2018 Ford F-350 Super Duty Car Insurance Rates in 2024 – 5 Policy Discounts

If you’re trying to find more affordable insurance online, do you get frustrated by the sheer number of auto insurance sources available to you? Many other drivers are as well. There are such a vast assortment of sources available that it can easily turn into a burden to lower your auto insurance rates.

Do you qualify for discount insurance coverage?

Auto insurance companies don’t always publicize every policy discount very clearly, so we break down both the well known and also the more inconspicuous discounts that you may qualify for.

• Accident Waiver – This isn’t a discount exactly, but certain companies permit an accident without getting socked with a rate hike as long as you don’t have any claims for a set time period.
• Bundle and Save – If you have multiple policies with one company you will save as much as 10 to 15 percent.
• Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.
• Buy New and Save – Putting coverage on a new car can save you some money because newer vehicles are generally safer.
• Resident Student – Older children living away from home attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts will cut your overall bill.

A list of companies and some of the discounts are:

• Farmers Insurance offers discounts for business and professional, switch companies, mature driver, good student, and pay in full.
• State Farm includes discounts for driver’s education, multiple policy, Drive Safe & Save, multiple autos, and safe vehicle.
• Liberty Mutual has discounts for exclusive group savings, newly married, preferred payment discount, new move discount, newly retired, and new vehicle discount.
• MetLife policyholders can earn discounts including accident-free, claim-free, good student, multi-policy, and good driver.
• Progressive may include discounts for continuous coverage, online signing, multi-vehicle, good student, online quote discount, multi-policy, and homeowner.

If you want inexpensive insurance coverage quotes, ask each company to give you their best rates. A few discounts may not apply in your area.

What insurance coverages do I need?

When buying coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether you might need professional guidance.

• Does my medical payments coverage pay my health insurance deductible?
• What is UM/UIM insurance?
• Is my Ford F-350 Super Duty covered if I use it for business?
• Does having multiple vehicles earn me a discount?
• Is there coverage for injuries to my pets?
• Do I need roadside assistance coverage?
• What exactly is covered by my policy?
• Can my teen drive my company car?
• What is the difference between comprehensive and collision coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete your zip code.

Insurance buyers beware

Insurance providers like State Farm, GEICO and Progressive endlessly run ads on TV and radio. They all seem to advertise the message that people will save just by switching to them. How do they all have lower policy pricing? Here is how they do it.

Insurance companies give the cheapest rates for the type of driver that earns them the highest profit. One example of a profitable customer might be over age 30, has no prior claims, and drives less than 10,000 miles a year. Someone who matches that profile is entitled to the best price and will also save when they switch companies.

Insureds who fall short of the requirements must pay a higher rate and ends up with the customer buying from someone else. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently make those claims. Because of the profiling, you really need to get insurance coverage quotes as often as possible. It’s not possible to predict with any certainty which company will have the lowest rate quotes.

Learn about auto insurance coverages for a 2018 Ford F-350 Super Duty

Learning about specific coverages of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Liability coverage – This protects you from damage that occurs to a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like medical services, loss of income and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like rehabilitation expenses, chiropractic care, hospital visits and X-ray expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, falling objects and fire damage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, colliding with a tree, backing into a parked car, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Ford F-350 Super Duty.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Shop Smart and Save

Cheaper car insurance is definitely available both online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not provide rate quotes online and these smaller providers only sell through independent agents.

As you prepare to switch companies, you should never reduce needed coverages to save money. There are a lot of situations where someone dropped physical damage coverage only to discover later that it was a big mistake. The aim is to purchase a proper amount of coverage at the lowest possible cost.

In this article, we covered some good ideas how to save on 2018 Ford F-350 Super Duty insurance. It’s most important to understand that the more quotes you get, the better your comparison will be. Consumers could even find that the lowest premium rates are with some of the smallest insurance companies.