2003 Ford F-350 Super Duty Insurance Quotes

Looking for cheaper car insurance rates for your Ford F-350 Super Duty? I can’t think of a single person who likes having to buy car insurance, in particular when their premiums are through the roof.

Many car insurance companies vie to insure your vehicles, and it can be difficult to compare rates to get the lowest price

You should make it a habit to check car insurance prices on a regular basis because insurance rates fluctuate regularly. Just because you had the best price on F-350 Super Duty insurance a few years ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to learn one of the best ways to get good coverage at a lower rate.

If you are paying for car insurance now, you should be able to save some money using this information. Finding affordable coverage is easy if you know what you’re doing. Nevertheless, consumers must learn the methods companies use to market on the web.

Insurance Coverage Quote Comparison

There are several ways you can shop for Ford F-350 Super Duty insurance coverage and some are less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you could use the web to get rate comparisons in just a few minutes.

Most car insurance companies belong to a marketplace where prospective buyers complete one form, and each participating company then returns a price quote determined by their information. This saves time by eliminating quotation requests for each company.

To use this form to compare 2003 Ford F-350 Super Duty insurance rates click here (opens in new window).

The only downside to comparing rates this way is you cannot specify the providers to get quotes from. If you would rather choose individual companies to request quotes from, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples quote information on every quote. If you are comparing different liability limits it’s impossible to decipher which rate is best. Just a small difference in coverages can make a big difference in price. And when comparing insurance coverage rates, know that comparing more company’s prices provides better odds of finding a lower rate.

Lesser-known factors impacting Ford F-350 Super Duty insurance rates

Smart consumers have a good feel for some of the elements that play a part in calculating insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

Shown below are a partial list of the pieces companies use to determine rates.

  • Multiple policies with one company can save – Most insurance companies will give a discount to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still be able to find better rates by buying insurance from more than one company.
  • Your age impacts your rates – Mature drivers tend to be more responsible, tend to file fewer claims and get fewer tickets. Teen drivers tend to be careless and easily distracted in a vehicle and because of this, their insurance rates are much higher.
  • Credit scores impact insurance rates – Credit history is a big factor in your rate calculation. So if your credit is not that good, you could save money insuring your 2003 Ford F-350 Super Duty by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit scores.
  • How’s your driving record? – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one citation can boost insurance rates by twenty percent. Careful drivers get better rates compared to drivers with tickets. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Equipment add-ons that lower insurance rates – Owning a car with an alarm system can help bring down rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Do you have enough liability coverage? – Liability insurance is the coverage that protects you in the event that a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Keep rates low by being claim-free – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Auto insurance companies provide cheaper rates to policyholders who are claim-free. Your insurance policy is intended for larger claims.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but a few need to be inquired about before they will apply.

  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on F-350 Super Duty insurance with select insurance companies.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance.
  • Sign Online – Some insurance companies give back up to $50 simply for signing digitally online.
  • Multiple Policy Discount – If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Drive Less and Save – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Homeowners Pay Less – Owning a home may trigger a insurance coverage policy discount because maintaining a house shows financial diligence.
  • Passive Restraints – Cars that have air bags may earn rate discounts of 20% or more.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.

It’s important to understand that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will cut your overall premium however.

Car insurance companies that may have these money-saving discounts may include but are not limited to:

Check with every prospective company which discounts they offer. All car insurance discounts might not be offered in your state.

Tailor your coverage to you

When buying the best insurance coverage coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might point out if you would benefit from professional advice.

  • Why am I required to buy high-risk coverage?
  • What is PIP insurance?
  • I have a DUI can I still get coverage?
  • Should I put collision coverage on all my vehicles?
  • Do I have newly-aquired coverage?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Coverage specifics

Knowing the specifics of insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.

Collision – Collision insurance pays for damage to your F-350 Super Duty resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, scraping a guard rail, colliding with a tree, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage kick in for expenses such as surgery, chiropractic care and hospital visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, theft, rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The most your insurance company will pay 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.

Auto liability insurance – This coverage protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like bail bonds, repair costs for stationary objects, medical services and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Ford F-350 Super Duty.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

A fool and his money are soon parted

We covered a lot of techniques to reduce 2003 Ford F-350 Super Duty insurance prices online. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even find the lowest rates come from an unexpected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.

Affordable insurance is available both online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

Additional information