2002 Ford F-350 Super Duty Car Insurance Cost – 5 Ways to Save

Trying to find better insurance coverage rates for your Ford F-350 Super Duty? Expensive insurance coverage can empty your savings account and put a big crunch on your finances. Comparing price quotes is a smart way to help make ends meet. Drivers have so many car insurance companies to pick from, and though it is a good thing to have multiple companies, lots of choices makes it harder to adequately compare rates.

Take these five discounts and save

Companies don’t always publicize all their discounts in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Passive Restraints and Air Bags – Factory air bags can qualify for discounts up to 30%.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.

It’s important to understand that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

For a list of providers offering insurance coverage discounts, click here to view.

The quickest way to get policy rate comparisons utilizes the fact almost all companies will pay a fee to give you rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like the make and model of your vehicles, how much school you completed, if the car is leased, and how old drivers are. That rating data gets transmitted to all major companies and you will get price comparisons immediately.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage coverage, there really is not a one size fits all plan. Each situation is unique so your insurance needs to address that. For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • What happens if I owe more than my 2002 Ford F-350 Super Duty is worth?
  • When should I remove comp and collision on my 2002 Ford F-350 Super Duty?
  • Can I rent a car in Mexico?
  • Can I afford to buy a different vehicle if my 2002 Ford F-350 Super Duty is totaled?
  • If I drive on a suspended license am I covered?
  • Is my dog or cat covered if injured in an accident?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages 101

Having a good grasp of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Uninsured or underinsured coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Ford F-350 Super Duty.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like ambulance fees, nursing services and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, hail damage and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage – This coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as bail bonds, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Collision coverage – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, damaging your car on a curb, crashing into a building, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Best coverage at the best price

In this article, we covered some good ideas how you can shop for 2002 Ford F-350 Super Duty insurance online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with some of the lesser-known companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

When you buy insurance online, do not skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Additional insurance coverage information is located below: