Vehicles > Ford > F-450 Super Duty

Ford F-450 Super Duty Insurance Cost

Finding cheaper car insurance by comparing rates online is easy, plus you might just save a little. The key is to take the time to get as many rate quotes as possible in order to have the lowest rate quotes.

Consumers who are new to the process of buying insurance may think purchasing cheap F-450 Super Duty insurance is going to be difficult. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. By far the easiest way to compare F-450 Super Duty insurance rates is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by these factors

Auto insurance rates for a Ford F-450 Super Duty can vary widely based upon several criteria. Including but not limited to:

  • Your driving record
  • Credit rating
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Crash test rating for your F-450 Super Duty
  • What you do for a living
  • The level of coverage
  • Home ownership saves money

A final factor which can affect F-450 Super Duty insurance cost is the model year. Models that are a few years old have a lower value in comparison to older models so repair costs tend to be lower which will push premiums down. Conversely, newer models may have a trim level with safety features such as a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which can lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to other people or property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision insurance

This pays for damage to your Ford caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. F-450 Super Duty collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your Ford F-450 Super Duty comprehensive insurance. The maximum payout your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is not available in all states and gives slightly broader coverage than med pay.

How Much are Ford F-450 Super Duty Insurance Rates?