2009 Ford F-350 Super Duty Insurance Cost – 8 Tips for Cheaper Prices

Searching for better car insurance rates for your Ford F-350 Super Duty? Trying to come up with a payment for high-priced car insurance can bottom out your savings account and make it impossible to make ends meet. Comparing cost estimates is free and is an excellent way to slash your bill and have more diposable income.

People have many insurers to choose from, and although it’s nice to have multiple companies, it can be more difficult to compare company pricing.

How to find affordable car insurance

There are multiple methods to compare car insurance prices but one way is more efficient than others. You can spend countless hours driving to agents in your area, or you could use online quoting to maximize your effort.

Many popular insurance companies are enrolled in a marketplace where prospective buyers send in one quote, and at least one company returns a rated price for coverage. This saves time by eliminating form submissions to every company.

To get comparison pricing now click here (opens in new window).

One minor caviat to doing it this way is you don’t know exactly which providers you want to price. If you prefer to choose individual companies for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but ensure you’re using exactly the same information with every price quote. If your comparisons have different liability limits you will not be able to decipher which rate is best.

Save $480 a year? Really?

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, Geico and Progressive. All the ads say the same thing that people will save if you get a free auto insurance quote and switch your policy.

How does every auto insurance company save you money? It’s all in the numbers.

Auto insurance companies give the cheapest rates for the type of insured that will not have excessive claims. For example, this type of risk profile could be between 30 and 50, owns their home, and drives newer vehicles. A customer that meets those criteria receives the best rates and will probably save when switching.

Consumers who are not a match for those standards will be charged a more expensive rate which translates to the driver buying from a lower-cost company. If you pay attention, the ads say “people that switch” not “everyone that quotes” save the amount stated. That’s the way insurance companies can confidently make the claims of big savings. Because of this risk profiling, drivers must compare rate quotes every year. It’s just too difficult to predict which auto insurance company will provide the lowest car insurance rates.

Use discounts to get cheaper car insurance rates

Some companies don’t always list every discount very well, so the below list has some of the more common as well as some of the hidden discounts you could be receiving when you buy auto insurance online. If you aren’t receiving every discount you qualify for, you may be paying too high a price.

  • Accident Forgiveness Coverage – Not a discount per se, but some insurance companies will forgive one accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Homeowners Discount – Simply owning a home can save you money since home ownership means you have a higher level of financial diligence.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy a life policy as well.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
  • Drivers Ed for Students – Cut your cost by having your teen driver sucessfully take a drivers education course as it can save substantially.
  • Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles with the same car insurance company can reduce rates for all insured vehicles.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and can earn a small discount on your policy.

A quick disclaimer, most credits do not apply to the entire cost. Most cut individual premiums such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Popular car insurance companies and a selection of discounts are detailed below.

  • Farm Bureau may offer discounts for youthful driver, 55 and retired, multi-vehicle, good student, renewal discount, safe driver, and multi-policy.
  • MetLife may have discounts that include good driver, claim-free, defensive driver, good student, and multi-policy.
  • Progressive offers discounts for homeowner, online quote discount, continuous coverage, good student, multi-policy, and online signing.
  • AAA has savings for anti-theft, good driver, good student, multi-policy, and education and occupation.
  • American Family policyholders can earn discounts including mySafetyValet, defensive driver, multi-vehicle, accident-free, Steer into Savings, and good driver.
  • Geico may include discounts for military active duty, air bags, daytime running lights, membership and employees, and anti-theft.
  • State Farm has discounts for accident-free, good driver, good student, passive restraint, defensive driving training, and multiple policy.

If you are trying to find low cost auto insurance quotes, ask all the companies which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered in your area. For a list of insurance companies that offer the discounts shown above, follow this link.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

  • What discounts do I qualify for?
  • How can I get my company to pay me more for my totalled car?
  • What is high-risk coverage and where do I buy it?
  • Why does it cost so much to insure a teen driver?
  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered by my policy?
  • Is my trailer covered?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Specific coverages for a Ford F-350 Super Duty

Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Auto liability

Liability coverage protects you from damage that occurs to other people or property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as bail bonds, structural damage, pain and suffering, court costs and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Collision coverage

Collision insurance pays for damage to your F-350 Super Duty resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your 2009 Ford F-350 Super Duty.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like chiropractic care, surgery, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, hitting a bird, damage from a tornado or hurricane and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Final thoughts

Cheaper car insurance can be bought online and from local insurance agents, so you should compare both to have the best selection. Some car insurance companies may not have online quoting and many times these regional insurance providers only sell coverage through local independent agents.

We just showed you some good ideas how you can save on 2009 Ford F-350 Super Duty insurance. The most important thing to understand is the more times you quote, the higher your chance of finding inexpensive auto insurance. You may even discover the best rates are with a smaller regional carrier. These smaller insurers often have lower auto insurance rates on specific markets as compared to the big name companies such as Progressive and Geico.

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