2006 Ford F-350 Super Duty Insurance Quotes – 9 Tricks for Best Rates

Insurance shopping is not really something drivers enjoy doing, but your state requires it for any vehicle you drive.

The best way we recommend to compare rate quotes is to take advantage of the fact most larger insurance companies provide online access to give you rate quotes. To begin a comparison, all you need to do is provide details like if you’re married, if your license is active, the make and model of your vehicles, and if a SR-22 is needed. The data is then submitted to insurance carriers in your area and they return rate quotes almost instantly.

To find lower rates now, click here and enter your coverage details.

These nine discounts can slash auto insurance rates

Car insurance companies don’t always publicize every available discount very clearly, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.

  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Drive Less and Save – Driving fewer miles can earn better rates on cars that stay parked.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Distant Student – Any of your kids who are attending college and don’t have a car may qualify for this discount.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less on F-350 Super Duty insurance than drivers with accidents.
  • Defensive Driver – Completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

Companies who might offer these benefits are:

Double check with each company which discounts you may be entitled to. All car insurance discounts might not be offered everywhere.

When might I need the advice of an agent?

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions can help discover if your situation would benefit from an agent’s advice.

  • Am I covered when driving someone else’s vehicle?
  • Am I better off with higher deductibles on my 2006 Ford F-350 Super Duty?
  • Am I covered if I drive in a foreign country?
  • Do I have coverage when using my vehicle for my home business?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered if hit by an uninsured driver?
  • When can I cancel my policy?
  • When would I need rental car insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverage considerations

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. 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 protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford F-350 Super Duty.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

This pays for damage to your F-350 Super Duty caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, theft, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance

This provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as structural damage, repair bills for other people’s vehicles, emergency aid and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for EMT expenses, dental work, X-ray expenses, chiropractic care and pain medications. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Smart consumers save more

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced full coverage only to regret at claim time that they should have had better coverage. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

We’ve covered quite a bit of information on how to reduce 2006 Ford F-350 Super Duty insurance prices online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest rates come from an unexpected company.

Low-cost insurance is possible from both online companies and with local insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not offer you the ability to get quotes online and these smaller companies work with independent agents.

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