2018 Ford F-350 Super Duty Insurance Cost

Are you irritated from sacrificing to pay car insurance each month? You are no different than most other people. Lots of insurers contend for your business, so it’s not easy to compare every insurer to find the absolute lowest cost out there.

How to lower your insurance cost

Getting a cheaper price on 2018 Ford F-350 Super Duty insurance is a fairly straight forward process. The only requirement is to take a couple of minutes comparing rate quotes from online providers. Comparing prices online can be done in a couple of different ways.

  1. The easiest and least time consuming way to get quotes for comparison is a comparison rater form click here to open form in new window. This method eliminates the need for boring form submissions for every prospective company. One quote request will return quotes from several companies.
  2. A more time consuming way to find better pricing consists of going to the website for each individual company and get a separate price quote. For example, let’s say you want rates from USAA, Progressive and American Family. You would need to spend time going to each site individually and repeatedly enter your information, which explains why we recommend starting with the first method.

    For a list of links to companies insuring cars in your area, click here.

Whichever way you choose to compare rates, make sure you use the exact same deductibles and coverage limits with every price quote. If your comparisons have different limits and deductibles on each one it will be very difficult to make a fair rate comparison.

Do you qualify for discount insurance coverage?

Insurance coverage is expensive, but there are discounts available to help offset the cost. Many discounts should be triggered at the time of purchase, but less common discounts must be specially asked for in order for you to get them.

  • College Student – Kids living away from home attending college and do not have a car can be insured at a reduced rate.
  • Sign Online – Many companies give back up to $50 just for signing your application on your computer.
  • Drivers Education – Require your teen driver to enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Theft Prevention System – Cars with anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
  • Memberships – Having an affiliation with qualifying clubs or civic groups could qualify you for a break when getting a car insurance quote.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little on the medical payments or PIP coverage costs.
  • Government Employee Discount – Federal government employees may reduce rates when you quote car insurance for F-350 Super Duty insurance with select insurance companies.

One last thing about discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

A few popular companies and some of the discounts are:

  • Progressive policyholders can earn discounts including homeowner, good student, online signing, multi-policy, multi-vehicle, and online quote discount.
  • AAA may include discounts for pay-in-full, multi-policy, AAA membership discount, education and occupation, and anti-theft.
  • Farmers Insurance includes discounts for alternative fuel, homeowner, bundle discounts, mature driver, switch companies, distant student, and teen driver.
  • Geico may offer discounts for air bags, defensive driver, good student, seat belt use, five-year accident-free, driver training, and daytime running lights.
  • Esurance has savings for Pac-12 alumni, homeowner, Switch & Save, anti-lock brakes, multi-car, DriveSense, and emergency road assistance.
  • SAFECO offers discounts for drive less, anti-theft, teen safe driver, anti-lock brakes, teen safety rewards, and homeowner.
  • State Farm offers premium reductions for student away at school, accident-free, defensive driving training, safe vehicle, multiple autos, and passive restraint.

When comparing rates, check with all the companies which discounts you qualify for. Discounts may not be offered in your area. If you would like to see a list of insurance companies who offer cheap insurance coverage quotes, click here to view.

What insurance coverages do I need?

When buying coverage, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help you determine if you will benefit from professional help.

  • How does medical payments coverage work?
  • Should I bundle my homeowners policy with my auto?
  • Does my insurance cover a custom paint job?
  • When can my company non-renew my policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I afford to buy a different vehicle if my 2018 Ford F-350 Super Duty is totaled?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Informed consumers can save money

Many factors are used when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but other criteria are not quite as obvious such as your marital status or your vehicle rating.

Shown below are some of the major factors used by your company to calculate your rate level.

  • More than one policy can earn a discount – Lots of companies will award a discount for people who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to check prices from other companies to help ensure you have the lowest rates.There is a chance you can save even more by splitting coverages up.
  • Better drivers have lower rates – Having a single citation may increase your cost forty percent or more. Good drivers receive lower rates than bad drivers. Drivers unfortunate enough to have serious violations such as reckless driving or DUI might be required by their state to complete a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
  • Lower stress equals lower prices – Jobs such as judges, architects and stock brokers generally have higher average rates because of job stress and lots of time spent away from family. Conversely, occupations such as actors, athletes and performers receive lower rates for F-350 Super Duty insurance.
  • Avoid unnecessary add-on coverages – There are a ton of additional coverages you can purchase on your insurance policy. Coverage for things like rental car reimbursement, high-cost glass coverage, and Farm Bureau memberships are probably not needed. These may sound like a good investment when talking to your agent, but if they’re wasting money remove them and pocket the money.
  • Vehicles with better crash test results cost less to insure – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety reduce the chance of injuries and reduced instances of injuries means your insurance company pays less which can mean better rates for you. If your Ford F-350 Super Duty is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.
  • A good credit rating can save money – Having a good credit history is a large factor in determining what you pay for insurance. Therefore, if your credit history is low, you may save money insuring your 2018 Ford F-350 Super Duty if you clean up your credit. Consumers who have high credit scores tend to be less risk to insure than those with lower credit scores.
  • Get better premiums after the wedding – Getting married may cut your premiums on your policy. Having a spouse means you’re more mature than a single person and insurance companies reward insureds because being married results in fewer claims.
  • Comp and collision deductibles are a factor – Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Ford. Some examples of claims that would be covered would be collision with another vehicle, hail damage, and having your car stolen. Physical damage deductibles define how much you are required to spend out-of-pocket if you file a covered claim. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be for F-350 Super Duty insurance.

Car insurance buyers beware

Consumers can’t avoid all the ads that claim the best auto insurance rates from the likes of Progressive, Geico, Allstate and State Farm. All the ads make the same claim that drivers will save a bundle after switching to their company.

How does each company give you a lower rate? This is the way they can do it.

Most companies require specific criteria for the driver that will not have excessive claims. One example of a profitable risk profile may be between the ages of 30 and 50, has a clean driving record, and insures a new vehicle. Any new insured that matches those criteria will get very good rates and will most likely save some money.

Drivers who do not meet those criteria will be quoted higher premiums which translates to the prospect going elsewhere. The trick is to say “people who switch” not “all people who quote” save the amount stated. That’s the way companies can make those statements. Because every company is different, it’s extremely important to compare rate quotes every year. Because without a comparison, you cannot know which company will give you the biggest savings.

Car insurance coverages 101

Knowing the specifics of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Liability auto insurance – This coverage can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

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

Liability insurance covers claims like emergency aid, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Medical expense coverage – Coverage for medical payments and/or PIP pay for bills such as doctor visits, rehabilitation expenses, dental work and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, fire damage, damage from getting keyed, vandalism and hitting a bird. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Ford F-350 Super Duty.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Online plus local equals savings

A few companies do not provide online quoting and most of the time these small insurance companies only sell coverage through independent insurance agents. Budget-conscious 2018 Ford F-350 Super Duty insurance is attainable on the web and with local insurance agents, and you need to comparison shop both to have the best rate selection.

You just learned some good ideas how you can get a better price on 2018 Ford F-350 Super Duty insurance. The most important thing to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even find the best price on insurance is with a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

Additional resources