Save on 2020 Ford F-350 Super Duty Car 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 22, 2024

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Do you get exhausted from scraping nickels together to pay high auto insurance rates every month? You’re in the same situation as millions of other people.

You have multiple car insurance companies to pick from, and even though it’s nice to be able to choose, having more car insurance companies makes it harder to compare rates.

It’s smart to quote other rates every six months because insurance prices are adjusted regularly by insurance companies. Even if you got the best deal for F-350 Super Duty insurance at your last renewal you may be paying too much now. Block out anything you think you know about auto insurance because you’re about to find out how to use the internet to reduce your cost while improving coverage.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you will most likely be able to save some money using this information. Although consumers benefit from understanding the way insurance companies market on the web and apply this information to your search.

How to compare insurance coverage quotes

There are a variety of methods you can shop for insurance coverage and some are less time-consuming than others. You could waste time talking about coverages with local insurance agents in your area, or you could save time and use the web to get pricing more quickly.

Many popular insurance companies belong to an insurance system where prospective buyers enter their coverage request one time, and every company returns a rated price for coverage. This system prevents you from having to do quotation requests to each company. To find out what other companies charge enter your zip code here.

The only drawback to doing it this way is that you can’t choose the companies to get quotes from. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click to enter zip code.

Take whichever approach you prefer, but do your best to enter the same coverage limits and deductibles for every quote you compare. If your comparisons have unequal deductibles or liability limits you will not be able to make an equal comparison. Just a small difference in limits may result in a large different in cost. Keep in mind that comparing a wide range of rates increases your odds of finding better pricing.

Car insurance ads bend the truth

Car insurance providers like GEICO, State Farm and Progressive constantly bombard you with television, radio, and online ads. All the ads convey the message that you’ll save big if you switch to them. How do they all charge you a lower premium?

Car insurance companies look for specific characteristics for the type of insured that will add to their bottom line. For example, this type of insured should be between the ages of 30 and 50, has no claims, and drives less than 10,000 miles a year. Anyone that meets those criteria will get a cheap rate quote and have a good chance to save money with a new company.

Consumers who cannot meet this ideal profile will be quoted higher premiums which translates to the customer not buying. The ads say “drivers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why companies can truthfully make claims like that. This really drives home the point why drivers should get as many free car insurance quotes as possible. Because you never know which company will provide the lowest prices.

Lower your insurance costs

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that come into play when calculating the level of your policy premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that can help you get lower car insurance prices. Many factors are considered when premium rates are determined. Some are pretty understandable such as your driving history, although others are not as apparent such as your marital status or how safe your car is.

  • Car insurance lapses lead to higher rates – Driving with no insurance is not a good idea and you may have a hard time finding new coverage because you let your coverage have a gap. Not only will you pay higher rates, failure to provide proof of insurance could result in a revoked license or a big fine. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Does your job raise your prices? – Do you work in a high-stress field? Occupational choices like military personnel, police officers and financial analysts tend to pay higher rates than the rest of us attributed to intense work situations and lengthy work days. Other careers like scientists, engineers and retirees receive lower rates for F-350 Super Duty insurance.
  • Consolidate and save – Most major insurance companies allow lower prices for people that have more than one policy such as combining an auto and homeowners policy. If you currently are using one company, it’s still a good idea to comparison shop to make sure you are getting the best deal.
  • Buy as much liability insurance as you can afford – The liability section of your policy will afford coverage if ever you are ruled to be at fault for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

You may qualify for discounts

Insurance can cost an arm and a leg, but there are discounts available that may help make it more affordable. Most are applied at quote time, but some must be asked for before you get the savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Bundle and Save – If you combine your homeowners and auto policies with one insurance company you may earn at least 10 to 15 percent or more.
  • Seat Belts Save – Drivers who require all occupants to buckle up can save 10% or more off the personal injury premium cost.
  • Defensive Driver – Participating in a course that instructs on driving safety could cut 5% off your bill if your company offers it.
  • Onboard Data Collection – Insureds that choose to allow their car insurance company to monitor where and when they drive by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may see discounts if their driving habits are good.
  • Waiver for an Accident – Not really a discount, but some companies like State Farm and Allstate will forgive one accident before your rates go up if you are claim-free before the accident.
  • Theft Deterrent – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Distant Student – Kids who attend college more than 100 miles from home and leave their car at home may be able to be covered for less.
  • Discounts for Good Drivers – Drivers who don’t get into accidents can save up to 40% or more on their car insurance quote for F-350 Super Duty insurance compared to accident prone drivers.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you better rates if you take out a life policy as well.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like it’s possible to get free car insurance, nobody gets a free ride.

Insurance companies who may offer some of the above discounts may include but are not limited to:

  • Progressive
  • State Farm
  • Esurance
  • The Hartford

Before you buy a policy, ask each company or agent which discounts they offer. Savings might not apply in your area.

There’s no such thing as the perfect insurance coverage policy

When choosing proper insurance coverage, there is no best way to insure your cars. Each situation is unique so this has to be addressed. For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

  • What is high-risk coverage and where do I buy it?
  • Do I need more liability coverage?
  • Am I covered when driving a rental car?
  • When would I need rental car insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does insurance cover tools stolen from my truck?
  • What is an SR-22 filing?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, simply complete your zip code.

Auto insurance specifics

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t 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. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as repair bills for other people’s vehicles, structural damage and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills like doctor visits, ambulance fees, chiropractic care, hospital visits and dental work. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays for damage to your F-350 Super Duty resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Shop Smart and Save

Lower-priced 2020 Ford F-350 Super Duty insurance can be found on the web in addition to many insurance agents, so get free car insurance quotes from both of them to have the best selection. Some insurance providers may not have rates over the internet and these smaller providers provide coverage only through local independent agents.

We just presented a lot of ways to compare 2020 Ford F-350 Super Duty insurance rates online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting cheaper car insurance. You may even find the lowest rates are with some of the lesser-known companies. Some small companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate and Progressive.

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