2000 Ford F-350 Super Duty Insurance Rates – 9 Policy Discounts

Looking for the cheapest insurance coverage rates for your Ford F-350 Super Duty? Are you burned out from scraping nickels together to keep your car insured? Your situation is no different than many other people.

People have many insurers to choose from, and even though it’s nice to have a selection, it makes it harder to compare rates and find the lowest cost insurance coverage.

Compare insurance price quotes

Most companies allow consumers to get pricing direct online. Obtaining pricing doesn’t take a lot of time as you just enter into the quote form. Once entered, the system will obtain your driving record and credit report and returns a price quote based on the data you entered. Online price estimates helps simplify price comparisons, but the time required to go to each company’s website and repetitively type in the same information is monotonous and tiresome. But it is imperative to perform this step if you want to find the lowest price.

The better way to compare rates

The quickest way to lower your rates uses one form that gets price quotes from several companies at one time. This type of form saves time, requires much less work on your part, and makes rate comparisons much easier. Once the form is submitted, your coverage is rated and you can choose any of the resulting price quotes. If a lower price is quoted, you can simply submit the application and buy the new coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

To quickly find out how much you can save on insurance, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you duplicate the coverage information as close as possible to your current policy. Using the same limits helps guarantee you will receive a fair comparison based on the exact same insurance coverage.

Lower your insurance coverage rates with these nine discounts

Insurance coverage is neither fun to buy or cheap, but there could be available discounts to reduce the price significantly. Most are applied when you get a quote, but some need to be requested specifically before they will apply.

• Theft Prevention System – Vehicles that have factory anti-theft systems are less likely to be stolen and will save you 10% or more.
• Paperwork-free – A handful of insurance coverage companies will discount your bill up to fifty bucks for buying a policy and signing up on the internet.
• No Claims – Insureds who avoid accidents and claims pay much less when compared with policyholders that have many claims.
• Discount for Low Mileage – Driving less could be rewarded with lower insurance coveragerates on the low mileage vehicles.
• New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
• Accident Forgiveness Coverage – but some companies like Progressive, Allstate, and Liberty Mutual permit an accident before raising your premiums if you have no claims prior to the accident.
• Early Renewal Discounts – Some insurance companies provide a discount for buying a policy before your current coverage expires. It can save you around 10%.
• Seat Belts Save – Drivers who require all occupants to buckle up can save a little on medical payment and PIP coverage.
• Distant Student – living away from home attending college and won’t have access to an insured vehicle could qualify for this discount.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, companies don’t profit that way.

Large insurance coverage companies and some of the discounts can be read below.

• State Farm policyholders can earn discounts including safe vehicle, good driver, Steer Clear safe driver discount, defensive driving training, multiple policy, Drive Safe & Save, and anti-theft.
• Farmers Insurance offers premium reductions for alternative fuel, business and professional, pay in full, mature driver, and early shopping.
• Progressive may have discounts that include online quote discount, continuous coverage, homeowner, multi-vehicle, good student, online signing, and multi-policy.
• Geico offers discounts including driver training, anti-theft, defensive driver, multi-vehicle, military active duty, daytime running lights, and anti-lock brakes.
• Auto-Owners Insurance discounts include good student, student away at school, group or association, teen driver, company car, anti-lock brakes, and air bags.
• The Hartford has savings for driver training, bundle, air bag, defensive driver, good student, and vehicle fuel type.
• Farm Bureau may offer discounts for good student, 55 and retired, multi-policy, driver training, renewal discount, safe driver, and multi-vehicle.
• USAA has discounts for driver training, good student, loyalty savings, defensive driver, and safe driver.

If you are trying to find cheap car insurance quotes, ask every insurance company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your area. If you would like to view insurance coverage companies who offer insurance coverage discounts, click this link.

You are unique and your auto insurance should be too

When buying the best auto insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For example, these questions could help you determine whether or not you could use an agent’s help.

• Will my insurance pay for OEM parts?
• What is medical payments coverage?
• Can I make deliveries for my home business?
• How much can I save by bundling my policies?
• Can I still get insurance after a DUI?
• At what point should I drop full coverage?

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 don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage breakdown

Understanding the coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage – This gives you 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 damage to your 2000 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability insurance – This coverage can cover damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as attorney fees, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage – This pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, rock chips in glass and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as doctor visits, prosthetic devices and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, hitting a mailbox, damaging your car on a curb, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.