Lower Your 2010 Ford F-350 Super Duty Insurance Rates

I can’t think of anyone who looks forward to buying insurance, especially when their premiums are through the roof. Popular companies such as Allstate and Progressive all claim big savings, bombarding you with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

It’s important to check insurance prices periodically since rates are constantly changing. Just because you found the lowest price for F-350 Super Duty insurance six months ago you will most likely find a better rate today. So just forget anything you know (or think you know) about insurance because we’re going to show you the fastest way to save money, get proper coverage and the best rates.

Cut your insurance coverage rates with discounts

Companies that sell car insurance don’t necessarily list all available discounts very clearly, so we break down both well-publicized and the harder-to-find insurance coverage savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Club Memberships – Participating in certain professional organizations could trigger savings when shopping for insurance coverage for F-350 Super Duty insurance.
  • Student in College – Children who are attending college and don’t have a car may be able to be covered for less.
  • Low Mileage – Keeping the miles down on your Ford can earn discounted rates on garaged vehicles.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • No Accidents – Drivers who don’t have accidents pay less when compared with bad drivers.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance.

Consumers should know that some credits don’t apply to the entire cost. Most cut specific coverage prices like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies that possibly offer these discounts may include but are not limited to:

Check with every prospective company how you can save money. All car insurance discounts might not apply in every state.

You are unique and your insurance coverage should be too

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

  • How can I get high-risk coverage after a DUI?
  • Is my 2010 Ford F-350 Super Duty covered for flood damage?
  • How high should my uninsured/underinsured coverage be in my state?
  • When should my teen driver be added to my policy?
  • Do I need rental car coverage?
  • Do I have coverage if my license is suspended?
  • Do I benefit by insuring my home with the same company?
  • Is my state a no-fault state?
  • I have a DUI can I still get coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Can switching companies really save?

Drivers constantly see and hear ads that promise big savings from the likes of Progressive, Allstate and Geico. All the companies have a common claim that you can save if you change your coverage to them.

How does each company say the same thing? It’s all in the numbers.

All the different companies are able to cherry pick for the type of driver that makes them money. A good example of a driver they prefer might be profiled as a mature driver, has no tickets, and has excellent credit. Any driver who meets those qualifications will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don’t measure up to the requirements will be charged higher rates which usually ends up with the customer not buying. The ads state “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently state the savings. That is why it is so important to get as many quotes as possible. You cannot predict the company that will provide you with the cheapest Ford F-350 Super Duty insurance rates.

Insurance coverages explained

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, falling objects, hitting a bird, a tree branch falling on your vehicle and a broken windshield. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments – Med pay and PIP coverage reimburse you for immediate expenses such as surgery, hospital visits, ambulance fees, X-ray expenses and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – This pays for damage to your F-350 Super Duty caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Coverage for liability – This coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like repair bills for other people’s vehicles, medical services and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Money doesn’t grow on trees

Affordable 2010 Ford F-350 Super Duty insurance is possible online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

We covered a lot of techniques to reduce insurance prices online. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even discover the best prices are with a small local company. These companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive and Geico.

To learn more, feel free to browse the resources below: