2024 Ford F-350 Super Duty Insurance Rates

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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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Want lower car insurance rates for your Ford F-350 Super Duty? When looking for more affordable insurance, do you get frustrated by the sheer number of car insurance companies in your area? You’re not alone. There are so many companies available that it can easily become a big hassle to find the best prices.

It’s a great practice to shop coverage around once or twice a year since insurance rates trend upward over time. If you had the best rate for F-350 Super Duty insurance a couple years back you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to find out the best way to find great coverage at a great price.

The most recommended method to compare car insurance rates is to understand car insurance companies pay for the opportunity to give rate comparisons. All you need to do is provide information including how old drivers are, deductibles desired, if you are currently licensed, and your education level. Your information is automatically sent to many different companies and they return cost estimate with very little delay.

Find discounts to get cheap insurance rates

Insurance can cost an arm and a leg, but companies offer discounts to help offset the cost. Many of these discounts will be applied automatically when you complete an application, but lesser-known reductions have to be manually applied before they will apply.

  • Discounts for Responsible Drivers – Insureds without accidents can pay as much as 50% less for F-350 Super Duty insurance than drivers with accidents.
  • Discount for Multiple Policies – When you combine your auto and home insurance and place coverage with the same company you could get a discount of 10% to 20% off each policy.
  • Data Collection Discounts – People who choose to allow their insurance company to look at vehicle usage through the use of a telematics system such as State Farm’s In-Drive might get better premium rates if they have good driving habits.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could earn cheaper prices.

Discounts save money, but please remember that some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, nobody gets a free ride.

Some companies that may include many of the previously listed discounts may include but are not limited to:

  • Travelers
  • Farm Bureau
  • Liberty Mutual
  • American Family
  • Progressive

If you need the cheapest insurance quotes, ask all the companies what discounts are available to you. All car insurance discounts may not apply to policies everywhere. To find insurance companies with the best discounts, enter your zip code here.

How your F-350 Super Duty insurance rates are determined

An important part of buying insurance is that you know a few of the rating criteria that help calculate car insurance rates. If you understand what controls the rates you pay, this allows you to make good choices that can earn you better car insurance rates. Multiple criteria are part of the equation when pricing auto insurance. A few of the factors are predictable like your driving record, but other factors are not quite as obvious like where you live or how financially stable you are.

Shown below are most of the major factors utilized by car insurance companies to help set your premiums.

  • Don’t cancel your coverage without a new one in place – Driving your car without having proper coverage is not a good idea and as a result your rates will increase for letting your insurance coverage expire. Not only will rates go up, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Your stress level may be raising your rates – Jobs like military generals, business owners and medical professionals usually pay higher premiums than the average policyholder due to high stress and lots of time spent away from family. Other occupations such as scientists, athletes and retirees generally pay rates lower than average for F-350 Super Duty insurance.
  • Cheaper to insure gals? – Statistics have proven that women are safer drivers than men. However, don’t assume that women are better drivers. Both sexes cause at-fault accidents in similar numbers, but men get into accidents with more damage. In addition to higher claims, males also receive more costly citations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • Premiums are affected by your address – Residing in a small town has definite advantages when talking about car insurance. Less people means fewer accidents and lower theft and vandalism rates. Residents of big cities tend to have much more traffic and longer commute times. The longer drive time means more chance of being in an accident.
  • What are good liability limits? – The liability coverage on your policy provides coverage if ever you are found to be at fault for physical damage or personal injury to other. It will provide legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not skimp.
  • Rental and towing coverage may not be needed – There are many extra add-on coverages that you can get tricked into buying on your car insurance policy. Coverage for things like coverage for rental cars, accident forgiveness, and extra equipment coverage may be costing you every month. They may sound like good ideas when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Safety first – Safe vehicles tend to have lower insurance rates. Safer cars reduce occupant injuries and fewer injuries translates into savings for insurance companies and cheaper rates on your policy.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when driving someone else’s vehicle?
  • Do I need replacement cost coverage?
  • How much liability do I need to cover my assets?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving a rental car?
  • Am I covered if I hit a deer?
  • Does car insurance cover theft of personal property?
  • I have a DUI can I still get coverage?
  • When can my company non-renew my policy?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, complete your zip code.

Big brands don’t always mean big savings

Companies like State Farm, Allstate and GEICO continually stream ads in print and on television. All the ads say the same thing about savings just by moving your car insurance coverage to their company. How does every company make almost identical claims? It’s all in the numbers.

Companies quote their best rates for the type of driver that earns them a profit. One example of a desirable insured might have to be between 25 and 40, has never had a claim, and insures a new vehicle. Anyone who matches that profile will probably get cheap auto insurance rates and therefore will save a lot if they switch.

Drivers who do not meet those criteria will be quoted more expensive rates and ends up with the driver buying from a lower-cost company. The ads say “people that switch” not “everyone that quotes” save the amount stated. That’s why insurance companies can confidently advertise the way they do.

Because every company is different, drivers must get insurance quotes as often as possible. It’s just not possible to know with any certainty which company will give you lower prices than your current company.

Auto insurance policy coverages for a 2024 Ford F-350 Super Duty

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, damage from a tornado or hurricane and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for EMT expenses, funeral costs, pain medications and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Auto liability

Liability coverage can cover injuries or damage you cause to other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, medical expenses, bail bonds and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Get your money’s worth

We just covered a lot of tips how to save on 2024 Ford F-350 Super Duty insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a smaller regional carrier.

Low-cost 2024 Ford F-350 Super Duty insurance can be bought both online as well as from independent agents, so you need to quote insurance with both in order to have the best chance of saving money. A few companies may not offer the ability to get quotes online and usually these regional carriers sell through independent agents.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where an insured dropped uninsured motorist or liability limits only to discover later that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best cost and still be able to protect your assets.

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