Compare 2013 Ford F-350 Super Duty Insurance Quotes

Shoppers have lots of choices when shopping for the lowest priced Ford F-350 Super Duty insurance. They can either waste time driving around trying to get quotes or save time using the internet to compare rates.

There is a better way to shop for insurance and we’ll show you the absolute fastest way to price shop coverage on a Ford and locate the best price possible from local insurance agents and online providers.

Low cost insurance coverage prices

Getting cheap 2013 Ford F-350 Super Duty insurance coverage pricing doesn’t have to be difficult. All you need to do is invest a little time comparing rate quotes online with multiple companies. Price comparisons can be done using a couple different methods.

1. The fastest and easiest way to find low rates is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do separate quote forms for every company. Taking the time to complete one form gets rate comparisons from all major companies. It’s definitely the quickest method.
2. A harder way to obtain and compare quotes online is to take the time to go to the website for every company you want to comare to complete a price quote. For example, let’s assume you want rates from Geico, 21st Century and Farmers. You would need to navigate to each company’s site and punch in your information repeatedly, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make sure you are using nearly identical deductibles and coverage limits for every quote you compare. If you have mixed coverages you will not be able to make an equal comparison.

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Get lower rates with these discounts

Insurance can be prohibitively expensive, but you might be missing out on some discounts to reduce the price significantly. Certain credits will be shown at quote time, but a few need to be requested specifically before you get the savings.

• Multi-car Discount – Buying a policy with multiple cars or trucks on one policy may reduce the rate for each vehicle.
• Fewer Miles Equal More Savings – Low mileage vehicles may allow you to get cheaper premium rates.
• Responsible Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their insurance quote for F-350 Super Duty insurance than less cautious drivers.
• Early Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
• Memberships – Belonging to certain professional organizations could earn you a nice discount on your next auto insurance statement.
• Defensive Driver Discounts – Successfully completing a course in defensive driving could save 5% or more and easily recoup the cost of the course.
• Data Collection Discounts – Insureds that choose to allow driving data collection to track driving habits by installing a telematics device such as State Farm’s In-Drive could save a few bucks as long as the data is positive.
• Senior Citizen Rates – Older drivers can possibly qualify for reduced rates for F-350 Super Duty insurance.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to wear their seat belts could cut 10% or more off the PIP or medical payment premium.

It’s important to understand that some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. So even though you would think you could get a free auto insurance policy, you won’t be that lucky.

A few companies who might offer these money-saving discounts include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

If you need lower rates, check with every prospective company to apply every possible discount. Savings may not be offered everywhere. If you would like to see a list of insurers that offer the discounts shown above, follow this link.

Car insurance can be complex

When buying the best car insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique.

For example, these questions may help you determine whether or not you might need professional guidance.

• Does coverage extend to my business vehicle?
• How can I find cheaper teen driver insurance?
• Do I need special endorsements for business use of my vehicle?
• When would I need rental car insurance?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my custom paint covered by insurance?
• Is extra glass coverage worth it?
• What happens if I owe more than my 2013 Ford F-350 Super Duty is worth?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.

Ford F-350 Super Duty insurance rate factors

A large part of saving on insurance is knowing some of the factors that go into determining your policy premiums. When you know what positively or negatively influences your rates, this allows you to make good choices that will entitle you to cheaper rates. Multiple criteria are used when you get your auto insurance bill. Some are pretty understandable such as your driving record, but others are more transparent like where you live or your vehicle rating.

• Save mileage and save money – The higher the mileage driven every year the more you’ll pay to insure it. Almost all companies rate vehicles partially by how you use the vehicle. Cars and trucks that do not get driven very much qualify for better rates than those that get driven frequently. It’s always a good idea to double check that your policy states the correct driver usage. Improper usage on your F-350 Super Duty can cost quite a bit.
• Drivers with excellent credit save on insurance – An insured’s credit history factor in calculating your insurance rates. Insureds with very good credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. Therefore, if your credit rating is low, you could pay less to insure your 2013 Ford F-350 Super Duty if you clean up your credit.
• Better prices on safer cars – Safer cars tend to have lower insurance rates. These vehicles help reduce the chance of injuries in an accident and fewer injuries means lower claim amounts and cheaper rates on your policy.
• Gals pay lower premiums – Statistics show women are more cautious behind the wheel. It does not mean men are WORSE drivers than women. Both sexes cause at-fault accidents at a similar rate, but males get into accidents with more damage. They also have more aggressive citations such as reckless driving.
• City traffic equals higher costs – Residing in less populated areas may provide you with better prices when talking about insurance. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Residents of big cities have to deal with more auto accidents and a longer drive to work. More time on the road means more chance of being in an accident.

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Insurance myths debunked

Consumers get pounded daily by advertisements that claim the best rates by State Farm and Allstate. They all say the same thing that you’ll save big if you switch your coverage.

How is it possible that every company can charge you less for car insurance? Just pay attention to how they say it.

Most companies provide the lowest rates for the type of driver that earns them the most money. For example, a preferred risk might have to be between the ages of 30 and 50, has few claims, and has excellent credit. Any driver that fits those parameters will get low car insurance rates and will most likely save a lot of money.

Drivers who don’t meet the “perfect” profile will see a higher rate and the customer not buying. If you listen to the ad wording, they say “customers who switch” not “everybody who quotes” save that much money. That is how insurance companies can state the savings.

This really drives home the point why you should get price quotes at each policy renewal. It is impossible to guess which insurance companies will give you lower rates than your current company.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Auto liability insurance

Liability coverage protects you from damage or injury you incur to a person or their property. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as structural damage, emergency aid, attorney fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for collisions

Collision insurance pays for damage to your F-350 Super Duty caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, backing into a parked car, driving through your garage door and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage kick in for expenses such as ambulance fees, chiropractic care, dental work and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your 2013 Ford F-350 Super Duty.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, damage from a tornado or hurricane and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Final considerations

Insureds change insurance companies for any number of reasons including high prices, unfair underwriting practices, high rates after DUI convictions or policy cancellation. It doesn’t matter what your reason, choosing a new insurance company can be pretty painless.

As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, someone dropped comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your objective should be to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Lower-priced 2013 Ford F-350 Super Duty insurance is possible both online in addition to many insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. A few companies may not offer the ability to get quotes online and these small, regional companies only sell through local independent agencies.

For more information, take a look at the resources below:

• Smart Auto Insurance Tips (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)

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