Trying to find cheaper insurance rates for your Ford F-350 Super Duty? No one likes paying for insurance, especially when their premiums are through the roof. Big-name insurance companies like GEICO and Progressive continually bombard you with catchy ads and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.
Smart consumers take time to compare prices periodically since insurance rates trend upward over time. Even if you got the best rates for F-350 Super Duty coverage on your last policy you will most likely find a better rate today. So forget anything you know (or think you know) about insurance because you’re going to get a crash course in one of the best ways to properly buy coverages and cut your premium.
If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to get lower rates while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Consumers only need to know the best way to find the lowest price over the internet.
An important part of buying insurance is that you know the different types of things that help determine the rates you pay for car insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with lower car insurance prices.
The following are some of the items used by your company to calculate rates.
The best way to compare insurance rates from multiple companies is to understand most of the bigger providers actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is provide a small amount of information including if you lease or own, whether you are married, how much education you have, and whether you have decent credit. That rating information is then submitted to multiple companies and you will get price comparisons within a short period of time.
To compare rates now, click here then complete the form.
Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Some discounts apply automatically when you get a quote, but a few need to be specifically requested before you get the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.
It’s important to note that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will cut the cost of coverage.
To see a list of insurers with the best insurance coverage discounts, click this link.
When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you might need professional guidance.
If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
Having a good grasp of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on most auto insurance policies.
Comprehensive (Other than Collision)
Comprehensive insurance 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 things such as hitting a deer, rock chips in glass and falling objects. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
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 policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as loss of income, emergency aid, repair costs for stationary objects, pain and suffering and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.
Collision insurance will pay to fix damage to your F-350 Super Duty resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-350 Super Duty.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these limits do not exceed the liability coverage limits.
Medical expense insurance
Med pay and PIP coverage provide coverage for immediate expenses such as pain medications, EMT expenses, dental work, nursing services and doctor visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible
When shopping online for insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to find the BEST coverage at the best price, not the least amount of coverage.
In this article, we presented some good ideas how you can get a better price on 2016 Ford F-350 Super Duty insurance. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Drivers may discover the lowest priced insurance coverage comes from a smaller regional carrier. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.
More detailed insurance coverage information can be found in these articles: