Compare 2001 Ford F-350 Super Duty Insurance Rates

Finding better insurance prices for a new or used Ford F-350 Super Duty can normally be a painful process, but you can use a few tricks to save time.

There is a better way to find insurance coverage online and we’ll show you the quickest way to get price quotes for a new or used Ford and locate the best price possible from local insurance agents and online providers.

It’s a good habit to check insurance coverage prices every six months because prices fluctuate regularly. Just because you had the best price for F-350 Super Duty insurance on your last policy there may be better deals available now. So just forget all the misinformation about insurance coverage because it’s time to teach you the tricks you need to know to remove unneeded coverages and save money.

Pricing the cheapest coverage is simple if you know the tricks. If you are insured now or need a new policy, you can follow these tips to shop for the lowest rates and still get good coverage. Drivers just need to understand the proper way to compare company rates on the web.

Free Quotes for Car Insurance

Reducing your 2001 Ford F-350 Super Duty insurance rates can be relatively painless. You just have to spend a few minutes on the computer to compare rate quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

  1. Probably the best way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for boring form submissions for every car insurance company. A single, simple form gets you coverage quotes from multiple low-cost companies. It’s definitely the quickest method.
  2. A more difficult way to shop for car insurance online is going to the website of each company and request a quote. For example, we’ll assume you want to compare Auto-Owners, Esurance and American Family. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
  3. The least recommended way of comparing rate quotes is driving around to and from local insurance agencies. Shopping for car insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance of a local agent. You can, however, comparison shop online but still have the advice of a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but ensure you’re using identical information for each comparison quote. If you use unequal deductibles or liability limits it will be impossible to determine the lowest rate for your Ford F-350 Super Duty.

More discounts equal less premium

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you purchase, but some may not be applied and must be inquired about in order for you to get them. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for F-350 Super Duty insurance with a few insurance companies.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more for F-350 Super Duty insurance than less cautious drivers.
  • Accident Free – Drivers with accident-free driving histories pay less compared to bad drivers.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.

It’s important to understand that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, insurance companies aren’t that generous. But all discounts will bring down your overall premium however.

For a list of insurance companies who offer insurance discounts, follow this link.

It’s not one size fits all

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

  • Is my cargo covered for damage or theft?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is motorclub coverage worth it?
  • Which is better, split liability limits or combined limits?
  • How can I force my company to pay a claim?
  • Do I have coverage when making deliveries for my home business?
  • Should I rate my 2001 Ford F-350 Super Duty as pleasure use or commute?
  • Is my babysitter covered when using my vehicle?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Your Ford F-350 Super Duty insurance rate is a complex equation

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for car insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Your job and insurance rates – Did you know that where you work can have an impact on rates? Occupations such as doctors, executives and dentists are shown to have the highest average rates attributed to high stress and long work hours. Other jobs such as actors, historians and homemakers pay the least for F-350 Super Duty insurance.
  • How credit affects car insurance rates – A driver’s credit score is a big factor in determining what you pay for car insurance. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. Therefore, if your credit history is low, you could be paying less to insure your 2001 Ford F-350 Super Duty by repairing your credit.
  • With age comes lower rates – More mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers are known to be less responsible when driving therefore car insurance rates are much higher.
  • Consolidate policies to earn discounts – The majority of insurance companies provide better rates to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even if you’re getting this discount you may still want to compare other company rates to confirm you are receiving the best rates possible.
  • Where do you drive? – The more you drive in a year’s time the more you will pay for car insurance. Almost all companies charge to insure your cars based on their usage. Vehicles used primarily for pleasure use can get a lower rate than those used for commuting. If your policy improperly rates your F-350 Super Duty may be wasting your money. Double check that your car insurance policy properly reflects the correct driver usage, because it can save money.
  • Liability insurance protects assets – Your policy’s liability coverage provides coverage if a court rules you are at fault for damages from an accident. Liability provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Men are more aggressive – The statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. They both cause accidents in similar numbers, but the men have costlier accidents. Men also statistically receive more costly citations such as reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive car insurance rates.

Do car insurance companies bend the truth?

Drivers can’t ignore all the ads for car insurance savings from the likes of State Farm, Allstate and Geico. They all make the same claim that you can save if you move your coverage to them.

But how can every company say the same thing?

All companies have a certain “appetite” for the type of driver that is profitable for them. For example, a preferred risk could be over the age of 50, owns a home, and drives less than 7,500 miles a year. A driver who matches those parameters is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t meet these standards will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save that much money. That’s why companies can advertise the savings.

Because of the profiling, you should get as many quotes as possible. It is impossible to predict which car insurance company will fit your personal profile best.

Car insurance coverages for a Ford F-350 Super Duty

Knowing the specifics of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for ambulance fees, X-ray expenses, dental work and doctor visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Liability auto insurance – This coverage will cover damage or injury you incur to people or other property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like medical services, structural damage and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle, a broken windshield and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision – Collision coverage 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 will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, rolling your car, scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

In conclusion

We just presented many ways to get a better price on 2001 Ford F-350 Super Duty insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest premiums are with an unexpected company.

Lower-priced insurance is definitely available on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide online quoting and these smaller companies work with independent agents.

Consumers switch companies for many reasons like extreme rates for teen drivers, denial of a claim, poor customer service and lack of trust in their agent. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Additional information