2014 Ford F-350 Super Duty Insurance Quotes – 6 Tips to Save

Looking for cheaper auto insurance rates for your Ford F-350 Super Duty? No normal person likes paying for auto insurance, particularly when they could find better rates elsewhere.

Many auto insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurer to discover the definitive cheapest price

Car insurance discounts are available to slash your rates

Insuring your fleet can be pricey, but you might find some hidden discounts to cut the cost considerably. Some trigger automatically when you quote, but once in a while a discount must be requested specifically before you get the savings.

  • Discounts for Multiple Vehicles – Drivers who insure primary and secondary vehicles on a single policy could earn a price break for each car.
  • Good Drivers – Drivers without accidents may save up to 50% more on F-350 Super Duty insurance than their less cautious counterparts.
  • Discount for Low Mileage – Low annual miles can qualify you for lower rates due to less chance of an accident.
  • Own a Home – Simply owning a home may trigger a policy discount on car insurance because owning a home is proof that your finances are in order.
  • Discounts for Federal Employees – Simply working for the federal government could provide a small rate reduction on F-350 Super Duty insurance with select insurance companies.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up could cut 10% or more off the medical payments premium.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will help lower your overall premium however.

A list of companies and the discounts they provide can be found below.

  • 21st Century offers discounts for homeowners, student driver, teen driver, early bird, theft prevention, and 55 and older.
  • Progressive may have discounts that include online quote discount, multi-policy, online signing, multi-vehicle, good student, homeowner, and continuous coverage.
  • State Farm offers premium reductions for safe vehicle, student away at school, anti-theft, defensive driving training, accident-free, passive restraint, and good student.
  • Nationwide policyholders can earn discounts including Farm Bureau membership, business or organization, good student, family plan, accident-free, anti-theft, and multi-policy.
  • Esurance has discounts for renters, anti-theft, safety device, homeowner, defensive driver, good student, and Pac-12 alumni.
  • The Hartford includes discounts for bundle, vehicle fuel type, good student, defensive driver, driver training, and anti-theft.

If you want cheaper insurance quotes, ask every prospective company which discounts can lower your rates. Depending on the company, some discounts may not be available in your state. If you would like to choose from a list of providers with the best car insurance discounts, follow this link.

Are you falling for claims of savings?

Companies like Allstate, Geico and Progressive seem to constantly run television and radio advertisements. They all convey the message of big savings if you just switch your car insurance coverage to their company. That’s great but how can every company make the same claim? Just pay attention to how they say it.

All the different companies can use profiling for the driver that will most likely be profitable. An example of a desirable insured might be married and over the age of 30, owns a home, and drives a lower-performance vehicle. Any driver who fits those characteristics will get very good premium rates and will probably save quite a bit of money when switching.

Consumers who may not quite match these standards will probably be forced to pay higher premiums and ends up with the customer not buying. If you pay close attention to the ads, they say “people that switch” but not “everyone who gets a quote” can get the lowest rates when switching. This is how insurance companies can confidently make it sound like they have such great premium rates. This really drives home the point why it is so important to quote coverage with many companies. Because you cannot predict which insurance companies will fit you best based on your risk profile.

Everyone needs different car insurance coverages

When choosing adequate coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation might need professional guidance.

  • How can I find cheaper teen driver insurance?
  • Do I have newly-aquired coverage?
  • I have a DUI can I still get coverage?
  • Is my teen driver covered when they drive my company car?
  • Where can I find DUI or SR-22 insurance?
  • How high should my medical payments coverage be?
  • Are my friends covered when driving my car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Detailed coverages of your auto insurance policy

Knowing the specifics of a auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle, vandalism, theft and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance

This protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy 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 things like emergency aid, attorney fees, pain and suffering and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as chiropractic care, EMT expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays for damage to your F-350 Super Duty caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, scraping a guard rail, driving through your garage door, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Have money to burn

You just learned a lot of tips how to save on 2014 Ford F-350 Super Duty insurance. It’s most important to understand that the more you quote insurance, the better likelihood of getting low cost insurance. You may be surprised to find that the best price on insurance coverage is with the smaller companies. They can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

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