Compare 2016 Ford F-350 Super Duty Insurance Cost 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 22, 2024

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Car owners new to comparison shopping online could find buying low cost insurance is nearly impossible.

It’s a great practice to do rate comparisons as often as possible because insurance coverage rates trend upward over time. If you had the lowest rate for F-350 Super Duty coverage a year ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re going to get a crash course in the right way to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. This article will help educate you on how to get online quotes and some money-saving tips. But consumers should learn how big insurance companies sell insurance online.

Do you qualify for discount insurance coverage?

Some providers don’t always list all discounts very well, so the next list breaks down both well-publicized and the harder-to-find credits that may apply to you. If you do not double check each discount possible, you are paying more than you should be.

  • Seat Belt Discounts – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
  • Accident-Free Discounts – Good drivers with no accidents pay less compared to frequent claim filers.
  • Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
  • Student Driver Training – Teen drivers should participate in a local driver’s education class if it’s offered in school.
  • Discount for Multiple Policies – If you can combine your auto and homeowners policy and insure them both with the same insurance company you may earn up to 20% and get you cheap insurance.
  • Distant Student – Older children who live away from home at college and don’t have a car could qualify for this discount.
  • Homeowners Savings – Owning a house may trigger a policy discount on insurance coverage since home ownership requires a higher level of personal finance.
  • Telematics Discount – Insureds who allow driving data submission to monitor where and when they drive by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they exhibit good driving behavior.
  • Discounts for Federal Employees – Active or retired federal employment could cut as much as 10% off for F-350 Super Duty coverage with some insurance coverage companies.
  • Multi-car Discount – Buying a policy with multiple cars on the same insurance coverage policy qualifies for this discount.

Consumers should know that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like you can get free auto insurance, companies don’t profit that way.

To see a list of insurance companies with discount insurance coverage rates, enter your zip code here.

Ways to get car insurance price quotes

There are a lot of ways you can shop for car insurance but one way is less time-consuming than others. You could waste time driving to insurance companies in your area, or you can stay home and use online quoting for quick rates.

Most car insurance companies participate in an industry program where prospective buyers complete one form, and at least one company returns a rated price. This eliminates the need for quotation requests to every company.

To find out how much you’re overpaying now enter your zip code here.

The only drawback to using this type of form is you don’t know exactly which insurance companies to get quotes from. So if you prefer to pick specific insurance companies to compare rates, we have assembled a list of low cost car insurance companies in your area. Click to enter zip code.

Whichever way you choose to compare rates, be sure you’re using equivalent coverage limits for each quote you get. If you are comparing unequal deductibles or liability limits it’s not possible to determine the best price for your Ford F-350 Super Duty. Just slight variations in coverage limits could mean much higher rates. Just keep in mind that comparing all the rates in your area helps locate the best rates. Some companies don’t provide online price quotes, so you also need to get price estimates from them as well.

What insurance coverages do I need?

When it comes to choosing the best insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different.

For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Is my 2016 Ford F-350 Super Duty covered for flood damage?
  • What exactly is covered by my policy?
  • Is my trailer covered?
  • Does my 2016 Ford F-350 Super Duty qualify for pleasure use?
  • Do I have newly-acquired coverage?
  • Should I put collision coverage on all my vehicles?
  • Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete your zip code.

Car insurance coverages and their meanings

Knowing the specifics of your policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for hospital visits, dental work, chiropractic care, doctor visits and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision – Collision coverage will pay to fix damage to your F-350 Super Duty resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, crashing into a ditch, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance – Liability insurance will cover damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as structural damage, medical expenses, emergency aid and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, a broken windshield, damage from flooding and hail damage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Shop Smart and Save

We just presented a lot of tips how to lower your 2016 Ford F-350 Super Duty insurance car insurance rates. The most important thing to understand is the more times you quote, the higher your chance of finding cheap insurance. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising.

People change insurance companies for many reasons like not issuing a premium refund, being labeled a high risk driver, unfair underwriting practices or lack of trust in their agent. No matter why you want to switch, finding a new insurance coverage company is not as hard as you think.

When searching for low cost insurance quotes, you should never sacrifice coverage to reduce premiums. Too many times, an insured cut full coverage only to regret at claim time they didn’t purchase enough coverage. Your aim should be to buy enough coverage at an affordable rate.

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