Cheapest 2008 Ford F-350 Super Duty Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Looking for better car insurance rates for your Ford F-350 Super Duty? Expensive car insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill.
Insurance companies such as Progressive, State Farm and GEICO constantly blast consumers with advertising and it is difficult to avoid their marketing magic and find the best price available.
It’s a good habit to price shop coverage at least once a year since insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest price for F-350 Super Duty insurance on your last policy a different company probably has better rates today. So just forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the best methods to find better rates and still maintain coverage.
If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you is quite easy. Nevertheless, vehicle owners need to have an understanding of how insurance companies price online insurance and use this information to your advantage.
Fast and Easy Auto Insurance Quotes
Shopping for lower auto insurance rates can be challenging if you don’t utilize the easiest way. You can waste a lot of time talking about coverages with agents in your area, or you could use online quoting to maximize your effort.
Many insurance companies take part in a program where insurance shoppers complete one form, and each company returns a rated price for coverage. This eliminates the need for quote requests to each individual auto insurance company. To find out what other companies charge for 2008 Ford F-350 Super Duty insurance click here to start a free quote.
One minor caviat to comparing rates this way is you are unable to specify which providers you want to price. So if you prefer to pick specific insurance companies to compare, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.
It’s up to you how you get prices quotes, just make darn sure you compare identical coverages and limits for every quote you compare. If you have different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Ford F-350 Super Duty. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparing auto insurance rates, know that obtaining a wide range of quotes will increase your chances of finding a lower rate.
Best discounts on Ford F-350 Super Duty coverage
Properly insuring your vehicles can get expensive, but you can get discounts to help offset the cost. Most are applied at the time of purchase, but a few need to be specifically requested before they will apply.
- Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
- Memberships – Being a member of a qualifying organization could qualify you for a break on your policy for F-350 Super Duty insurance.
- College Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
- E-sign – Some insurance companies give back up to $50 for buying a policy and signing up on their website.
- Payment Discounts – If you pay your bill all at once rather than paying monthly you could save up to 5%.
- Low Mileage Discounts – Keeping the miles down on your Ford could qualify for discounted rates on garaged vehicles.
As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will reduce the cost of coverage.
A partial list of companies that possibly offer these benefits are:
It’s a good idea to ask all companies you are considering how you can save money. Discounts may not apply everywhere.
What determines your Ford F-350 Super Duty insurance premium
It’s important that you understand the different types of things that come into play when calculating auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get lower auto insurance prices.
- More claims means more premium – Insurance companies award cheaper rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for larger claims.
- Discounts for multiple policies – Many insurance companies will give a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. If you currently are using one company, you still need to compare other company rates to verify if the discount is saving money. You may still find better rates by buying auto insurance from a different company.
- Where do you drive? – The more miles you rack up on your Ford in a year’s time the higher your rate. The majority of insurers rate vehicles based on how the vehicle is used. Cars not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your auto insurance policy is showing how each vehicle is driven. If your policy improperly rates your F-350 Super Duty can cost quite a bit.
- Theft deterrents lower rates – Driving a car with an alarm system can get you a discount on your auto insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
- Policy add-ons can waste money – There are quite a few additional coverages that can waste your money when buying auto insurance. Insurance for rental car reimbursement, accident forgiveness and membership fees are some examples. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
- Never go without insurance – Not having insurance is against the law and auto insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.You may need to prove you have insurance by filing a SR-22 with your state DMV.
- Where you reside plays a part – Being located in small towns and rural areas can save you money when it comes to auto insurance. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft.
- Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company and lower rates for you. If your Ford is rated at least four stars on Safercar.gov you are probably receiving a discount.
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Tailor your coverage to you
When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might point out if your situation would benefit from professional advice.
- What is no-fault insurance?
- What is PIP insurance?
- Does medical payments coverage apply to all occupants?
- Is business property covered if stolen from my car?
- Does my policy cover my teen driver if they drive my company car?
- How can I get high-risk coverage after a DUI?
- Does my 2008 Ford F-350 Super Duty need full coverage?
- Am I covered when driving on a suspended license?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.
Don’t be fooled by advertising claims
Car insurance providers like Allstate and Progressive regularly use television and radio advertisements. They all have a common claim that you’ll save big if you move to their company. But how can every company say the same thing?
Different companies have a preferred profile for the driver that makes them money. For instance, a desirable insured might be profiled as over the age of 40, has no tickets, and has great credit. A customer who fits that profile will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.
Drivers who do not match this ideal profile will be charged a more expensive rate and ends up with business not being written. The ad wording is “people who switch” not “everybody who quotes” save money. That’s the way companies can advertise the way they do.
That is why you absolutely need to quote coverage with many companies. You cannot predict which company will fit your personal profile best.
Coverages available on your policy
Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by car insurance companies.
Medical expense insurance
Medical payments and Personal Injury Protection insurance reimburse you for bills such as chiropractic care, hospital visits, X-ray expenses, EMT expenses and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Coverage for collisions
Collision coverage will pay to fix damage to your F-350 Super Duty caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like crashing into a building, hitting a parking meter, damaging your car on a curb, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Comprehensive (Other than Collision)
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like fire damage, damage from getting keyed, falling objects, vandalism and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2008 Ford F-350 Super Duty.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.
Liability car insurance
Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage pays for claims such as pain and suffering, attorney fees, medical services and bail bonds. How much coverage you buy is a personal decision, but buy as much as you can afford.
Shop around and save
As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, an insured cut collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage for the lowest price.
We’ve covered many ideas to lower your 2008 Ford F-350 Super Duty insurance rates. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the most savings is with the least-expected company. Some small companies may only write in your state and offer lower rates than their larger competitors like State Farm, GEICO and Nationwide.
For more information, feel free to browse the following helpful articles:
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- What to do at the Scene of an Accident (Insurance Information Insitute)
- Drunk Driving Statistics (Insurance Information Insitute)
- Winter Driving (Insurance Information Insitute)
- Vehicle Safety Ratings (iihs.org)
- What is Gap Insurance? (Insurance Information Insitute)
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