Lower Your 2014 Ford F-350 Super Duty Insurance Quotes

Nobody that owns a car gets a kick out of paying for auto insurance, especially knowing they are paying too much.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate persitently shower you with fancy advertisements and it can be hard to ignore the propoganda and take the time to shop coverage around.

It’s smart to quote other rates quite often because prices are rarely the same from one policy term to another. If you had the best deal on F-350 Super Duty coverage a few years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because it’s time to teach you the right way to find lower rates on auto insurance.

Car insurance companies offer many discounts

Not many people think insurance is cheap, but there could be significant discounts to reduce the price significantly. Most are applied when you quote, but a few must be specifically requested before you will receive the discount.

  • No Charge for an Accident – Not necessarily a discount, but certain companies will turn a blind eye to one accident before raising your premiums so long as you are claim-free prior to being involved in the accident.
  • Paper-free Discount – Some of the larger companies will give you a small discount just for signing your application digitally online.
  • Discount for Good Grades – Being a good student can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
  • Pay Early and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Federal Government Employee – Active or former government employment may qualify for a discount when you quote insurance on F-350 Super Duty coverage with a few car insurance companies.

One last thing about discounts, most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, car insurance companies aren’t that generous.

A few popular companies and some of their more popular discounts can be found below.

  • Esurance includes discounts for Switch & Save, defensive driver, good driver, anti-lock brakes, anti-theft, and Pac-12 alumni.
  • The Hartford discounts include vehicle fuel type, bundle, defensive driver, good student, and driver training.
  • AAA has savings for AAA membership discount, multi-policy, good student, multi-car, pay-in-full, education and occupation, and anti-theft.
  • GEICO offers premium reductions for seat belt use, federal employee, anti-lock brakes, membership and employees, defensive driver, and good student.
  • State Farm offers discounts including multiple autos, defensive driving training, student away at school, Drive Safe & Save, multiple policy, driver’s education, and good student.

Check with each company or agent how many discounts you can get. A few discounts might not apply in your state. For a list of companies that provide some of the discounts listed above, follow this link.

How to buy insurance coverage online

Performing a rate comparison can take hours if you don’t understand the best way to get rate quotes. You could spend the better part of a day driving to insurance companies in your area, or you can stay home and use online quotes to get prices fast.

The majority of car insurance companies belong to a marketplace that allows shoppers to submit their information once, and each company can give them a price determined by their information. This saves time by eliminating quotation requests for every insurance coverage company.

To submit your quote information now, click to open in new window.

One minor caviat to pricing coverage this way is you don’t know exactly which companies you will receive quotes from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of companies who write insurance coverage in your area. Click here to view list.

The approach you take is up to you, just make sure you use apples-to-apples coverage limits for every company. If you compare differing limits you will not be able to determine the lowest rate for your Ford F-350 Super Duty. Slightly different insurance coverages or limits can result in a big premium difference. It’s important to know that comparing a large number of companies helps locate more affordable insurance.

Do I just need basic coverages?

When it comes to buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you would benefit from professional advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when driving on a suspended license?
  • Does my 2014 Ford F-350 Super Duty need full coverage?
  • Does my car insurance cover rental cars?
  • Is a fancy paint job covered?
  • How high should deductibles be on a 2014 Ford F-350 Super Duty?
  • Is my 2014 Ford F-350 Super Duty covered for smoke damage?
  • I have health insurance so do I need medical payments coverage?
  • How does medical payments coverage work?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Insurance coverage specifics

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

Protection from uninsured/underinsured drivers – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, a tree branch falling on your vehicle, vandalism, rock chips in glass and hitting a bird. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – This coverage pays for damage to your F-350 Super Duty caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, sideswiping another vehicle, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Liability car insurance – Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like loss of income, bail bonds, medical services and medical expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like ambulance fees, X-ray expenses and funeral costs. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

What is YOUR best insurance company?

Cheap 2014 Ford F-350 Super Duty insurance is definitely available on the web and from local insurance agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some auto insurance companies don’t offer price quotes online and most of the time these smaller companies prefer to sell through local independent agencies.

In this article, we covered a lot of information how to shop for 2014 Ford F-350 Super Duty insurance online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your premium rates. Drivers may discover the lowest car insurance rates are with a small mutual company. These smaller insurers often have lower premium rates on specific markets compared to the large companies like Allstate and Progressive.

More information