How Much Does 2016 Ford F-450 Super Duty Insurance Cost?

Searching for lower insurance rates for your Ford F-450 Super Duty? If you’re shopping for cheaper insurance online, are you intimidated by the crazy number of insurance companies in your area? You’re not alone. You have such a large number of options that it can easily turn into a real difficult job to compare rates.

It’s a good habit to compare prices once or twice a year because prices trend upward over time. If you had the best deal on F-450 Super Duty coverage at your last renewal you can probably find a better rate now. Ignore everything you know about insurance because we’re going to demonstrate the best way to eliminate unnecessary coverages and save money.

Quote insurance coverage online

Effectively comparing insurance coverage prices can take hours if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can utilize the internet to achieve your goal.

Most of the larger companies participate in an industry program that allows shoppers to submit one quote, and each participating company then returns a price quote based on that information. This prevents consumers from doing form submissions to each individual insurance coverage company.

To participate in this free quote system, click to open in new window.

The single downside to pricing coverage this way is you are unable to specify which insurance companies you will receive quotes from. If you would rather choose individual companies to compare, we put together a list of low cost insurance coverage companies in your area. Click here to view list.

However you get your quotes, be sure you’re using nearly identical information for each quote you get. If you use different liability limits you can’t possibly determine which rate is truly the best. Just a small difference in coverage limits could throw off the whole comparison. And when quoting insurance coverage, remember that getting more free quotes gives you a better chance of getting the best rates.

Find hidden discounts on auto insurance

Insuring your vehicles can cost a lot, but you might find some hidden discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you purchase, but a few must be asked for before being credited. If you are not receiving all the discounts you qualify for, you are paying more than you should be.

  • Early Payment Discounts – If paying your policy premium upfront instead of paying each month you may have a lower total premium amount.
  • Online Discount – Some of the larger companies will give a small break just for signing your application on your computer.
  • Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Early Switch Discount – A few larger companies allow discounts for switching to them before your current policy expires. The savings is around 10%.
  • Government Employee Discount – Active or retired federal employment may reduce rates when you quote auto insurance on F-450 Super Duty coverage depending on your company.
  • Discounts for Good Drivers – Drivers without accidents can pay as much as 50% less on F-450 Super Duty coverage than drivers with accident claims.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course as it can save substantially.
  • Buy New and Save – Buying a new car model can be considerably cheaper because newer vehicles keep occupants safer.
  • Mature Driver Discount – Older drivers are able to get a slight reduction on a auto insurance quote on F-450 Super Duty coverage.

Just know that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

A few popular companies and their possible discounts are detailed below.

  • GEICO may have discounts that include military active duty, good student, driver training, air bags, seat belt use, and defensive driver.
  • Mercury Insurance has discounts for type of vehicle, annual mileage, professional/association, good student, age of vehicle, multi-policy, and anti-theft.
  • Farmers Insurance offers premium reductions for pay in full, youthful driver, early shopping, alternative fuel, and multi-car.
  • Auto-Owners Insurance has savings for multiple vehicles, paid in full, paperless, safe vehicle, anti-lock brakes, and group or association.
  • Liberty Mutual policyholders can earn discounts including exclusive group savings, safety features, good student, teen driver discount, newly married, and new move discount.
  • SAFECO includes discounts for teen safe driver, anti-lock brakes, bundle discounts, anti-theft, homeowner, teen safety rewards, and safe driver.
  • Progressive offers discounts including multi-policy, online signing, continuous coverage, multi-vehicle, good student, and online quote discount.
  • USAA may include discounts for safe driver, loyalty savings, multi-vehicle, multi-policy, and good student.

Before purchasing a policy, check with every insurance company how you can save money. All car insurance discounts may not be available everywhere. To see a list of insurance companies that offer many of these discounts, follow this link.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique.

These are some specific questions might point out if your insurance needs would benefit from professional advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Is my camper covered by my car insurance policy?
  • Is my ex-spouse still covered by my policy?
  • Why am I required to buy liability insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When would I need additional glass coverage?
  • Do I have coverage when making deliveries for my home business?
  • Which is better, split liability limits or combined limits?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

Coverages available on your car insurance policy

Knowing the specifics of car insurance aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford F-450 Super Duty.

Due to the fact that 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.

Comprehensive coverages

This will pay to fix 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, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a deer. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as bail bonds, structural damage, medical services, loss of income and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Collision protection

This pays for damage to your F-450 Super Duty from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like X-ray expenses, surgery, prosthetic devices and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay