Cheap 2003 Ford F-350 Super Duty Car Insurance Cost

Want lower auto insurance rates for your Ford F-350 Super Duty? Feel like you’re a prisoner to high-priced auto insurance? Believe me when I say there are a lot of people just like you who feel imprisoned by their auto insurance policy. Numerous car insurance companies battle to insure your vehicles, and it can be difficult to compare rates and get the definite lowest rate possible.

Cut prices on 2003 Ford F-350 Super Duty insurance

Car insurance can cost a lot, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but a few need to be manually applied prior to receiving the credit. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for F-350 Super Duty coverage with select insurance companies.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Organization Discounts – Belonging to certain professional organizations could qualify you for a break when buying auto insurance for F-350 Super Duty coverage.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
  • No Claims – Good drivers with no accidents can save substantially compared to drivers who are more careless.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for F-350 Super Duty coverage than less cautious drivers.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
  • Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.

Consumers should know that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any amount of discount will cut your premiums.

Companies that may have these benefits include:

Double check with all companies you are considering which discounts you may be entitled to. Savings may not apply in your area.

The quickest method we recommend to compare policy rates is to know the trick auto insurance companies have advanced systems to quote your coverage. To start a quote, the only thing you need to do is give the companies some data such as your education level, whether you have decent credit, if it has an anti-theft system, and how much you drive. Your rating data is instantly provided to multiple companies and you receive quotes within a short period of time.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no one size fits all plan. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining if your situation might need an agent’s assistance.

  • Should I bundle my homeowners policy with my auto?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How much liability insurance is required?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Collision – Collision insurance will pay to fix damage to your F-350 Super Duty resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, hitting a parking meter, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford F-350 Super Duty.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverages – This will cover damages or injuries you inflict on other’s property or people. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as structural damage, emergency aid, attorney fees and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for short-term medical expenses for things like EMT expenses, X-ray expenses and dental work. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, rock chips in glass, falling objects, hail damage and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Never pay more for less

In this article, we presented many ways to lower your 2003 Ford F-350 Super Duty insurance rates. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. In many instances, someone dropped collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at an affordable rate.

Additional information is available on the following sites: