View 2015 Ford F-450 Super Duty Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 29, 2024

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Finding low cost premium rates on insurance is challenging for people not familiar with buying insurance online. With literally dozens of insurers available, it can quickly become more work than you anticipated to find the perfect company for you.

Cheaper rates by taking advantage of discounts

Companies that sell car insurance don’t always advertise every policy discount in a way that’s easy to find, so the below list has some of the more common and also the more inconspicuous discounts you could be receiving when you buy car insurance online. If you are not receiving all the discounts you qualify for, you may be paying too high a price.

  • 55 and Retired – Drivers that qualify as senior citizens can possibly qualify for a small discount on rates for F-450 Super Duty coverage.
  • Good Student – Getting good grades can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
  • Own a Home and Save – Owning a house can help you save on insurance because of the fact that having a home means you have a higher level of financial diligence.
  • Save with a New Car – Insuring a vehicle that is new is cheaper since newer vehicles have better safety ratings.
  • Theft Deterrent System – Cars and trucks equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
  • Paperwork-free – A few larger online companies will provide an incentive for buying a policy and signing up online.
  • Club Memberships – Being a member of qualifying clubs or civic groups could trigger savings on your bill.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings of up to 25% or more.
  • Low Mileage – Keeping the miles down on your Ford could earn lower premium rates due to less chance of an accident.
  • Accident Waiver – Not necessarily a discount, but companies like Liberty Mutual and GEICO will turn a blind eye to one accident without the usual rate increase as long as you don’t have any claims for a particular time prior to the accident.

One last thing about discounts, many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, that’s just not realistic. Any amount of discount will bring down the cost of coverage.

A few popular companies and the discounts they provide are detailed below.

  • Farm Bureau has savings for renewal discount, 55 and retired, multi-vehicle, safe driver, multi-policy, good student, and youthful driver.
  • Liberty Mutual policyholders can earn discounts including preferred payment discount, new move discount, teen driver discount, new graduate, and hybrid vehicle.
  • State Farm offers premium reductions for Steer Clear safe driver discount, defensive driving training, multiple policy, anti-theft, multiple autos, and safe vehicle.
  • Auto-Owners Insurance offers discounts including mature driver, anti-lock brakes, anti-theft, paperless, group or association, multiple vehicles, and safe vehicle.
  • GEICO includes discounts for air bags, emergency military deployment, defensive driver, military active duty, and good student.
  • SAFECO may have discounts that include accident prevention training, teen safety rewards, multi-car, bundle discounts, and anti-lock brakes.

Before buying, ask every company to apply every possible discount. All car insurance discounts may not apply in your area. To view providers with discount rates, enter your zip code here.

How much auto insurance do I need?

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • How can I force my company to pay a claim?
  • What is the rate difference between pleasure use and commuting?
  • What is UM/UIM insurance?
  • Do I need an umbrella policy?
  • What is PIP insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Should I rate my 2015 Ford F-450 Super Duty as pleasure use or commute?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, simply complete your zip code.

Ads can be misleading

Auto insurance providers like Allstate, GEICO and Progressive regularly use television, radio, and online ads. All the companies state the claim that you’ll save big after switching your coverage. It sounds good, but how can they all cost less than your current company?

Insurance companies offer their best rates for the type of driver that is profitable for them. For instance, this type of driver may need to be between the ages of 30 and 50, carries high limits, and drives less than 10,000 miles a year. Anybody that fits those parameters will get low premium rates as well as save quite a bit of money when switching.

People who fall outside this ideal profile may be required to pay higher premium rates and the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers that switch” not “all people who quote” save the amount stated. That is how companies can truthfully make those statements. This emphasizes why drivers must get car insurance quotes as often as possible. It is just not possible to predict which company will have the lowest rate quotes.

Car insurance coverage information

Having a good grasp of your car insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Ford F-450 Super Duty.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability

Liability coverage provides protection from damage that occurs to other people or property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

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 values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, pain and suffering, medical services, attorney fees and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, a broken windshield and hail damage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays for damage to your F-450 Super Duty resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, colliding with a tree, scraping a guard rail, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like nursing services, doctor visits, EMT expenses, surgery and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

More comparisons equals lower rates

We just presented a lot of ways to save on 2015 Ford F-450 Super Duty insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding cheap car insurance. You may even find the best car insurance rates are with the smaller companies.

Low-cost 2015 Ford F-450 Super Duty insurance is available online and also from your neighborhood agents, so you need to shop car insurance with both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and usually these smaller companies only sell coverage through independent insurance agents.

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, delays in paying claims, not issuing a premium refund or even high rates after DUI convictions. No matter why you want to switch, finding a new auto insurance company can be easy and end up saving you some money.

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