Cheaper 2013 Ford F-450 Super Duty Car Insurance Quotes

Want better car insurance rates for your Ford F-450 Super Duty? Trying to find better insurance prices for a new or used Ford F-450 Super Duty can normally be a painful process, but you can use a few tricks to make it easier.

There is a better way to compare car insurance rates and you need to know the best way to get price quotes for a new or used Ford and locate the lowest price from local insurance agents and online providers.

It’s smart to shop coverage around before your policy renews because rates trend upward over time. Even if you think you had the lowest rates on F-450 Super Duty coverage two years ago you will most likely find a better rate today. So forget anything you know (or think you know) about car insurance because I’m going to teach you one of the easiest ways to remove unneeded coverages and save money.

Ford F-450 Super Duty rate determination is complex

It’s important that you understand the rating factors that play a part in calculating your auto insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.

  • Don’t skimp on liability – Liability coverage provides coverage if ever you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • A clean driving record saves money – Drivers who don’t get tickets get better rates than their less careful counterparts. Even one citation can bump up the cost twenty percent or more. If you have dangerous violations such as DUI or reckless driving may find they need to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • Your job and insurance rates – Careers like judges, social workers and financial analysts tend to have higher average rates due to high stress and lengthy work days. Conversely, occupations like farmers, engineers and the unemployed receive lower rates on F-450 Super Duty coverage.
  • What are your deductibles? – The deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are colliding with a building, vandalism, and windstorm damage. The more money you’re willing to pay, the less your auto insurance will be on F-450 Super Duty coverage.
  • Do men or women drive better? – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women cause accidents at about the same rate, but the men have costlier accidents. Men also statistically have more aggressive citations like reckless driving and DUI. Young males are several times more likely to be in an accident and are penalized with high auto insurance rates.

How to Compare Auto Insurance Rates

Lowering your 2013 Ford F-450 Super Duty auto insurance rates is a fairly straight forward process. All that’s required is to invest a few minutes comparing rates online with multiple companies. This can be done in several different ways.

  • Probably the best way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for a different quote to each individual auto insurance company. Taking the time to complete one form gets you price quotes from auto insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  • A more difficult way to get quotes online consists of going to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, we’ll assume you want to compare rates from Allstate, Safeco and State Farm. To get each rate you have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using the exact same quote information on every quote you get. If you are comparing different limits and deductibles on each one it’s not possible to find the best deal for your Ford F-450 Super Duty.

Buyer beware of insurance advertising tricks

Drivers get pounded daily by advertisements that promise big savings from the likes of State Farm, Geico and Progressive. All the companies have a common claim that you can save if you change your coverage to them.

How can each company say the same thing? This is how they do it.

Different companies have a certain “appetite” for the type of driver that is profitable for them. A good example of a desirable insured could possibly be between 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t measure up to the requirements will have to pay higher rates which leads to business going elsewhere. The ads state “customers that switch” not “people who quote” save money. This is how insurance companies can confidently advertise the savings.

Because of the profiling, drivers must get as many quotes as possible. It’s just too difficult to predict which company will give you the biggest savings on Ford F-450 Super Duty insurance.

Save with discounts on Ford F-450 Super Duty insurance

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied when you purchase, but a few must be specially asked for before you will receive the discount. If you’re not getting every credit you qualify for, you are throwing money away.

  • Save over 55 – Older drivers may receive a discount up to 10% on F-450 Super Duty coverage.
  • College Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Bundle and Save – When you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Defensive Driver – Completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident without raising rates if you are claim-free for a certain period of time.
  • No Claims – Drivers with accident-free driving histories can save substantially compared to accident-prone drivers.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will bring down the amount you have to pay.

For a list of insurance companies who offer auto insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Should I have combined single limit or split liability limits?
  • Do I need motorclub coverage?
  • Will filing a claim cost me more?
  • What companies insure drivers after a DUI or DWI?
  • What is medical payments coverage?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage breakdown

Understanding the coverages of your car insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like doctor visits, EMT expenses, chiropractic care and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive car insurance

This 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 can pay for claims such as falling objects, vandalism and a broken windshield. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

This covers damage to your F-450 Super Duty resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, scraping a guard rail, rolling your car, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Liability

Liability insurance can cover damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different 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 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like repair costs for stationary objects, medical expenses, attorney fees, bail bonds and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

A little work can save a LOT of money

As you restructure your insurance plan, do not reduce needed coverages to save money. There are too many instances where drivers have reduced collision coverage only to regret they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

You just learned many tips how you can get a better price on 2013 Ford F-450 Super Duty insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a smaller regional carrier.

Budget-conscious insurance is possible both online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

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