2015 Ford F-350 Super Duty Car Insurance Quotes – 10 Tips to Save

Searching for lower insurance coverage rates for your Ford F-350 Super Duty? Are you a victim of overpriced insurance coverage? You’re in good company because you are not the only one feeling buyer’s remorse.

There is such a variety of insurance companies to buy insurance from, and though it is a good thing to have a selection, more choices can make it harder to find the lowest rates.

Consumers should take time to get comparison quotes as often as possible because insurance coverage prices are constantly changing. Despite the fact that you may have had the lowest rate for F-350 Super Duty coverage a couple years back the chances are good that you can find a lower premium rate today. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but in this article, you’re going to get some solid techniques on how to buy insurance coverage cheaper.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Nevertheless, car owners should learn the way insurance companies market insurance on the web and use this information to your advantage.

Free car insurance price quotes

Most major insurance companies give pricing on the web. The process is pretty painless as you just type in the coverage amounts you desire as requested by the quote form. Once you submit the form, their quoting system automatically orders reports for credit and driving violations and returns pricing information based on the data you entered. This makes comparing rates easy, but the work required to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step if you are searching for a lower rate.

A quicker way to find better car insurance pricing uses one form that obtains quotes from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes online quotes much easier. Immediately after you send the form, your coverage is rated and you can choose any or none of the quote results. If the quotes result in lower rates, you can click and sign and purchase coverage. This process only takes a few minutes and you will find out if you’re overpaying now.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and submit the form. If you have coverage now, it’s recommended you complete the form with as shown on your current policy. Doing this assures you’re receiving rate quotes using the exact same coverages.

Lower rates by qualifying for these ten discounts

Companies don’t necessarily list every available discount in a way that’s easy to find, so the below list has a few of the more well known and the harder-to-find credits available to bring down your rates.

  • Accident Forgiveness – but certain companies may permit one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
  • Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
  • Good Grades Discount – Excelling in school can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
  • Defensive Driving Course – Passing a course in safe driver could cut 5% off your bill if you qualify.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can pay as much as 50% less for F-350 Super Duty coverage compared to accident prone drivers.
  • Low Mileage – Maintaining low annual mileage may enable drivers to earn substantially lower auto insurancerates.
  • E-sign – A few larger companies will provide an incentive for completing your application on the web.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save 5% or more.

Discounts save money, but please remember that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

The best auto insurance companies and a selection of discounts are included below.

  • Travelers discounts include hybrid/electric vehicle, continuous insurance, save driver, multi-policy, and payment discounts.
  • 21st Century has discounts for student driver, 55 and older, automatic seat belts, air bags, homeowners, theft prevention, and early bird.
  • State Farm policyholders can earn discounts including anti-theft, driver’s education, safe vehicle, multiple policy, good student, Drive Safe & Save, and defensive driving training.
  • GEICO may have discounts that include anti-theft, driver training, multi-vehicle, five-year accident-free, emergency military deployment, and defensive driver.
  • SAFECO offers premium reductions for bundle discounts, drive less, safe driver, homeowner, and anti-theft.
  • AAA has savings for good student, anti-theft, AAA membership discount, multi-policy, and education and occupation.

It’s a good idea to ask every insurance company the best way to save money. Discounts might not be available to policyholders everywhere.

Insurance is unique, just like you

When choosing the best insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions can aid in determining whether your personal situation might need professional guidance.

  • Are my friends covered when driving my car?
  • Do I pay less if my vehicle is kept in my garage?
  • Can my babysitter drive my car?
  • How can I force my company to pay a claim?
  • What discounts do I qualify for?
  • Should I waive the damage coverage when renting a car?
  • What if I total my 2015 Ford F-350 Super Duty and owe more than it’s worth?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

The auto insurance bait and switch

Progressive, Allstate and GEICO consistently run ads on TV and radio. They all seem to make the point about savings just by moving your policy. That’s great but how can every company offer drivers better rates? This is the way they can do it.

Companies have a certain “appetite” for the type of driver that earns them the highest profit. One example of this type of driver might have to be between the ages of 40 and 55, has a clean driving record, and drives a car with an anti-theft system. A customer getting a price quote who fits that profile will get low car insurance rates and as a result will probably save if they switch.

Consumers who fall short of this stringent profile will see higher rates and this results in the customer not buying. If you listen closely, the ads state “customers who switch” but not “everyone who gets a quote” save that much. That is how insurance companies can confidently claim big savings. This really illustrates why you should compare price quotes frequently. It is impossible to guess the company that will have the best rates.

Insurance coverage considerations

Knowing the specifics of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-350 Super Duty.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, vandalism, a tree branch falling on your vehicle and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses for things like hospital visits, EMT expenses and dental work. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance will pay to fix damage to your F-350 Super Duty caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, sustaining damage from a pot hole, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims like medical services, attorney fees, legal defense fees, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Compare but don’t skimp

When you buy auto insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

Throughout this article, we presented some good ideas how you can save on 2015 Ford F-350 Super Duty insurance. The key thing to remember is the more price quotes you have, the better likelihood of getting the cheapest auto insurance. You may even discover the biggest savings come from an unexpected company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

More tips and info about insurance coverage is available at these sites: