Cheap 2002 Ford F-350 Super Duty Insurance Quotes

No normal person rejoices having to buy insurance coverage, especially when they know the cost is too high.

You have so many insurers to purchase coverage from, and although it’s nice to have a choice, having more insurers makes it harder to get the best deal.

This article will teach you the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you should be able to save some money using these methods. But car owners do need to learn how the larger insurance companies determine prices and take advantage of how the system works.

Low cost insurance coverage prices

There are several ways to get quotes from many insurance coverage companies in your state. The simplest method to find affordable 2002 Ford F-350 Super Duty insurance rates consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

1. Experts agree that the best way to get quotes is a comparison rater form like this one (opens in new window). This quick form keeps you from doing separate quotes for each company you want a rate for. One form submission gets you price quotes from several companies.
2. Another way to find better pricing consists of visiting the website for each individual company to request a price quote. For examples sake, let’s assume you want to compare prices for USAA, Safeco and State Farm. You would be required to visit each site and repeatedly type in your coverage information, and that explains why we recommend the first method. For a list of companies in your area, click here.

Compare rates however you want, just double check that you are using the exact same deductibles and coverage limits for each quote you get. If you have mixed coverages then you won’t be able to decipher which rate is best. Quoting even small variations in insurance coverages or limits could skew the results. And when quoting insurance coverage, remember that more quotes will improve the odds of getting lower pricing. Not every company allows you to get price estimates online, so you should also compare rates from those companies as well.

Find discounts on insurance

Companies that sell car insurance don’t always publicize the complete list of policy discounts very well, so we researched a few of the more well known and the more hidden credits available to bring down your rates.

• ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems prevent accidents and will save you 10% or more.
• Passive Restraints – Options like air bags could see savings of more than 20%.
• Multi-Vehicle Discounts – Buying a policy with primary and secondary vehicles with the same insurance company can get a discount for every vehicle.
• Multi-policy Discount – If you have multiple policies and insure them with the same company they may give you a discount of up to 20% and get you inexpensive car insurance.
• Military Discounts – Being on active duty in the military could mean lower premium rates.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Sign Early and Save – A few insurance companies give discounts for switching companies before your current expiration date. You can save around 10% with this discount.
• Anti-theft Discount – Cars and trucks that have factory anti-theft systems are less likely to be stolen and will save you 10% or more.
• New Car Discount – Insuring a vehicle that is new can save up to 30% since new vehicles have better safety ratings.

Policy discounts save money, but most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, you won’t be that lucky.

Companies and a summarized list of policyholder discounts are shown below.

• American Family may include discounts for good student, mySafetyValet, multi-vehicle, Steer into Savings, and TimeAway discount.
• Nationwide offers premium reductions for business or organization, accident-free, Farm Bureau membership, easy pay, good student, and anti-theft.
• MetLife offers discounts for defensive driver, good driver, accident-free, multi-policy, and good student.
• 21st Century has discounts for anti-lock brakes, teen driver, defensive driver, student driver, 55 and older, and homeowners.
• Farmers Insurance includes discounts for distant student, electronic funds transfer, business and professional, multi-car, homeowner, alternative fuel, and switch companies.
• Allstate offers discounts including EZ pay plan discount, passive restraint, auto/life discount, resident student, senior citizen, anti-theft, and farm vehicle.

If you need cheap car insurance quotes, ask every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered everywhere. If you would like to choose from a list of insurance companies who offer free insurance quotes, click here.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. For example, these questions might point out whether you would benefit from an agent’s advice.

• Is my dog or cat covered if injured in an accident?
• Is my nanny covered when driving my vehicle?
• Can I rent a car in Mexico?
• Am I covered when using my vehicle for business?
• Do I need an umbrella policy?
• Do I need replacement cost coverage on my 2002 Ford F-350 Super Duty?
• Am I covered when driving on a suspended license?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your car insurance policy

Having a good grasp of a car insurance policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from car insurance companies.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses like ambulance fees, X-ray expenses, rehabilitation expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays for damage to your F-350 Super Duty from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford F-350 Super Duty.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these limits are similar to your liability insurance amounts.

Liability auto insurance – This can cover damage or injury you incur to other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like medical services, repair bills for other people’s vehicles, repair costs for stationary objects, loss of income and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, theft and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.