Cheaper 2014 Ford F-450 Super Duty Car Insurance Quotes

Did a good deal turn into an underperforming, overpriced insurance coverage policy? Don’t feel bad because many consumers are in the same pinch. Companies like State Farm, Allstate, Geico and Progressive increase brand awareness with TV and radio ads and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.

The quickest way to compare rates is to realize most larger insurance companies provide online access to give you rate quotes. To start a quote, the only thing you need to do is provide a small amount of information including if you require a SR-22, marital status, which vehicles you own, and your general credit rating. Those rating factors is submitted instantly to insurance carriers in your area and they respond with quotes instantly.

More discounts mean cheaper premiums

Some insurers don’t always list every policy discount very clearly, so the list below details some of the best known and also the more inconspicuous credits that may apply to you.

  • Onboard Data Collection – People who choose to allow companies to spy on their driving habits through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as they are good drivers.
  • ABS Braking Discount – Vehicles that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
  • Defensive Driver Discount – Passing a defensive driver class could cut 5% off your bill and make you a better driver.
  • Homeowners Savings – Being a homeowner can help you save on insurance because owning a home shows financial diligence.
  • New Car Discount – Buying a new car model may earn a small discount since newer vehicles have better safety ratings.
  • Accident Forgiveness – Not a discount per se, but a handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction for F-450 Super Duty coverage with a few insurance companies.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn substantially lower rates.

Discounts save money, but please remember that some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free insurance policy, you won’t be that lucky.

Some companies that may have some of the discounts shown above include:

Before you buy a policy, ask each company or agent to apply every possible discount. Some of the earlier mentioned discounts may not apply in your state.

It’s not one size fits all

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • When do I need to add a new car to my policy?
  • Are rental cars covered under my policy?
  • Do I need more liability coverage?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when driving a rental car?
  • How high should deductibles be on a 2014 Ford F-450 Super Duty?
  • What is UM/UIM insurance?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages available from insurance companies.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from 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 coverage protects against claims like hitting a deer, hitting a bird, damage from a tornado or hurricane and theft. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford F-450 Super Duty.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability

This will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like bail bonds, attorney fees and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Auto collision coverage

This covers damage to your F-450 Super Duty resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, driving through your garage door, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as EMT expenses, rehabilitation expenses, hospital visits, doctor visits and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be a smart shopper

We just showed you many tips how you can compare 2014 Ford F-450 Super Duty insurance rates online. The most important thing to understand is the more times you quote, the better your chances of lowering your auto insurance rates. You may even discover the lowest rates are with an unexpected company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

Affordable 2014 Ford F-450 Super Duty insurance is available online and from local agencies, so you need to shop auto insurance with both to have the best chance of lowering rates. Some car insurance companies may not offer the ability to get quotes online and many times these small insurance companies provide coverage only through local independent agents.

More tips and info about car insurance is available in these articles: