2016 Ford F-350 Super Duty Insurance Cost

Looking for better insurance rates for your Ford F-350 Super Duty? Paying for expensive Ford F-350 Super Duty insurance can dry up your family’s budget and force you to make sacrifices. Comparison shopping is free and is an excellent way to tighten up your finances.

You have so many car insurance companies to choose from, and though it is a good thing to be able to choose, so many choices can make it hard to compare rates and cut insurance costs.

Consumers should take time to price shop coverage once or twice a year because prices are usually higher with each renewal. Even if you think you had the lowest price for F-350 Super Duty coverage a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re about to find out how to use the internet to buy cheaper insurance.

How to get insurance price quotes

Effectively comparing insurance prices can be exhausting if you aren’t aware of the most efficient way to do it. You could waste a few hours driving to insurance agencies in your area, or you can stay home and use online quoting to get prices fast.

Most of the larger companies participate in an industry program that enables customers to complete one form, and at least one company then returns a price quote. This saves time by eliminating form submissions to every company.

To enter your information into the quoting system, click here to open in new window.

The only downside to getting quotes like this is you can’t choose the companies you want pricing from. If you would rather choose from a list of companies to request quotes from, we have a listing of low cost insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just ensure you are comparing nearly identical coverages on every quote you get. If you compare different limits and deductibles on each one you will not be able to determine the best price for your Ford F-350 Super Duty. Quoting even small variations in coverages could mean much higher rates. It’s important to know that comparing a wide range of rates will enable you to find a lower rate.

Do I need special coverages?

When it comes to choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help you determine whether or not you will benefit from professional help.

  • What discounts do I qualify for?
  • Do I have coverage when making deliveries for my home business?
  • Does my insurance cover my expensive audio equipment?
  • How do I buy GAP insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Are my tools covered if they get stolen from my vehicle?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance specifics

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Comprehensive protection – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, a broken windshield and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Ford F-350 Super Duty.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for expenses for things like X-ray expenses, chiropractic care and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Collision – Collision coverage pays for damage to your F-350 Super Duty resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability insurance – Liability coverage will cover injuries or damage you cause to other’s property or people. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like medical services, bail bonds, repair costs for stationary objects and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.