2008 Ford F-350 Super Duty Car Insurance Rates – 8 Tips for Cheaper Quotes

Looking for cheaper insurance coverage rates for your Ford F-350 Super Duty? Finding cheaper insurance for a Ford F-350 Super Duty can normally be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are more efficient ways to compare insurance coverage rates and we’ll show you the proper way to quote coverages for your Ford and get the cheapest rates from both online companies and local agents.

It’s a great practice to price shop coverage periodically since rates trend upward over time. Just because you found the best rates on F-350 Super Duty coverage a couple years back a different company probably has better rates today. So forget all the misinformation about insurance coverage because we’re going to show you the things you must know in order to save money, get proper coverage and the best rates.

Finding affordable coverage is quite easy. If you have a policy now or need new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Consumers just need to understand how to get comparison quotes online.

Compare Insurance Coverage Today

Shopping for lower insurance coverage rates can be a daunting task if you don’t know the most efficient way. You could spend your day talking about coverages with agents in your area, or you could use online quoting to get rates in a matter of minutes.

The majority of car insurance companies participate in a marketplace that allows shoppers to complete one form, and each participating company returns a competitive quote determined by their information. This prevents consumers from doing quote forms to each company.

To use this form to compare 2008 Ford F-350 Super Duty insurance rates click to open in new window.

The single downside to getting quotes like this is that consumers can’t choose the insurers you want pricing from. If you would rather choose from a list of companies to compare, we have a page of low cost insurance coverage companies in your area. View list of insurance companies.

However you get your quotes, double check that you are using apples-to-apples coverage limits for each comparison quote. If your comparisons have different deductibles it will be next to impossible to determine the best price for your Ford F-350 Super Duty.

Verify you’re getting all your discounts

Car insurance companies don’t necessarily list every discount very well, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If you don’t get every credit you deserve, you are throwing money away.

  • Student in College – Kids in college who are attending college and do not have a car can receive lower rates.
  • Homeowners Discount – Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • Sign Online – Some insurance companies may give you up to $50 for buying a policy and signing up online.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in high school.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

A partial list of companies who might offer these discounts include:

It’s a good idea to ask every prospective company how you can save money. All car insurance discounts might not be offered everywhere.

When should I talk to an agent?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

  • If my 2008 Ford F-350 Super Duty is totaled, can I afford another vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I getting all the discounts available?
  • What is covered by UM/UIM coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” 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 purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills such as doctor visits, EMT expenses, hospital visits and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, theft and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.


Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things such as bail bonds, legal defense fees and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Collision coverage protection

This will pay to fix damage to your F-350 Super Duty resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, crashing into a building, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Be a smart shopper

In this article, we presented many tips how you can shop for 2008 Ford F-350 Super Duty insurance online. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with a small mutual company.

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where an insured cut full coverage and learned later that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at an affordable rate.

Cheap insurance is definitely available online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

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