View 2019 Ford F-350 Super Duty 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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Having to pay for pricey Ford F-350 Super Duty insurance can overdraw your budget and force you to cut corners elsewhere. Doing a rate comparison can lower your rates and help to lower your monthly bill.

Because you have many car insurance companies to choose from, it can be challenging to choose a more affordable car insurance company.

It’s a great practice to quote other rates quite often because prices tend to go up over time. Just because you found the best rate for F-350 Super Duty coverage a few years ago you may be paying too much now. Ignore everything you know about car insurance because you’re going to get a crash course in the fastest and easiest way to lower your annual insurance bill.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you will most likely be able to save some money using these tips. Drivers only need to know the best way to compare price quotes over the internet.

Ways to get insurance coverage price quotes

Getting a low cost price on 2019 Ford F-350 Super Duty insurance is not rocket science. Consumers just need to take time getting comparison quotes to find out which insurance company has cheaper insurance quotes. It’s really simple and can be done using one of these methods.

  • One of the simplest ways consumers can analyze rates is a comparison rater form. This quick form saves time by eliminating boring form submissions for each price estimate. One quote request will return quotes from insurance coverage companies with the best prices.
  • Another way to shop for insurance coverage online is going to each company website to request a price quote. For instance, we’ll assume you need rates from State Farm, GEICO and Progressive. To find out each rate you need to visit each site to enter the same coverage data repeatedly, which can get old fast.
  • The hardest way to quote and compare insurance rates is physically going to all the different insurance agencies. Doing it all online makes this unnecessary unless you want the professional advice that only an agent can give. Although you can comparison shop online and get advice from an agent in your area.

However you get your quotes, compare the same coverage data for each quote you get. If each company quotes differing limits you will not be able to determine the lowest rate for your Ford F-350 Super Duty.

Use discounts to get cheaper auto insurance rates

Some insurers don’t list the complete list of policy discounts in a way that’s easy to find, so we break down a few of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online. If you do not double check each discount available, you could be saving more on your auto insurance.

  • Multi-Vehicle Discounts – Having more than one vehicle with the same company may reduce the rate for each vehicle.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
  • Buy New and Save – Insuring a vehicle that is new can save up to 30% because new model year vehicles keep occupants safer.
  • Mature Driver Discount – If you qualify as a senior citizen, you could receive reduced rates for F-350 Super Duty coverage.
  • Accident-Free Discounts – Drivers who don’t have accidents can save substantially compared to accident-prone drivers.
  • College Student Discount – who attend college more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • Data Collection Discounts – Policyholders that allow data collection to spy on driving manner remotely such as Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
  • Passive Restraints – Options like air bags and/or automatic seat belt systems may get savings of up to 25% or more.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, it’s just not the way it works. Any qualifying discounts will definitely reduce the amount you have to pay.

Large auto insurance companies and a partial list of their discounts are shown below.

  • Esurance policyholders can earn discounts including online quote, good student, multi-car, Pac-12 alumni, online shopper, anti-theft, and homeowner.
  • The Hartford includes discounts for good student, bundle, driver training, anti-theft, and defensive driver.
  • AAA may offer discounts for education and occupation, multi-policy, AAA membership discount, good student, and pay-in-full.
  • GEICO discounts include multi-policy, military active duty, defensive driver, multi-vehicle, membership and employees, and daytime running lights.
  • State Farm offers premium reductions for multiple policy, accident-free, good driver, multiple autos, anti-theft, and safe vehicle.

If you need lower rates, check with every prospective company to give you their best rates. All car insurance discounts might not be offered on policies everywhere. If you would like to see a list of auto insurance companies that offer many of these discounts, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help highlight whether you would benefit from professional advice.

  • When should my teen driver be added to my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • How can I find cheaper teen driver insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need an umbrella policy?
  • What is PIP insurance?
  • If my pet gets injured in an accident are they covered?
  • When can my company non-renew my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • How much can I save by bundling my policies?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and can help protect your family.

Learn about car insurance coverages for a 2019 Ford F-350 Super Duty

Having a good grasp of a car insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from car insurance companies.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

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 might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as repair costs for stationary objects, court costs, loss of income, pain and suffering and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2019 Ford F-350 Super Duty.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for collisions

This coverage pays for damage to your F-350 Super Duty caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses such as hospital visits, doctor visits and dental work. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, hail damage, a broken windshield and hitting a bird. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Don’t be a big spender

More affordable insurance is attainable on the web and from local agencies, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get a quote online and many times these small, regional companies only sell coverage through independent agents.

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, an insured dropped uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best cost, but don’t skip important coverages to save money.

In this article, we covered many ideas to get a better price on 2019 Ford F-350 Super Duty insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the best price on insurance is with some of the smallest insurance 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 State Farm or Progressive.

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