2016 Ford F-350 Super Duty Insurance Quotes – 6 Tips for Cheaper Rates

Consumers have lots of choices when looking for affordable Ford F-350 Super Duty insurance. They can either spend hours contacting agents to compare prices or save time using the internet to make rate comparisons.

There is a right way and a wrong way to find insurance online so you’re going to learn the quickest way to compare rates for a new or used Ford and locate the lowest price.

You need to check insurance prices before your policy renews since rates tend to go up over time. Even if you got the lowest rates for F-350 Super Duty coverage last year a different company probably has better rates today. Forget all the misinformation about insurance because you’re about to find out the things you must know in order to reduce your cost while improving coverage.

Cut your premium with these six discounts

Insuring your fleet can be pricey, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply when you quote, but lesser-known reductions have to be manually applied before being credited. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Claim Free – Claim-free drivers can earn big discounts compared to accident-prone drivers.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Defensive Driver – Completing a course in driver safety could save 5% or more if you qualify.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • Save over 55 – Older drivers may qualify for a discount up to 10% for F-350 Super Duty coverage.
  • Own a Home – Owning a house may trigger a insurance coverage policy discount because of the fact that having a home requires personal responsibility.

It’s important to understand that many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free insurance coverage policy, you’re out of luck. Any amount of discount will bring down the cost of coverage.

For a list of insurance companies who offer insurance coverage discounts, follow this link.

What is the best insurance coverage?

When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions can help discover whether your personal situation could use an agent’s help.

  • Does my policy cover my teen driver if they drive my company car?
  • How can I get my company to pay me more for my totalled car?
  • Do I pay less for low miles?
  • Does my car insurance cover rental cars?
  • Can I make deliveries for my home business?
  • Do I have coverage if my license is suspended?
  • What is the rate difference between pleasure use and commuting?
  • When should I not file a claim?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage

This coverage covers damage to your F-350 Super Duty caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for surgery, doctor visits and ambulance fees. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. 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 limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair bills for other people’s vehicles, funeral expenses, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, theft, fire damage, a broken windshield and damage from getting keyed. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Be a penny pincher

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to find out that the savings was not a smart move. The proper strategy is to find the BEST coverage at the best price.

We just covered quite a bit of information on how to reduce 2016 Ford F-350 Super Duty insurance prices online. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the best prices are with a small local company.

Budget-conscious insurance is possible both online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

Much more information about car insurance is available on the following sites: