2002 Ford F-350 Super Duty Car Insurance Rates – 5 Policy Discounts

Trying to find lower insurance coverage rates? Buyers have many options when searching for affordable Ford F-350 Super Duty insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to compare rates. There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the best way to compare rates on a Ford and obtain the lowest possible price either online or from local insurance agents.

Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Drivers only need to know the tricks to get comparison rates online.

Do you qualify for these five discounts?

Companies that sell car insurance don’t always list every disount available in a way that’s easy to find, so the list below contains a few of the more common and also the lesser-known discounts that you can inquire about if you buy auto insurance online.

  • Renewal Discounts – Select larger companies give a discount for switching companies before your current coverage expires. This can save 10% or more.
  • Cautious Drivers – Drivers who avoid accidents can save as much as half off their rates on F-350 Super Duty insurance than less cautious drivers.
  • Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course in school.
  • Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles on one policy can reduce the rates for all insured vehicles.
  • Memberships – Having an affiliation with certain professional organizations could earn you a nice discount when getting a auto insurance quote.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like you could get a free auto insurance policy, you’re out of luck.

A list of companies and a partial list of their discounts are:

  • GEICO discounts include five-year accident-free, defensive driver, federal employee, anti-lock brakes, membership and employees, and air bags.
  • MetLife offers discounts for good student, multi-policy, accident-free, defensive driver, and claim-free.
  • State Farm includes discounts for student away at school, defensive driving training, anti-theft, multiple policy, and passive restraint.
  • Progressive may have discounts that include online quote discount, homeowner, good student, continuous coverage, online signing, multi-policy, and multi-vehicle.
  • Mercury Insurance may offer discounts for anti-theft, ease of repair, location of vehicle, low natural disaster claims, age of vehicle, good driver, and accident-free.
  • 21st Century has discounts for homeowners, student driver, driver training, air bags, anti-lock brakes, defensive driver, and automatic seat belts.
  • Allstate offers discounts including defensive driver, good student, economy car, premier plus, good payer, and eSmart discount.

When getting free auto insurance quotes, it’s a good idea to all companies you are considering how many discounts you can get. Depending on the company, some discounts may not be available in your state. To choose providers offering auto insurance discounts, click here.

Switch companies and save? Really?

Consumers can’t get away from ads for insurance coverage savings by companies like Progressive, GEICO, Allstate and State Farm. All the companies seem to make the promise that drivers will save a bundle after switching to them.

Is it even possible that every company can make the same claim? This is how they do it.

Insurance providers require specific criteria for the type of driver that is profitable for them. For instance, this type of insured may need to be over age 30, has never had a policy lapse, and drives newer vehicles. Any driver that fits those parameters will probably get the lowest prices and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who do not match those standards may be forced to pay higher premium rates which results in the customer not buying. If you listen to the ad wording, they say “customers that switch” but not “everyone who gets a quote” save money. That’s why companies can make claims like that. This emphasizes why drivers must get as many free auto insurance quotes as possible. It is impossible to predict which company will be your best fit.

Don’t assume everyone needs the same insurance coverage coverage

When buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions can help discover whether you will benefit from professional help.

  • Am I getting all the discounts available?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my 2002 Ford F-350 Super Duty qualify for pleasure use?
  • Why do I need rental car insurance?
  • Which is better, split liability limits or combined limits?
  • At what point should I drop full coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I get high-risk coverage after a DUI?
  • How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Car insurance coverage breakdown

Learning about specific coverages of car insurance can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Ford F-350 Super Duty.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability – Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims such as funeral expenses, loss of income, legal defense fees and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverage – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird, damage from getting keyed, theft and hail damage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like ambulance fees, doctor visits, surgery, chiropractic care and pain medications. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision – This will pay to fix damage to your F-350 Super Duty resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, backing into a parked car and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Money doesn’t grow on trees

Discount 2002 Ford F-350 Super Duty insurance is possible both online and from local agencies, so get free auto insurance quotes from both of them so you have a total pricing picture. Some companies do not provide online rate quotes and usually these smaller companies only sell coverage through independent insurance agencies.

In this article, we presented many tips how you can get a better price on 2002 Ford F-350 Super Duty insurance. The key concept to understand is the more companies you get premium rates for, the better chance you’ll have of finding low cost auto insurance. You may be surprised to find that the lowest car insurance rates are with the least-expected company.

People who switch companies do it for a number of reasons such as lack of trust in their agent, high rates after DUI convictions, delays in paying claims or policy cancellation. No matter why you want to switch, finding a new insurance coverage company is actually quite simple.

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