2014 Ford F-350 Super Duty Insurance Rates in 2024

Want better auto insurance rates for your Ford F-350 Super Duty? Having to pay for expensive Ford F-350 Super Duty insurance can overdraw your accounts and make it hard to pay other bills. Numerous auto insurance companies battle for your business, and it can be difficult to compare rates to find the best rate

You need to do rate comparisons as often as possible because auto insurance prices are constantly changing. Even if you got the best price on F-350 Super Duty insurance at your last renewal you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the tricks you need to know to lower your annual insurance bill.

How to get low cost car insurance

Lowering your 2014 Ford F-350 Super Duty car insurance rates is not rocket science. All you need to do is take time to compare rate quotes online with multiple companies. This can be accomplished by using one of the methods below.

1. The fastest and easiest way to get quotes would be an industry-wide quote request form. This form prevents you from having to do separate quotation requests for each price estimate. Taking the time to complete one form gets you coverage quotes direct from many companies.
2. A slightly less efficient method to get quotes online requires a trip to each individual company website and repeat the quote process. For instance, we’ll pretend you want to view quotes from GEICO, Farmers and State Farm. You would be required to go to each individual site and repeatedly type in your coverage information, which explains why we recommend starting with the first method.

You can use whichever method you prefer to find lower rates, just try to use apples-to-apples coverage data for each quote you get. If you are comparing mixed coverages it will be impossible to determine the best price for your Ford F-350 Super Duty.

Discounts for cheap insurance coverage rates

Insurance coverage is neither fun to buy or cheap, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be manually applied before they will apply. If you’re not getting every credit you deserve, you may be paying too high a price.

• Pay Early and Save – By making one initial payment rather than spreading payments over time you may reduce your total bill.
• Theft Deterrent Discount – Cars with anti-theft systems can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
• Low Mileage Discounts – Keeping the miles down on your Ford could earn lower insurance coverage rates on the low mileage vehicles.
• Air Bags and Passive Restraints – Vehicles with factory air bags could see savings of 25 to 30%.
• Driver Training Discounts – Taking time to complete a class that teaches defensive driving techniques could possibly earn you a 5% discount and easily pay for the cost of the class.
• Good Students Pay Less – Excelling in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
• Clubs and Organizations – Being in certain professional organizations could qualify you for a break on your bill.

Don’t be shocked that most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. Despite the appearance that all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few of the larger companies and their offered discounts include:

• State Farm offers discounts including anti-theft, good driver, multiple policy, good student, accident-free, and defensive driving training.
• Farmers Insurance may have discounts that include teen driver, youthful driver, mature driver, early shopping, and multi-car.
• Progressive includes discounts for online quote discount, multi-vehicle, online signing, multi-policy, homeowner, continuous coverage, and good student.
• GEICO may offer discounts for emergency military deployment, federal employee, multi-vehicle, anti-theft, driver training, and defensive driver.
• Auto-Owners Insurance has discounts for multiple vehicles, anti-lock brakes, paid in full, paperless, good student, and group or association.
• The Hartford may include discounts for anti-theft, defensive driver, driver training, air bag, good student, and bundle.
• Farm Bureau offers discounts for multi-policy, driver training, renewal discount, youthful driver, good student, and multi-vehicle.
• USAA policyholders can earn discounts including military installation, good student, new vehicle, multi-policy, driver training, and vehicle storage.

If you are trying to find low cost insurance coverage quotes, ask each insurance company how many discounts you can get. Some credits might not be available to policyholders in your area. If you would like to view insurance companies with the best insurance coverage discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might point out whether your personal situation could use an agent’s help.

• If my pet gets injured in an accident are they covered?
• Can I afford low physical damage deductibles?
• Do I pay less if my vehicle is kept in my garage?
• Can I rent a car in Mexico?
• Do I need replacement cost coverage on my 2014 Ford F-350 Super Duty?
• Does car insurance cover theft of personal property?
• Are my tools covered if they get stolen from my vehicle?
• Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It is quick, free and can help protect your family.

