2004 Ford F-350 Super Duty Car Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced insurance coverage policy? Believe me when I say you’re not alone. Many car insurance companies vie for your insurance dollar, so it can be very hard to choose a insurer to get the lowest rate possible.

Why your Ford F-350 Super Duty might be costing you more

It’s important that you understand some of the elements that play a part in calculating the rates you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that could result in better car insurance rates.

  • How many coverages with the same company – Most insurers provide better rates to people who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare rates to verify if the discount is saving money.
  • Liability coverage is peace of mind – The liability section of your policy is the protection if you are found liable for damages caused by your negligence. It will provide for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Cautious drivers pay less – Even one moving violation can increase rates by as much as thirty percent. Good drivers tend to pay less for car insurance than people who have multiple driving citations. If you have severe violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Your occupation can affect rates – Jobs such as real estate brokers, social workers and stock brokers have the highest rates in part from high stress levels and lots of time spent at work. On the other hand, jobs such as scientists, students and retirees get better rates on F-350 Super Duty coverage.
  • Having a spouse can save you money – Having a spouse helps lower the price on your policy. Having a spouse translates into being more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.

Finding Car Insurance Deals

Finding cheaper 2004 Ford F-350 Super Duty car insurance prices is actually quite simple. Drivers just need to take a couple of minutes to get quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

  1. The single most time-saving way to get quotes is a comparison rater form (click to open form in new window). This easy form prevents you from having to do separate quote forms to each individual car insurance company. Filling out one form will return price quotes from multiple low-cost companies.
  2. A harder way to compare rate quotes is to manually visit each individual company website to request a price quote. For examples sake, let’s assume you want to compare rates from Auto-Owners, Farmers and American Family. To find out each rate you need to go to every website to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.

However you get your quotes, make darn sure you compare identical information on every quote you get. If you enter different deductibles you will not be able to make a fair comparison for your Ford F-350 Super Duty.

Can switching companies really save?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, Allstate and Geico. They all seem to say the same thing that you can save if you move your policy.

How do they all claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer could possibly be between the ages of 30 and 50, has no prior claims, and has excellent credit. Any new insured who matches those parameters gets the lowest rates and as a result will probably cut their rates substantially.

Drivers who are not a match for the “perfect” profile must pay higher premiums which usually ends up with the customer not buying. The ads state “customers that switch” not “everyone that quotes” save that kind of money. That’s the way companies can truthfully advertise the savings.

This illustrates why you absolutely need to compare as many rates as you can. Because you never know the company that will give you the biggest savings on Ford F-350 Super Duty insurance.

How to reduce Ford F-350 Super Duty insurance rates

Car insurance can cost a lot, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be specifically requested before you get the savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current policy expires. It’s a savings of about 10%.
  • Accident Free – Drivers who don’t have accidents can save substantially compared to accident-prone drivers.
  • Passive Restraint Discount – Cars that have air bags can get savings of up to 25% or more.
  • Defensive Driver – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on F-350 Super Duty coverage depending on your company.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on F-350 Super Duty coverage than their less cautious counterparts.

Keep in mind that some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will help reduce your overall premium however.

Car insurance companies that may have these benefits are:

Double check with each insurance company what discounts are available to you. Discounts might not be offered in your area.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Do I need rental car coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need added coverage for expensive stereo equipment?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have coverage if my license is suspended?
  • Should I bundle my homeowners policy with my auto?
  • Is my Ford F-350 Super Duty covered if I use it for business?
  • Do I really need UM/UIM coverage?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance 101

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for things like surgery, pain medications, rehabilitation expenses, funeral costs and chiropractic care. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverage

Liability coverage protects you from damage that occurs to other’s property or people. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like loss of income, emergency aid, repair bills for other people’s vehicles, pain and suffering and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

This covers damage to your F-350 Super Duty resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, colliding with a tree, sideswiping another vehicle, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, hail damage and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Make an honest buck

While you’re price shopping online, never sacrifice coverage to reduce premiums. In many cases, an accident victim reduced uninsured motorist or liability limits only to find out that they should have had better coverage. The proper strategy is to buy the best coverage you can find at an affordable rate.

We just covered many ways to get a better price on 2004 Ford F-350 Super Duty insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the best price on insurance is with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

For more information, link through to the resources below: