View 2013 Ford F-350 Super Duty Car Insurance Quotes

Consumers have a choice when looking for affordable Ford F-350 Super Duty insurance. You can either waste hours driving around trying to get quotes or use the internet to find the lowest rates. There is a better way to buy car insurance so you’re going to learn the absolute fastest way to quote coverages for your Ford and find the cheapest rates from local insurance agents and online providers.

Consumers should take time to shop coverage around occasionally due to the fact that insurance rates are usually higher with each renewal. Even if you think you had the best deal for F-350 Super Duty coverage six months ago you will most likely find a better rate today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to one of the best ways to reduce your cost while improving coverage.

Buying car insurance is not that difficult. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Drivers just need to learn the most efficient way to shop online.

Save big with these discounts

Companies that sell car insurance do not list every discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known car insurance savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Own a Home – Owning a home can help you save on car insurance because maintaining a house demonstrates responsibility.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for F-350 Super Duty coverage than drivers with accident claims.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
  • Sign Online – Some insurance companies give back up to $50 for buying your policy digitally online.
  • Senior Citizens – Older drivers may qualify for reduced rates for F-350 Super Duty coverage.

It’s important to note that many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of companies with the best car insurance discounts, click here to view.

How to Get Car Insurance

Finding cheaper 2013 Ford F-350 Super Duty car insurance prices is a fairly straight forward process. The only thing you need to do is take a few minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The single most time-saving way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating separate quotes to each individual car insurance company. One simple form gets you price quotes from many national carriers. It’s the fastest way to compare.
  2. A more difficult way to compare prices requires visiting each company website to complete their respective quote request forms. For instance, let’s assume you want comparison quotes from State Farm, Progressive and GMAC. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Whichever way you use, ensure you are comparing exactly the same coverages with every price quote. If each company quotes different values for each quote then you won’t be able to truly determine the lowest rate.

Some factors that can determine what Ford F-350 Super Duty insurance costs

It’s important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that could result in big savings.

Shown below are some of the factors auto insurance companies consider when setting premiums.

  • Males pay more for insurance – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Women and men cause accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations such as reckless driving.
  • Your location affects your rates – Living in small towns and rural areas has it’s advantages when it comes to auto insurance. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Lower population means fewer accidents and also fewer theft and vandalism claims.
  • Traffic violations increase rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Careful drivers get better rates compared to drivers with tickets. Even a single ticket can boost insurance rates by twenty percent. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • One company can mean more discounts – Most companies provide better rates to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to shop around to confirm you are receiving the best rates possible.
  • Do you work long hours in a high stress job? – Occupations such as real estate brokers, executives and dentists have the highest average rates in part from job stress and lengthy work days. Other occupations such as scientists, historians and the unemployed get better rates for F-350 Super Duty coverage.
  • Never allow your policy to lapse – Driving without insurance can get your license suspended and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Theft deterrents lower rates – Owning a car with an alarm system can get you a discount on your auto insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.

But I don’t know anything about car insurance

When buying adequate coverage, there is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

  • When should I remove comp and collision on my 2013 Ford F-350 Super Duty?
  • Why am I required to buy high-risk coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • How can I find cheaper teen driver insurance?
  • Who is covered when they drive my 2013 Ford F-350 Super Duty?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have coverage if my license is suspended?
  • Am I covered when using my vehicle for business?
  • Does coverage extend to Mexico or Canada?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of State Farm and Allstate. They all seem to say the same thing that you can save if you change your coverage to them.

But how can every company make almost identical claims?

Insurance companies can use profiling for the driver that makes them money. For instance, a profitable customer could be between the ages of 40 and 55, owns a home, and drives newer vehicles. Any driver who fits that profile will get very good rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for this ideal profile must pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everyone that quotes” save that much. That’s why companies can truthfully claim big savings. This illustrates why drivers must get quotes from several different companies. You cannot predict which insurance companies will provide you with the cheapest Ford F-350 Super Duty insurance rates.

Car insurance coverages explained

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, damage from getting keyed and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for chiropractic care, funeral costs, rehabilitation expenses, EMT expenses and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Auto collision coverage

This coverage covers damage to your F-350 Super Duty caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability coverage

This protects you from damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like repair bills for other people’s vehicles, repair costs for stationary objects, medical services and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2013 Ford F-350 Super Duty.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Be a penny pincher

Consumers leave their current company for any number of reasons including questionable increases in premium, not issuing a premium refund, high rates after DUI convictions and even lack of trust in their agent. Regardless of your reason for switching companies, finding the right auto insurance provider can be less work than you think.

Cheaper 2013 Ford F-350 Super Duty insurance can be bought both online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. In many cases, an insured cut full coverage only to find out they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

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