How you can control Ford F-350 Super Duty insurance premiums

Many different elements are taken into consideration when you get a price on insurance. A few of the factors are predictable like your driving record, although some other factors are not quite as obvious like where you live or your commute time.

The following are a partial list of the pieces auto insurance companies consider when setting your rate level.

• Your occupation may affect rates – Do you have a high-stress occupation? Occupations like military personnel, air traffic controllers and emergency personnel tend to have higher average rates because of stressful work requirements and extremely grueling work hours. Conversely, occupations such as farmers, historians and homemakers have the lowest average rates on F-350 Super Duty insurance.
• Eliminate unneeded incidental coverages – Insurance companies have many additional coverages that can add up if you don’t pay attention. Insurance for rental car coverage, better glass coverage, and additional equipment coverage may be costing you every month. They may seem good when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
• High deductibles equal low rates – Coverage for physical damage, also known as collision and other-than-collision, helps pay for damage to your vehicle. Some examples of covered claims would be colliding with a building, hitting a deer, or theft. Comprehensive and collision coverage deductibles represent how much money you are required to spend out-of-pocket if a covered claim is submitted. The more money the insured is willing to pay, the less your auto insurance will be on F-350 Super Duty insurance.
• Teenage drivers pay more – More experienced drivers are more responsible, cause fewer claims and accidents , and usually have better credit. Beginning drivers are statistically proven to be inattentive and easily distracted when behind the wheel so auto insurance rates are higher.
• Proper usage rating affects prices – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Most companies calculate rates determined by how the vehicle is used. Autos that are left in the garage cost less to insure than those that get driven frequently. A policy that improperly rates your F-350 Super Duty is throwing money out the window. Ask your agent if your auto insurance declarations sheet states the proper vehicle usage.
• Filing policy claims can cost you more – Companies give better rates to people who file claims infrequently. If you tend to file frequent claims, you can expect higher rates. Your car insurance is intended for the large, substantial claims.
• Why do you need liability coverage? – A critical coverage on your policy, liability insurance will afford coverage in the event that you are responsible for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so do not skimp.
• Where you reside plays a part – Residing in a rural area can be a good thing when it comes to auto insurance. Lower population means reduced accidents and a lower car theft rate. Drivers who live in large cities tend to have more traffic problems and longer commutes to work. Longer commute distances means higher likelihood of an accident.

Car insurance ads are enticing

Consumers can’t ignore all the ads that claim the lowest rates by companies like Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim that you’ll save big if you just switch your car insurance coverage to their company.

How does each company lower your rates? This is the trick they use.

Insurance providers are able to cherry pick for a prospective insured that will be a good risk. For instance, a desirable insured should be over the age of 35, has a clean driving record, and has a short commute. A prospective insured that hits that “sweet spot” gets the lowest prices and as a result will probably save a lot if they switch.

Potential customers who don’t qualify for these criteria may be forced to pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “everyone who quotes” can save as much as they claim. This is how companies can truthfully make those statements. Because of this risk profiling, it is so important to do a price quote comparison at every renewal. It’s just too difficult to predict with any certainty which company will provide the lowest premium rates.

Specifics of your auto insurance policy

Understanding the coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on most auto insurance policies.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

Collision coverage pays for damage to your F-350 Super Duty caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, scraping a guard rail, damaging your car on a curb, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, hitting a bird and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as pain medications, nursing services, chiropractic care and X-ray expenses. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: 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 $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as pain and suffering, loss of income, medical services and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Take this to the bank

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your goal should be to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.

Throughout this article, we presented many tips how you can compare 2014 Ford F-350 Super Duty insurance premium rates online. The most important thing to understand is the more you quote insurance coverage, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the lowest priced insurance comes from an unexpected company. Some small companies may have significantly lower prices on certain market segments compared to the large companies like State Farm or Progressive.