2017 Ford F-350 Super Duty Car Insurance Rates – 10 Ways to Save

Looking for the cheapest insurance rates for your Ford F-350 Super Duty? Sick and tired of not being able to afford to insure your Ford every month? You’re in the same situation as many other consumers. Because you have many insurance companies to choose from, it is hard for the average consumer to choose the most affordable insurer.

Smart consumers take time to compare rates at least once a year since insurance prices go up and down regularly. If you had the best price on F-350 Super Duty insurance last year a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you’re about to find out the fastest and easiest way to get good coverage at a lower rate.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Drivers only need to know how to get comparison rates over the internet.

These ten discounts can lower car insurance rates

Car insurance can be pricey, but there are discounts available that you may not even be aware of. Some of these disounts will be visible at quote time, but a few must be asked for before they will apply. If you’re not getting every credit you deserve, you’re just leaving money on the table.

• No Charge for an Accident – This isn’t a discount exactly, but a few companies such as Progressive, Allstate, and Geico allow you one accident without getting socked with a rate hike so long as you are claim-free before the accident.
• Homeowners Discount – Owning a home may trigger a policy discount on car insurance since home ownership requires a higher level of personal finance.
• Employee of Federal Government – Active or retired federal employment may reduce rates when you quote car insurance on F-350 Super Duty insurance with some car insurance companies.
• Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% on F-350 Super Duty insurance compared to rates paid by drivers with frequent claims.
• Save with a New Car – Insuring a vehicle that is new can save up to 30% because new vehicles are generally safer.
• Full Payment Discount – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
• ABS Braking Discount – Cars equipped with ABS or steering control are much safer to drive and qualify for as much as a 10% discount.
• Onboard Data Collection – Drivers that enable companies to look at when and where they use their vehicle by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
• Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
• Distant College Student Discount – Children who live away from home to go to college and do not have a car can receive lower rates.

You should keep in mind that many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will reduce the cost of your policy.

Some of the insurance companies that may include some of the above discounts possibly include:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

If you want cheap car insurance quotes, ask each insurance company to apply every possible discount. All car insurance discounts might not be offered on policies in your area.

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Advertising myths

Drivers can’t ignore all the ads for car insurance savings by companies like Progressive, Allstate and Geico. All the ads seem to make the promise that people will save if you switch your coverage.

How does every car insurance company give you a lower rate? It’s all in the wording.

Insurance providers have a certain “appetite” for the type of driver that is profitable for them. For instance, a desirable insured could possibly be between the ages of 40 and 55, has no driving citations, and the vehicle is rated for pleasure use. A driver who matches those parameters gets the lowest auto insurance rates and will probably save when they switch companies.

People who fall short of the “perfect” profile may be required to pay higher premium rates which usually ends up with the customer not buying. If you pay close attention to the ads, they say “people that switch” but not “all drivers who get quotes” can save as much as they claim. This is how companies can make claims that they all have the best rates. Because every company is different, you absolutely need to compare many company’s rates. Because you cannot predict which insurance companies will provide you with the cheapest prices.

When do I need an agent’s advice?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For example, these questions might help in determining if you will benefit from professional help.

• Is my dog or cat covered if injured in an accident?
• Are my friends covered when driving my car?
• Will I lose any money if I cancel my policy before it expires?
• Is my nanny covered when driving my vehicle?
• Am I covered when driving in Canada or Mexico?
• How high should deductibles be on a 2017 Ford F-350 Super Duty?
• What can I do if my company denied a claim?
• Are rental cars covered under my policy?
• Should I get collision insurance on every vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Car insurance 101

Knowing the specifics of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.

Liability coverage – This can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, vandalism, hitting a deer and a broken windshield. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments – Med pay and PIP coverage reimburse you for bills such as rehabilitation expenses, X-ray expenses, doctor visits and prosthetic devices. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your 2017 Ford F-350 Super Duty.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage – Collision insurance pays for damage to your F-350 Super Duty resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, driving through your garage door, damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

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Be a smart shopper

Cost effective 2017 Ford F-350 Super Duty insurance can be found both online as well as from independent agents, so you should compare both to get a complete price analysis. Some companies may not offer internet price quotes and many times these smaller providers only sell coverage through local independent agencies.

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

More detailed insurance coverage information is available by following these links:

• Anti-Lock Brake FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Should I Buy a New or Used Car? (Allstate)
• Side Impact Crash Tests (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)

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