Are you looking for a better way to compare the cheapest Ford F-350 insurance in Scottsdale? Have you had enough of paying out the nose to pay car insurance each month? You’re in the same situation as millions of other vehicle owners.
It’s an obvious assumption that insurance companies don’t want you quoting rates from other companies. Drivers who get price comparisons are inclined to switch car insurance companies because there is a great chance of finding a lower rate. A recent study showed that people who shopped around saved $865 a year as compared to drivers who never shopped for cheaper rates.
If saving money on auto insurance is the reason you’re here, understanding how to choose a company and compare auto insurance can save time and money.
Steps to quoting cheaper Ford F-350 insurance in Scottsdale
The recommended way to get discount Ford F-350 insurance is to make a habit of comparing prices annually from different companies that insure vehicles in Scottsdale.
Step 1: Take a few minutes and learn about how auto insurance works and the things you can control to drop your rates. Many policy risk factors that result in higher rates like traffic violations, accidents, and an unfavorable credit rating can be rectified by making small lifestyle or driving habit changes. Keep reading for information to find cheap rates and find available discounts that you may qualify for.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can quote prices for a wide range of companies.
Step 3: Compare the new quotes to your existing coverage and determine if cheaper F-350 coverage is available in Scottsdale. If you find a lower rate and decide to switch, make sure there is no coverage gap between policies.
Step 4: Provide notification to your current agent or company of your intent to cancel your current policy. Submit a completed application and payment to the new company. Once received, store the proof of insurance paperwork in an easily accessible location.
One key aspect of rate comparisons is that you’ll want to make sure you compare identical limits and deductibles on every quote request and and to get price estimates from as many auto insurance providers as possible. This guarantees a fair rate comparison and many rates to choose from.
Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with catchy ads and it is difficult to ignore the promise of big savings and effectively compare rates to find the best deal.
It’s smart to shop coverage around every six months since prices are usually higher with each renewal. Even if you think you had the best rates on Ford F-350 insurance in Scottsdale last year you can probably find a better premium rate now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to how to use online quotes to buy cheaper Ford F-350 insurance in Scottsdale.
If you have a policy now or are looking for a new policy, you can follow these tips to get lower rates and possibly find even better coverage. Finding affordable coverage in Scottsdale is easy if you know what you’re doing. Vehicle owners just have to know the proper methods to compare different rates instantly.
Quote Ford F-350 Insurance Cheaper
A large part of saving on auto insurance is knowing some of the elements that are used to determine your premiums. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find better auto insurance rates.
The list below includes a few of the things auto insurance companies consider when setting prices.
A auto insurance policy lapse can increase prices – Having a lapse in insurance coverage can be a guaranteed way to increase your renewal premiums. In addition to paying higher premiums, not being able to provide proof of insurance can result in a license revocation or jail time. You may then have to prove you have insurance by filing a SR-22 with the Arizona DMV.
How many miles do you drive? – Driving a lot of miles every year the higher your rate. The majority of insurers charge rates based on their usage. Vehicles that sit idle most of the time can be on a lower rate level compared to those used for work or business. Ask your agent if your auto insurance policy is showing the right rating data, because improper ratings can cost you money. An incorrectly rated F-350 may be costing you higher rates.
Deter theft and pay less – Selecting a car model with advanced anti-theft systems can save you a little every year. Systems that thwart thieves like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart car theft.
Reduce rates by staying claim free – If you’re an insured who likes to file claims you can definitely plan on increased rates or even have your policy non-renewed. Insurance companies in Arizona award discounts to insureds that do not abuse their auto insurance. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
Your address can affect price – Having an address in smaller towns and rural areas of the country has it’s advantages when talking about auto insurance. Fewer drivers and short commutes means reduced accidents and a lower car theft rate. Drivers in populated Arizona areas regularly have more auto accidents and longer commutes to work. More time commuting means more chance of being in an accident.
Save money by having multiple policies – Some companies apply lower prices to customers that have more than one policy. It’s known as a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to verify if the discount is saving money.There is a good possibility that you can save even more by buying auto insurance from a different company.
Ford F-350 insurance claim data – Companies take into consideration insurance loss statistics for every vehicle when they set coverage costs for each model. Models that the statistics show to have a higher amount or frequency of claims will have higher rates. The next table shows the compiled insurance loss statistics for Ford F-350 vehicles.
For each coverage type, the claim probability for all vehicles combined as an average is considered to be 100. Values under 100 suggest losses that are better than average, while values over 100 point to more frequent losses or an increased chance of a larger loss.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford F-350 4WD||78||54|
|Ford F-350 SuperCab 4WD||66||90||98|
|Ford F-350 SuperCrew 2WD||108||232|
|Ford F-350 SuperCrew 4WD||96||134||179||47||44||90|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Cheap Scottsdale Ford F-350 insurance
The companies in the list below offer free quotes in Scottsdale, AZ. If multiple companies are listed, it’s highly recommended you compare several of them to get a more complete price comparison.
Data for Ford F-350 insurance
The data table shown next covers detailed analysis of rate quotes for Ford F-350 models. Having a good understanding how insurance policy rates are figured can help drivers make decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$292||$548||$450||$26||$134||$1,450||$121|
|F-350 XL Super Cab 4WD||$292||$548||$450||$26||$134||$1,450||$121|
|F-350 XL Super Cab 2WD||$324||$466||$300||$18||$90||$1,198||$100|
|F-350 Super Cab Cabela Package 4WD||$324||$548||$450||$26||$134||$1,482||$124|
|F-350 Super Cab Cabela Package 2WD||$324||$548||$300||$18||$90||$1,280||$107|
|F-350 XL Crew Cab 2WD||$324||$548||$300||$18||$90||$1,280||$107|
|F-350 Crew Cab Harley Edition 4WD||$324||$548||$450||$26||$134||$1,482||$124|
|F-350 Super Cab Harley Edition 4WD||$324||$548||$450||$26||$134||$1,482||$124|
|F-350 Crew Cab King Ranch 4WD||$324||$548||$450||$26||$134||$1,482||$124|
|F-350 XLT Crew Cab 4WD||$324||$548||$450||$26||$134||$1,482||$124|
|F-350 XL Super Cab Turbo Diesel 4WD||$324||$548||$450||$26||$134||$1,482||$124|
|F-350 XLT Super Cab 4WD||$324||$548||$450||$26||$134||$1,482||$124|
|F-350 XLT Super Cab 2WD||$324||$548||$300||$18||$90||$1,280||$107|
|F-350 XL Crew Cab Cabela Package 2WD||$324||$548||$300||$18||$90||$1,280||$107|
|F-350 XL Crew Cab King Ranch 2WD||$324||$548||$300||$18||$90||$1,280||$107|
|F-350 Crew Cab Lariat 4WD||$324||$632||$450||$26||$134||$1,566||$131|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$324||$632||$450||$26||$134||$1,566||$131|
|F-350 Crew Cab Cabela Package 4WD||$324||$632||$450||$26||$134||$1,566||$131|
|F-350 XL Crew Cab Turbo Diesel 4WD||$324||$632||$450||$26||$134||$1,566||$131|
|F-350 Super Cab Lariat 4WD||$324||$632||$450||$26||$134||$1,566||$131|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$324||$632||$450||$26||$134||$1,566||$131|
|F-350 XLT Super Cab Turbo Diesel 4WD||$324||$632||$450||$26||$134||$1,566||$131|
|F-350 Super Cab Lariat 2WD||$358||$548||$300||$18||$90||$1,314||$110|
|F-350 XL Super Cab Turbo Diesel 2WD||$358||$548||$300||$18||$90||$1,314||$110|
|F-350 Super Cab Harley Edition 2WD||$358||$548||$300||$18||$90||$1,314||$110|
|F-350 XLT Crew Cab 2WD||$358||$548||$300||$18||$90||$1,314||$110|
|F-350 XLT Crew Cab Lariat 2WD||$358||$548||$300||$18||$90||$1,314||$110|
|F-350 XLT Crew Cab Harley Edition 2WD||$358||$548||$300||$18||$90||$1,314||$110|
|F-350 XL Crew Cab Turbo Diesel 2WD||$358||$548||$300||$18||$90||$1,314||$110|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$358||$632||$450||$26||$134||$1,600||$133|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$358||$632||$450||$26||$134||$1,600||$133|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$358||$632||$450||$26||$134||$1,600||$133|
|F-350 Super Cab Harley Turbo Diesel 4WD||$358||$632||$450||$26||$134||$1,600||$133|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$358||$632||$300||$18||$90||$1,398||$117|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$358||$632||$300||$18||$90||$1,398||$117|
|F-350 Super Cab Harley Turbo Diesel 2WD||$358||$632||$300||$18||$90||$1,398||$117|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$358||$632||$300||$18||$90||$1,398||$117|
|F-350 Super Cab XLT Turbo Diesel 2WD||$358||$632||$300||$18||$90||$1,398||$117|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$358||$632||$450||$26||$134||$1,600||$133|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$358||$632||$450||$26||$134||$1,600||$133|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$358||$632||$300||$18||$90||$1,398||$117|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$358||$632||$300||$18||$90||$1,398||$117|
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in zip code location which can affect coverage rates noticeably.
The information below shows how choosing a deductible and can raise or lower Ford F-350 insurance rates for different insured age categories. The data assumes a married female driver, comp and collision included, and no additional discounts are factored in.
Gender differences in auto insurance premiums
The chart below shows the difference between Ford F-350 insurance rates for male and female drivers. The premiums are based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are factored in.
Car insurance is not optional in Arizona
Despite the fact that car insurance is not cheap in Scottsdale, car insurance may be required for several reasons.
First, almost all states have minimum liability requirements which means state laws require a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your vehicle, almost all lenders will stipulate that you buy insurance to protect their interest in the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Ford for a lot more money and force you to pay the higher premium.
Third, insurance safeguards both your car and your personal assets. It will also reimburse you for most medical and hospital costs for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of an accident. If your Ford gets damaged, your car insurance policy will cover the repair costs.
The benefits of carrying enough insurance are definitely more than the cost, especially if you ever need it. According to a 2015 survey, the average American driver overpays more than $820 a year so we recommend shopping around each time the policy renews to help ensure money is not being wasted.
Verify you’re getting every discount
Some providers don’t always advertise all available discounts very clearly, so the list below gives a summary of both the well known as well as some of the hidden credits that you can use to lower your rates.
- ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
- Scottsdale Homeowners Discount – Owning a house in Scottsdale can earn you a little savings because maintaining a house requires personal responsibility.
- Air Bags and Passive Restraints – Factory options such as air bags may qualify for discounts of 20 to 30 percent.
- One Accident Forgiven – This one isn’t a discount, but certain companies allow you one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
- Discount for New Cars – Adding a new car to your policy can save you some money since newer vehicles are generally safer.
As is typical with insurance, some credits don’t apply to the whole policy. Most cut specific coverage prices like comp or med pay. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business. But any discount will help lower the cost of coverage.
The example below shows the difference between Ford F-350 annual premium costs with and without policy discounts. The premiums assume a male driver, no violations or claims, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, safe-driver, claim-free, and homeowner discounts applied.
The best auto insurance companies and some of the discounts are:
- Farmers Insurance has savings for alternative fuel, pay in full, bundle discounts, homeowner, and electronic funds transfer.
- Esurance may include discounts for anti-theft, good student, claim free, DriveSense, renters, Pac-12 alumni, and safety device.
- State Farm offers discounts for anti-theft, passive restraint, multiple autos, good driver, Drive Safe & Save, defensive driving training, and safe vehicle.
- GEICO has discounts for military active duty, air bags, five-year accident-free, anti-theft, emergency military deployment, and multi-vehicle.
