Cheaper 2015 Ford F-350 Super Duty Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you there are lots of people in the same boat.

Online insurance companies like State Farm, Geico and Farmers Insurance all promote huge savings with ad campaigns and it is difficult to see past the geckos and flying pigs and find the best price available.

If you have car insurance now, you will be able to cut costs considerably using these techniques. Buying car insurance is quite easy. But drivers need to have an understanding of how insurance companies market insurance on the web and use this information to your advantage.

Pay less by taking advantage of discounts

Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but some may not be applied and must be inquired about prior to getting the savings.

  • No Accidents – Drivers with accident-free driving histories pay much less compared to drivers who are more careless.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Defensive Driver – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you will save 10% to 20% off each policy.
  • Auto/Life Discount – Larger companies have better rates if you take out a life insurance policy as well.
  • Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Homeowners Discount – Owning a home can save you money because owning a home is proof that your finances are in order.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will reduce your premiums.

Companies who might offer these money-saving discounts are:

It’s a good idea to ask every prospective company which discounts they offer. Discounts may not apply in your state.

Comparison of Insurance

Comparing insurance rates can take time and effort if you don’t know the fastest way to get free quotes. You can waste hours discussing policy coverages with local insurance agents in your area, or you can utilize the internet to get the quickest rates.

Most of the best insurance companies take part in a program that allows shoppers to only type in their quote data once, and each company returns a competitive quote based on that information. This prevents consumers from doing quote requests for every insurance company.

To participate in this free quote system, click to open in new window.

The single downside to doing it this way is you cannot specify which providers you will receive quotes from. So if you prefer to pick specific insurance companies to compare prices, we have a page of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make darn sure you compare the exact same deductibles and coverage limits for every quote you compare. If your comparisons have unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best. Just a small difference in limits can make a big difference in price. And when comparing insurance rates, know that getting more free quotes will improve the odds of getting a better price.

Ford F-350 Super Duty insurance premiums are calculated by many factors

Consumers need to have an understanding of some of the elements that play a part in calculating your insurance rates. Understanding what influences your rates enables informed choices that could result in big savings.

  • Multi-policy discounts can save money – Most insurers give discounts to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to shop around to verify if the discount is saving money.
  • Don’t buy coverages you don’t need – There are quite a few add-on coverages that you can get tricked into buying on your 2015 F-350 Super Duty policy. Coverages like roadside assistance, accidental death and additional equipment coverage are examples of these. These may sound like a good investment when talking to your agent, but now you might not need them so get rid of them and save.
  • Safer cars cost less to insure – Safer cars tend to have better insurance rates. These vehicles protect occupants better and fewer injuries means lower claim amounts passed on to you as lower rates. If the Ford F-350 Super Duty scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Don’t sacrifice liability coverage – Liability insurance will protect you if ever a jury decides you are liable for damages caused by your negligence. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Clean credit earns discounts – Having a bad credit rating is a large factor in your rate calculation. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with lower credit ratings. If your credit score can use some improvement, you could pay less to insure your 2015 Ford F-350 Super Duty by repairing your credit.
  • Older drivers pay less – Teenage drivers tend to be more careless behind the wheel so they pay higher insurance rates. Parents adding a teenage driver to your policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.

Your coverage should be tailored to you

When choosing the best insurance coverage coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. These are some specific questions can aid in determining if your situation would benefit from professional advice.

  • Should I have a commercial auto policy?
  • Who is covered by my policy?
  • Does insurance cover tools stolen from my truck?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when delivering products for my home-based business?
  • Can I afford to pay high deductible claims out of pocket?
  • Who is covered when they drive my 2015 Ford F-350 Super Duty?
  • Do I need roadside assistance coverage?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance coverage information

Learning about specific coverages of a insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, hitting a bird and hail damage. The highest amount 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 it’s not worth carrying full coverage.

UM/UIM Coverage

This provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford F-350 Super Duty.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Medical costs insurance

Med pay and PIP coverage kick in for expenses such as funeral costs, ambulance fees, nursing services and rehabilitation expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

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

Collision insurance covers claims such as crashing into a ditch, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Liability insurance

Liability coverage will cover damage that occurs to other’s property or people that is your fault. It protects you against claims from other people, and does not provide coverage for 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. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like emergency aid, funeral expenses, repair costs for stationary objects, legal defense fees and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Final thoughts

Low-cost 2015 Ford F-350 Super Duty insurance is attainable on the web in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not provide online price quotes and these regional insurance providers work with independent agents.

Throughout this article, we presented many tips how you can shop for insurance online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Consumers may even find the lowest priced insurance coverage comes from a lesser-known regional company. These companies may only write in your state and offer lower rates than their larger competitors like Allstate or State Farm.

For more information, link through to the resources below: