2006 Ford F-350 Super Duty Insurance Rates – 9 Tips for Best Quotes

Trying to find cheap Driversinsurance can be nearly impossible for drivers not familiar with online rate comparisons. With more and more online companies available, it can easily turn into a difficult mission to find the best price.

Find discounts to get cheap car insurance quotes

Auto insurance companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the list below contains both the well known and also the more inconspicuous ways to save on car insurance.

• Multi-Vehicle Discounts – Buying insurance for primary and secondary vehicles with the same company may reduce the rate for each vehicle.
• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.
• Accident Forgiveness Coverage – Not a discount per se, but some insurance companies will let one accident slide without raising rates so long as you are claim-free for a specific time period.
• Online Discount – A handful of larger companies will provide an incentive for buying your policy over the internet.
• Driver’s Education for Students – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.
• Own a Home and Save – Being a homeowner can earn you a little savings because maintaining a house means you have a higher level of financial diligence.
• Club Memberships – Joining qualifying employment or professional organizations can get you a small discount on your next renewal.
• Multi-policy Discount – If you combine your auto and homeowners policies and place coverage with the same company you will save as much as 10 to 15 percent.
• Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10% off your car insurance quote.

You should keep in mind that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

A few popular companies and some of the premium reductions they offer are detailed below.

• Geico may have discounts that include defensive driver, anti-lock brakes, daytime running lights, multi-vehicle, membership and employees, five-year accident-free, and good student.
• Mercury Insurance offers discounts for annual mileage, accident-free, professional/association, ease of repair, and good driver.
• Farmers Insurance includes discounts for homeowner, good student, bundle discounts, early shopping, teen driver, and multi-car.
• Auto-Owners Insurance may include discounts for good student, anti-lock brakes, paperless, mature driver, group or association, multiple vehicles, and anti-theft.
• Liberty Mutual offers premium reductions for multi-car, safety features, teen driver discount, new move discount, and hybrid vehicle.
• SAFECO offers discounts including bundle discounts, drive less, anti-lock brakes, accident prevention training, and safe driver.
• Progressive has discounts for multi-policy, online quote discount, continuous coverage, good student, homeowner, online signing, and multi-vehicle.
• USAA discounts include driver training, annual mileage, good student, new vehicle, and defensive driver.

Before purchasing a policy, check with every prospective company how you can save money. Some discounts might not be offered on policies in your area. To see a list of companies who offer cheap car insurance quotes, follow this link.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions might help in determining whether or not you might need professional guidance.

• Can my teen drive my company car?
• Will I lose any money if I cancel my policy before it expires?
• Does my policy cover me when driving someone else’s vehicle?
• How much liability do I need to cover my assets?
• Should I buy additional glass protection?
• What is roadside assistance coverage?
• When does my teenage driver need to be added to my policy?
• Am I covered when driving on a suspended license?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Educate yourself about insurance coverages

Knowing the specifics of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

UM/UIM Coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford F-350 Super Duty.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills like surgery, EMT expenses, pain medications, chiropractic care and doctor visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Auto liability

This can cover damage or injury you incur to other people or property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as pain and suffering, loss of income, medical expenses and medical services. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, falling objects and theft. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

Collision coverage pays for damage to your F-350 Super Duty resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Stretch your dollar

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your goal is to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

We just presented a lot of techniques to reduce 2006 Ford F-350 Super Duty insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even find the lowest premium rates are with a lesser-known regional company.

Some insurance companies do not provide the ability to get quotes online and these small insurance companies sell through independent insurance agencies. The cheapest 2006 Ford F-350 Super Duty insurance can be purchased on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection.

Much more information about auto insurance is located on the following sites:

• Young Drivers: The High Risk Years Video (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Rental Reimbursement Coverage (Allstate)