- Allstate includes discounts for eSmart discount, resident student, multi-policy, new car, auto/life discount, and defensive driver.
When getting free Scottsdale car insurance quotes, it’s a good idea to every company what discounts are available to you. Some of the discounts discussed earlier might not be offered in Scottsdale. To see a list of insurance companies that offer many of these discounts in Arizona, click here to view.
Local Scottsdale car insurance agents and auto insurance
A lot of people just prefer to talk to a local agent and that can be a smart move Good agents can help you choose the best coverages and give you someone to call. An additional benefit of getting free rate quotes online is you may find lower rates and still buy from a local agent. And providing support for local insurance agents is especially important in Scottsdale.
Once you complete this form (opens in new window), your information is submitted to local insurance agents who will gladly provide quotes for your business. It makes it easy because there is no need to contact an agency because quoted prices will be sent to you instantly. If you want to compare rates from a specific insurance company, don’t hesitate to navigate to their website and fill out the quote form the provide.
When looking for a reliable insurance agency, you should know the types of insurance agents and how they operate. Auto insurance agencies can either be independent or exclusive depending on the company they work for. Both can sell and service auto insurance coverage, but it’s worth learning the difference between them since it may influence your selection of an agent.
Independent Agencies or Brokers
These agents are normally appointed by many insurers and that is an advantage because they can write policies with multiple insurance companies and get the cheapest rates. If your agent finds better pricing, they simply move the coverage in-house and you stay with the same agent. If you are trying to find cheaper rates, it’s recommended you get quotes from several independent insurance agents to get the best comparison.
The following is a short list of independent agents in Scottsdale that may be able to give comparison quotes.
Exclusive Insurance Agencies
Agents that elect to be exclusive can only place business with one company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot give you multiple price quotes so they are skilled at selling on more than just price. They are well trained on what they offer which can be an advantage.
Shown below are Scottsdale exclusive agencies willing to provide comparison quotes.
Dennis Dowling – State Farm Insurance Agent
5310 E Shea Blvd #3 – Scottsdale, AZ 85254 – (602) 996-8811 – View Map
Allstate Insurance: Schubert Insurance and Financial Svcs
20731 N Scottsdale Rd – Scottsdale, AZ 85255 – (480) 515-6259 – View Map
Finding the right auto insurance agent requires more thought than just a cheap price. The following questions are important to ask.
- How much experience to they have in personal lines coverages?
- Do they have a Better Business Bureau rating in Scottsdale?
- Do you work with a CSR or direct with the agent?
- Do you qualify for any additional discounts?
- Did they already check your driving record and credit reports?
Compare insurance prices regularly to save
When searching for the cheapest Ford F-350 rate quotes, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits and learned later that they should have had better coverage. Your goal should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.
Lower-priced insurance in Scottsdale is definitely available from both online companies as well as from independent agents in Scottsdale, so you should compare both to have the best rate selection. Some insurance companies don’t offer the ability to get quotes online and these regional carriers provide coverage only through independent insurance agents.
Steps to finding discount Ford F-350 insurance in Scottsdale
The easiest way to find lower priced Ford F-350 insurance is to do a yearly price comparison from different companies that insure vehicles in Scottsdale.
- First, take a little time to learn about how insurance companies determine prices and the changes you can make to keep rates in check. Many things that result in higher prices such as multiple speeding tickets and bad credit can be eliminated by being financially responsible and driving safely.
- Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for a wide range of insurance providers.
- Third, compare the new rate quotes to your current policy premium to determine if you can save on F-350 insurance in Scottsdale. If you find a lower rate quote and decide to switch, make sure there is no lapse in coverage.
- Fourth, give notification to your current company of your decision to cancel your current policy and submit the required down payment along with the signed application for your new policy. Once received, put the certificate verifying proof of insurance in your vehicle’s glove compartment or console.
A good tip to remember is that you use identical deductibles and limits on every quote request and and to get prices from all possible companies. Doing this enables an apples-to-apples comparison and a better comparison of the market.
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