2016 Ford F-350 Super Duty Insurance Quotes – 5 Ways to Save

Searching for better car insurance rates for your Ford F-350 Super Duty? Overpriced car insurance can bleed your funds and force you to cut corners elsewhere.

Companies like Geico, Progressive and Allstate continually bombard you with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Finding affordable coverage is not that difficult. Although vehicle owners should learn how the larger insurance companies sell online and apply this information to your search.

The easiest way to compare car insurance rates is to know most of the bigger providers will pay a fee to compare rate quotes. To get started, all you need to do is take a few minutes to give details including how much coverage you want, whether your vehicle is owned or leased, your credit rating estimate, and your job. Your rating data is then sent to multiple car insurance providers and you receive quotes almost instantly.

Advertising and auto insurance

Big name companies like Allstate, Geico and Progressive endlessly run television and radio advertisements. They all seem to advertise the message that you can save just by moving your auto insurance policy to them. How is it plausible that every one can charge you less for car insurance? It’s all in how they say it.

Insurance companies offer their best rates for the driver that will not have excessive claims. For instance, a profitable risk profile could be between the ages of 30 and 45, has a clear driving record, and has great credit. A customer getting a price quote who meets those qualifications will qualify for the lowest car insurance rates and will also save money with a new company.

Drivers who fall short of these standards will have to pay a higher premium with the end result being the customer buying from a different company. If you listen closely, the ads state “customers that switch” not “everybody who quotes” save that kind of money. That’s why companies can truthfully make it sound like they have such great rates. Because of the profiling, it is so important to do a price quote comparison at every renewal. Because you never know the company that will provide the lowest prices.

Get lower-cost auto insurance quotes with discounts

Some insurers don’t always list the complete list of policy discounts in an easy-to-find place, so the following list contains a few of the more well known as well as some of the hidden discounts that may be available. If you do not check that you are getting every discount you deserve, you are not getting the best rate possible.

  • Early Switch Discount – Select larger companies give a discount for signing up prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Claim Free – Drivers who stay claim-free can earn big discounts when compared with drivers with a long claim history.
  • Multi-Vehicle Discounts – Having more than one vehicle on a single policy qualifies for this discount.
  • Club Memberships – Being in a qualifying organization could qualify you for a break on auto insurance.

We need to note that many deductions do not apply to the entire cost. Some only apply to individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Popular auto insurance companies and some of the premium reductions they offer can be read below.

  • 21st Century offers discounts for early bird, teen driver, homeowners, defensive driver, 55 and older, driver training, and anti-lock brakes.
  • State Farm offers discounts including multiple policy, driver’s education, safe vehicle, passive restraint, good student, and accident-free.
  • AAA has savings for multi-car, AAA membership discount, good student, pay-in-full, and multi-policy.
  • Liberty Mutual discounts include hybrid vehicle, multi-car, good student, multi-policy, newly retired, and safety features.
  • Progressive may include discounts for homeowner, online signing, online quote discount, continuous coverage, and good student.

If you need affordable insurance quotes, ask all companies you are considering which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policyholders in your area. If you would like to choose from a list of insurance companies that provide some of the discounts listed above, follow this link.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.

  • How much liability coverage do I need in my state?
  • Is pleasure use cheaper than using my 2016 Ford F-350 Super Duty to commute?
  • Should I buy only the required minimum liability coverage?
  • Does insurance cover tools stolen from my truck?
  • I don’t drive much so do I pay less?
  • When would I need rental car insurance?
  • Why do I only qualify for high-risk insurance?
  • Am I missing any policy discounts?
  • How do I buy GAP insurance?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance policy coverages for a 2016 Ford F-350 Super Duty

Knowing the specifics of auto insurance can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types available from auto insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, falling objects, a broken windshield and fire damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as prosthetic devices, EMT expenses, chiropractic care, rehabilitation expenses and surgery. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage – This coverage pays for damage to your F-350 Super Duty caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, damaging your car on a curb, hitting a mailbox, backing into a parked car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for liability – This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as structural damage, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Get your money’s worth

We just covered many ways to lower your 2016 Ford F-350 Super Duty insurance rates. The key concept to understand is the more companies you get auto insurance rates for, the higher your chance of finding cheap insurance. You may even find the most savings is with the least-expected company. These smaller insurers can often provide lower auto insurance rates in certain areas than their larger competitors like State Farm or Progressive.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability limits or collision coverage only to regret at claim time that they should have had better coverage. The aim is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

Low-cost 2016 Ford F-350 Super Duty insurance can be bought from both online companies and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not offer rates over the internet and usually these small, regional companies prefer to sell through independent insurance agencies.

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