View 2015 Ford F-350 Super Duty Car Insurance Rates

I can’t think of anyone who looks forward to paying for auto insurance, especially knowing their premiums are through the roof.

Due to the large number of insurance companies to choose from, it’s nearly impossible to pick the right auto insurance company.

The purpose of this post is to instruct you on how to effectively get price quotes and some money-saving tips. If you have car insurance now, you will be able to lower your premiums substantially using these tips. Nevertheless, vehicle owners need to have an understanding of how insurance companies price insurance differently.

Insurance coverage quotes and discounts

Some companies do not list all disounts very well, so below is a list some of the best known and the harder-to-find discounts you could be receiving when you buy auto insurance online.

  • Discounts for New Vehicles – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for newer vehicles.
  • Senior Citizens – Seniors may receive a discount up to 10% for F-350 Super Duty insurance.
  • Include Life Insurance and Save – Some insurance coverage companies give a small discount if you purchase auto and life insurance together.
  • Sign Early and Save – Some companies provide a discount for signing up before your current policy expires. You could save around 10% when you buy auto insurance online.
  • Waiver for an Accident – This one isn’t a discount, but certain companies will allow you to have one accident without the usual rate increase if your claims history is clear for a set time period.
  • Safety Course Discount – Passing a driver safety class could save 5% or more depending on where you live.
  • Auto/Home Discount – When you combine your home and auto insurance and insure them both with the same insurance company you will save nearly 15% which can help you find inexpensive auto insurance.
  • Good Grades Discount – Being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Discount for Passive Restraints – Vehicles with factory air bags can get savings of 20 to 30 percent.

As a footnote on discounts, some of the credits will not apply to your bottom line cost. Most cut specific coverage prices like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

Popular insurance coverage companies and some of the discounts are included below.

  • State Farm policyholders can earn discounts including anti-theft, Drive Safe & Save, defensive driving training, driver’s education, good driver, passive restraint, and safe vehicle.
  • Liberty Mutual may have discounts that include new graduate, new move discount, multi-policy, teen driver discount, newly married, and safety features.
  • American Family may offer discounts for accident-free, Steer into Savings, air bags, good student, TimeAway discount, and good driver.
  • Progressive has discounts for good student, homeowner, online quote discount, online signing, continuous coverage, multi-vehicle, and multi-policy.
  • Farmers Insurance offers premium reductions for multi-car, bundle discounts, early shopping, electronic funds transfer, and good student.
  • Auto-Owners Insurance offers discounts including student away at school, air bags, safe driver, group or association, anti-theft, company car, and good student.
  • SAFECO has savings for bundle discounts, teen safe driver, teen safety rewards, safe driver, accident prevention training, and drive less.

If you are trying to find cheaper auto insurance quotes, ask each company or agent what discounts are available to you. Discounts may not apply to policies everywhere.

How to get insurance coverage rate quotes

There are several ways to compare rate quotes from many available insurance coverage companies in your state. The recommended way to find cheaper 2015 Ford F-350 Super Duty rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

Without a doubt, the easiest way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing repetitive form submissions to each individual insurance coverage company. Just one form gets you price quotes instantly.

Another way to shop for insurance coverage online is spending the time to visit each individual company website to complete a price quote. For instance, let’s say you want to get rates from Auto-Owners, Liberty Mutual and GMAC. To do that, you would have to navigate to each company’s site to input your insurance information, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.

The old school way to find lower rates is driving to insurance agents’ offices. Quoting and buying insurance online has reduced the need for local agents unless you have a need for the extra assistance that only an agent can give. It is possible with some companies obtain prices from the web and have a local agent actually service the policy.

Which method you use is up to you, but make absolute certain that you use identical information for each price quote. If you are comparing different coverage information it’s impossible to find the best deal for your Ford F-350 Super Duty. Even a minor difference in limits could skew the results. It’s important to know that quoting more helps locate a lower rate.

How insurance providers calculate Ford F-350 Super Duty insurance premiums

Consumers need to have an understanding of some of the things that play a part in calculating your premiums. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that could help you find lower car insurance prices.

  • Youthful vs. mature drivers – Older people are more responsible, cost insurance companies less in claims .Beginning drivers are known to be more careless when behind the wheel so car insurance rates are higher.
  • Prices are affected by your address – Having an address in small towns and rural areas can save you money when it comes to car insurance. Fewer people means reduced accidents in addition to fewer liability claims. Drivers in populated areas regularly have traffic congestion and longer commute times. More time behind the wheel means a statistically higher chance of an accident.
  • Prevent theft and save – Owning a car with a theft deterrent system can earn a premium discount. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft and help lower rates.
  • Good drivers pay the best costs – Being a careful driver has a lot to do with how much you pay for insurance. Having just one citation can bump up the cost to the point where it’s not affordable. Good drivers get better rates compared to bad drivers. Drivers who get severe citations such as hit and run, DWI or reckless driving convictions may find that they have to to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
  • Getting married can lower prices – Your spouse can get you a discount on car insurance. Marriage is viewed as being more mature than a single person and statistics prove married drivers tend to file fewer claims.

Situations that may require an agent’s advice

When choosing coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • Does my personal policy cover me when driving out-of-state?
  • Do I have coverage if my license is suspended?
  • Can I make deliveries for my home business?
  • Why does it cost so much to insure a teen driver?
  • Do I have any recourse if my insurance company denies a claim?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does coverage extend to my business vehicle?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Auto insurance 101

Understanding the coverages of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most car insurance policies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for prosthetic devices, dental work and X-ray expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision protection

This coverage covers damage to your F-350 Super Duty resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, hitting a deer, a tree branch falling on your vehicle, theft and falling objects. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Ford F-350 Super Duty.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Liability

This coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as repair costs for stationary objects, funeral expenses, bail bonds and structural damage. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

At the end of the day…

Budget-conscious 2015 Ford F-350 Super Duty insurance is possible from both online companies as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not provide rate quotes online and usually these small insurance companies provide coverage only through independent insurance agencies.

When getting auto insurance quotes online, do not skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage for the lowest price.

We just showed you quite a bit of information on how to compare 2015 Ford F-350 Super Duty insurance rates online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even find the best rates are with some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

More information is located at the links below