complete the form.

These discounts can slash insurance coverage rates

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Some discounts apply automatically when you get a quote, but a few need to be specifically requested before you get the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% for F-350 Super Duty coverage with certain companies.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Owning a house may earn you a small savings because owning a home requires personal responsibility.
  • Defensive Driver – Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Sign Early and Save – A few companies offer discounts for switching to them before your current expiration date. It can save you around 10%.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will cut the cost of coverage.

To see a list of insurers with the best insurance coverage discounts, click this link.

When might I need the advice of an agent?

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

  • Should I sign the liability waiver when renting a car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is the ISO rating for a 2016 Ford F-350 Super Duty?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my ex-spouse still covered by my policy?
  • When should my teen driver be added to my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is pleasure use cheaper than using my 2016 Ford F-350 Super Duty to commute?
  • How much can I save by bundling my policies?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Detailed coverages of your auto insurance policy

Having a good grasp of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on most auto insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, rock chips in glass and falling objects. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL 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 loss of income, emergency aid, repair costs for stationary objects, pain and suffering and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Collision protection

Collision insurance will pay to fix damage to your F-350 Super Duty resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-350 Super Duty.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these limits do not exceed the liability coverage limits.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses such as pain medications, EMT expenses, dental work, nursing services and doctor visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Be a Smart Shopper

When shopping online for insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to find the BEST coverage at the best price, not the least amount of coverage.

In this article, we presented some good ideas how you can get a better price on 2016 Ford F-350 Super Duty insurance. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Drivers may discover the lowest priced insurance coverage comes from a smaller regional carrier. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.

More detailed insurance coverage information can be found in these articles: