2005 Ford F-350 Super Duty Insurance Quotes – 10 Tips for Cheaper Rates

Searching for cheaper car insurance rates for your Ford F-350 Super Duty? Nobody looks forward to paying premiums for car insurance, especially knowing they could lower their rates if they shopped around.

With so many options when it comes to car insurance, it can be impossible to choose the most cost effective car insurance company.

Finding insurance coverage

To find the cheapest insurance coverage quotes, there are several ways of comparing rates from different insurance companies. The quickest method to find the cheapest Ford F-350 Super Duty insurance rates is to perform an online rate comparison. It’s really quite simple and can be done in several different ways.

The fastest way to get the best comparison quotes is a comparison rater form click to view form in new window. This easy form keeps you from doing multiple quote forms for each company. Completing one form gets you price quotes from insurance coverage companies with the best prices.
A less efficient way to compare prices requires a trip to the website of each company and fill out their own quote form. For instance, we’ll assume you want to see prices from Geico, Liberty Mutual and Travelers. In order to get each rate, you would have to take the time to go to each site and punch in your information repeatedly, which is why the first method is quicker. To view a list of companies in your area, click here.

Whichever method you choose, try to use identical coverage limits and deductibles with every price quote. If you have different coverage information it will be impossible to determine the lowest rate for your Ford F-350 Super Duty. Slightly different coverages could skew the results. And when comparison shopping, comparing more company’s prices will improve the odds of getting the best offered rates. Some insurance companies are not set up to provide price estimates online, so it’s important to also get quotes on coverage from those companies, too.

Lower rate quotes by earning these ten discounts

Some providers do not advertise the complete list of policy discounts in a way that’s easy to find, so below is a list a few of the more common as well as the least known discounts that you can inquire about if you buy insurance coverage online.

Data Collection Discounts – Insureds who allow companies to study driving patterns remotely such as State Farm’s In-Drive may see discounts as long as they are good drivers.
Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and therefore earn up to a 10% discount.
Accident-Free Discounts – Drivers who don’t have accidents get the best insurance coverage rates compared to insureds who have frequent claims or accidents.
Senior Discount – If you qualify as a senior citizen, you may receive reduced rates on F-350 Super Duty insurance.
Discounts for Government Workers – Employees or retirees of the government could qualify for a slight premium decrease on F-350 Super Duty insurance depending on your company.
Distant Student – who are attending college and do not take a car to college can receive lower rates.
Multiple Vehicles – Buying coverage for more than one vehicle with the same insurance coverage company could earn a price break for each car.
Accident Forgiveness – Not really a discount, but some companies like State Farm and Allstate will forgive one accident before raising your premiums if you are claim-free prior to the accident.
ABS Braking Discount – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
Sign Online – Some of the larger companies may give you up to $50 for completing your application on the web.

It’s important to understand that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way.

Insurance companies who might offer most of these discounts may include but are not limited to:

Check with each company to apply every possible discount. Depending on the company, some discounts may not apply to policyholders everywhere. If you would like to view insurance companies with discount insurance coverage rates, follow this link.

Your car insurance coverage should be tailored to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For example, these questions may help highlight if your insurance needs might need professional guidance.

Will my rates increase for filing one claim?
Do I have coverage when pulling a U-Haul trailer?
How do I insure my teen driver?
Should I put collision coverage on all my vehicles?
Is business property covered if stolen from my car?
What are the financial responsibility laws in my state?
What is medical payments coverage?
Is my babysitter covered when using my vehicle?
Does medical payments coverage apply to all occupants?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverages explained

Having a good grasp of your auto insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by auto insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance will cover damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like attorney fees, repair bills for other people’s vehicles, bail bonds and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

Collision coverage covers damage to your F-350 Super Duty 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 claims such as crashing into a building, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like hospital visits, rehabilitation expenses, X-ray expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-350 Super Duty.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liablity limits.