View 2017 Ford F-350 Super Duty Insurance Quotes in 2024

Finding the best price on car insurance may seem complicated initially if you are one of the many people who have never used online rate quotes. Don’t worry though because there is an easy way to compare rates.

Which car insurance is cheapest?

When looking for the cheapest auto insurance quotes, there are a couple ways to compare rate quotes from different insurance companies. The easiest way to find cheaper 2017 Ford F-350 Super Duty rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

1. Hands down the most simple method to get quotes for comparison is an all-inclusive rate comparison. This form keeps you from doing boring form submissions for every prospective company. A single, simple form gets prices estimates from car insurance companies with the best prices. Just one form and you’re done.
2. A harder way to get comparison quotes requires visiting each individual company website to complete a price quote. For instance, we’ll pretend you want to get rates from Liberty Mutual, State Farm and GMAC. To get rate quotes you would need to go to every website and type in your information over and over, which is why most consumers use the first method.

Which method you use is up to you, but do your best to enter nearly identical coverage data for each price quote. If you use unequal deductibles or liability limits it will be nearly impossible to get a fair rate comparison. Just slight variations in limits could skew the results. And when comparison shopping, comparing more rates from different companies helps locate the best offered rates. Some insurance companies are not set up to provide prices over the internet, so it’s recommended that you also compare rates from the smaller companies as well.

Insurance coverage companies offer many discounts

Insurance can be prohibitively expensive, but there may be some discounts that you may not know about. Some discounts will apply at the time you complete a quote, but occasionally some discounts must be requested specifically prior to getting the savings.

• Policy Bundle Discount – If you insure your home and vehicles and insure them both with the same insurance company you will save approximately 10% to 15%.
• Early Payment Discounts – By making one initial payment instead of making monthly payments you can avoid the installment charge.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but some insurance companies will let one accident slide before your rates go up so long as you are claim-free before the accident.
• New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper due to better safety requirements for new model year vehicles.
• Drivers Education – Have your child participate in a local driver’s education class if offered at their school.
• Discount for Switching Early – Some larger companies give discounts for switching to them before your current expiration date. The savings is around 10%.
• Safety Restraint Discount – Drivers who require all occupants to buckle up before driving could cut 10% or more off the personal injury premium cost.
• Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will qualify for a discount on a auto insurance quote.
• Onboard Data Collection – Drivers that enable their company to track where and when they drive by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they are good drivers.
• Safe Drivers – Drivers without accidents may receive a discount up to 45% on F-350 Super Duty insurance compared to accident prone drivers.

It’s important to note that most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like you could get a free insurance coverage policy, it doesn’t quite work that way.

For a list of companies offering insurance coverage discounts, enter your zip code here.

Do I just need basic coverages?

When it comes to buying the best auto insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help highlight whether you would benefit from professional advice.

• Do I have coverage for damage caused while driving under the influence?
• I have good health insurance, so how much medical payments coverage do I need?
• Can I drive in Mexico and have coverage?
• Does insurance cover tools stolen from my truck?
• Can my teen driver be rated on a liability-only vehicle?
• Should I buy more coverage than the required minimum liability coverage?
• Do I need replacement cost coverage?
• Am I getting all the discounts available?
• What is no-fault insurance?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete your zip code.

Insurance policy specifics

Learning about specific coverages of insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford F-350 Super Duty.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, damage from flooding and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like attorney fees, court costs, medical services, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This will pay to fix damage to your F-350 Super Duty from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like nursing services, ambulance fees, dental work, doctor visits and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage