2017 Ford F-350 Super Duty Insurance Quotes

Buyers have lots of choices when searching for affordable Ford F-350 Super Duty insurance. You can either waste hours driving around to compare prices or save time using the internet to get rate quotes.

There is a right way and a wrong way to compare insurance coverage rates so we’re going to tell you the absolute fastest way to price shop coverage for a Ford and locate the cheapest rates.

These discounts can lower your insurance coverage quotes

Insurance coverage is expensive, but there are discounts available to reduce the price significantly. Some discounts will apply at the time of purchase, but occassionally some discounts must be specially asked for before you will receive the discount.

  • Discount for Life Insurance – Some companies give a small discount if you purchase life insurance.
  • Telematics Discount – People who choose to allow data collection to spy on when and where they use their vehicle by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they are good drivers.
  • No Accidents – Drivers with accident-free driving histories pay less as compared to insureds who have frequent claims or accidents.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for F-350 Super Duty insurance as compared to drivers with claims.
  • Senior Citizens – Drivers over the age of 55 are able to get a discount up to 10% for F-350 Super Duty insurance.
  • Multiple Cars – Purchasing coverage when you have more than one vehicle on the same insurance coverage policy can get a discount on all vehicles.
  • Discount for New Cars – Buying insurance on a new vehicle can be considerably cheaper since newer models are generally safer.

As is typical with insurance, most credits do not apply the the whole policy. Most only reduce individual premiums such as comprehensive or collision. Just because it seems like you could get a free insurance coverage policy, that’s just not realistic. But any discount should definitely cut the cost of your policy.

Companies that have most of these discounts include:

If you are trying to find cheap insurance quotes, ask every prospective company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders in your area.

How you can control Ford F-350 Super Duty insurance prices

Many factors are used when premium rates are determined. Some are obvious like an MVR report, although others are not as apparent such as your marital status or how safe your car is.

  • High credit scores equal low costs – Credit score can be a huge factor in calculating your premium rate. If your credit score is lower than you’d like, you could pay less to insure your 2017 Ford F-350 Super Duty if you clean up your credit. Drivers who have high credit ratings tend to file fewer claims than drivers with lower ratings.
  • Where do you drive? – Driving more miles every year the more you will pay for insurance coverage. Many insurance companies apply a rate determined by how the vehicle is used. Cars not used for work or commuting receive lower rates than vehicles that have high annual mileage. Verify your policy is rated on how each vehicle is driven, because improper ratings can cost you money. Incorrect rating for your F-350 Super Duty can cost quite a bit.
  • See if your company offers a multi-policy discount – Many insurance companies allow discounts to customers who have multiple policies with them in the form of a multi-policy discount. Even with this discount applied, it’s always a smart idea to comparison shop to help guarantee you have the best rates.
  • Traffic violations hurt – Having a clean driving record has a big impact on rates. Attentive drivers tend to pay less for car insurance compared to bad drivers. Getting just one citation can bump up the cost by twenty percent. People who have license-revoking tickets like reckless driving or DUI might be required by their state to submit a SR-22 or proof of financial responsibility with their state in order to legally drive.
  • Cars with good safety ratings cost less to insure – Cars with high safety ratings cost less to insure. Safe vehicles result in less severe injuries and better occupant protection means lower claim amounts and cheaper rates on your policy.

Different people need different insurance coverage coverages

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For example, these questions can help discover whether you would benefit from professional advice.

  • Do I need higher collision deductibles?
  • Does insurance cover tools stolen from my truck?
  • Can my teen drive my company car?
  • Do I have coverage for damage caused while driving under the influence?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When should my teen driver be added to my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

But they said I’d save $463 a year!

Consumers get pounded daily by advertisements for insurance savings from companies such as Progressive, Geico, Allstate and State Farm. All the ads seem to make the promise that you can save just by moving your coverage.

How do they all make almost identical claims? Just pay attention to how they say it.

All companies have a preferred profile for the type of customer that earns them the most money. An example of a preferred risk should be over the age of 50, has no driving citations, and has a high credit rating. A customer who matches those parameters will qualify for the lowest car insurance rates and will also pay quite a bit less when switching companies.

Potential insureds who cannot meet these stringent criteria will be quoted higher premiums which results in business going elsewhere. If you listen closely, the ads state “drivers who switch” not “all people who quote” save that much. That is how companies can make those statements.

This emphasizes why it’s extremely important to quote coverage with many companies. It is impossible to predict which company will have better prices than you’re paying now.

Specifics of your car insurance policy

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, theft and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, hitting a parking meter, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability car insurance

Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as repair costs for stationary objects, medical expenses and legal defense fees. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like X-ray expenses, prosthetic devices and ambulance fees. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2017 Ford F-350 Super Duty.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Buy Smart and Save

The cheapest 2017 Ford F-350 Super Duty insurance is possible both online as well as from insurance agents, so you need to quote insurance with both to have the best chance of lowering rates. A few companies do not provide rate quotes online and usually these small insurance companies work with local independent agents.

We’ve covered many tips how you can lower your 2017 Ford F-350 Super Duty insurance rates. The most important thing to understand is the more companies you get car insurance rates for, the higher the chance of saving money. Consumers could even find that the lowest priced insurance coverage comes from the least-expected company.

When shopping online for insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many cases, someone dropped collision coverage only to regret that they should have had better coverage. The aim is to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

More tips and info about insurance coverage can be read in these articles: