2000 Ford F-350 Super Duty Insurance Rates – 7 Ways to Save

Searching for the cheapest insurance coverage rates for your Ford F-350 Super Duty? Finding cheap prices for insurance coverage may be quite difficult for drivers new to online rate comparisons. There are so many options available that it can quickly become a chore to find the perfect company for you.

These seven discounts can lower your auto insurance rates

Some companies don’t always publicize all their discounts very well, so below is a list a few of the more well known and also the more inconspicuous auto insurance savings.

  • Responsible Driver Discount – Drivers without accidents can save as much as half off their rates on F-350 Super Duty insurance as compared to drivers with claims.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Save with More Vehicles Insured – Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Defensive Driver Discount – Successfully completing a driver safety class could cut 5% off your bill depending on where you live.
  • Club Memberships – Being a member of specific professional or occupational memberships or organizations may earn a discount on your bill.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Liberty Mutual and GEICO will let one accident slide before hitting you with a surcharge if you have no claims for a certain period of time.
  • Policy Bundle Discount – When you combine your auto and homeowners insurance with one company you could get a discount of nearly 15% which can help you find the cheapest insurance coverage.

Please keep in mind that most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky.

Larger auto insurance companies and some of their more popular discounts can be found below.

  • American Family has savings for air bags, Steer into Savings, bundled insurance, good driver, defensive driver, and early bird.
  • State Farm may have discounts that include multiple autos, driver’s education, accident-free, Drive Safe & Save, and passive restraint.
  • 21st Century offers discounts including theft prevention, 55 and older, teen driver, driver training, homeowners, and good student.
  • Travelers has discounts for save driver, continuous insurance, good student, multi-policy, and IntelliDrive.
  • GEICO offers premium reductions for multi-vehicle, good student, anti-lock brakes, seat belt use, federal employee, air bags, and defensive driver.

When getting a coverage quote, ask every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not be available in every state. For a list of auto insurance companies that provide some of the discounts listed above, follow this link.

Free auto insurance price quotes

Comparing auto insurance rates can be exhausting if you aren’t aware of the best way to get rate quotes. You can waste hours driving to local insurance agents in your area, or you could save time and use the web to get pricing more quickly.

Most car insurance companies participate in a marketplace where insurance shoppers complete one form, and at least one company can provide price quotes based on that data. This saves time by eliminating quote forms to every company.

To get comparison pricing now click here to start a free quote.

The one disadvantage to pricing coverage this way is that consumers can’t choose which companies to get pricing from. If you prefer to choose individual companies to compare prices, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but make sure you compare exactly the same quote data on every quote you get. If your comparisons have different data you will not be able to determine the best price for your Ford F-350 Super Duty. Just slight variations in coverages may result in a large different in cost. Keep in mind that quoting more helps you find a better price. Some companies don’t provide rate quotes online, so it’s important to also get price estimates from them, too.

Different people need different insurance coverages

When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Each situation is unique.

For instance, these questions may help highlight whether your personal situation might need professional guidance.

  • Am I getting all the discounts available?
  • Should I drop comprehensive coverage on older vehicles?
  • How many claims can I have before being cancelled?
  • When do I need to add a new car to my policy?
  • Does coverage extend to a rental car in a foreign country?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverages explained

Having a good grasp of car insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverage – This coverage covers damage to your F-350 Super Duty from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, crashing into a ditch, scraping a guard rail, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like X-ray expenses, dental work and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Coverage for liability – Liability coverage protects you from injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims such as pain and suffering, bail bonds and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, theft, hail damage and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford F-350 Super Duty.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

A fool and his money are soon parted

When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed uninsured motorist or liability limits to discover at claim time that it was a big error on their part. The goal is to get the best coverage possible at an affordable rate, but do not skimp to save money.

We just presented many tips how you can compare 2000 Ford F-350 Super Duty insurance premium rates online. It’s most important to understand that the more providers you compare, the better likelihood of getting the cheapest insurance coverage. You may be surprised to find that the lowest premium rates are with an unexpected company.

Consumers leave their current company for any number of reasons including not issuing a premium refund, an unsatisfactory settlement offer, delays in responding to claim requests and policy non-renewal. It doesn’t matter why you want to switch finding the right auto insurance provider is not as hard as you think.

Additional auto insurance information can be read on the following sites: