Ford F-350 Insurance Rate Quotes in Baltimore

It’s amazing but almost 70% of drivers kept their coverage with the same car insurance company for four years or more, and almost half have never compared rates from other carriers. Baltimore consumers could save themselves 55% a year just by comparing rates, but they don’t believe the large savings they would see if they switched.

If you want to save money, the best way to get budget Ford F-350 insurance is to compare prices at least once a year from insurers who provide car insurance in Baltimore. Price quotes can be compared by following these steps.

Step 1: Take a little time to learn about what is in your policy and the factors you can control to drop your rates. Many policy risk factors that cause high rates like careless driving and a low credit score can be amended by improving your driving habits or financial responsibility.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can quote rates from many different companies.

Step 3: Compare the price quotes to your existing rates and determine if there is any savings. If you find better rates and switch companies, ensure there is no coverage lapse between policies.

Step 4: Give notification to your agent or company to cancel your current coverage. Submit a signed application and payment to your new insurance company. Immediately place your new certificate verifying coverage with your registration paperwork.

A key point to remember is that you use similar coverage information on every quote and and to get price quotes from every insurance company. This helps ensure a fair price comparison and the best rate selection.

The best way we recommend to compare car insurance company rates for Ford F-350 insurance in Baltimore is to realize most larger insurance companies have advanced systems to provide you with a free rate quote. The only thing you need to do is give the companies some data such as driver ages, how many miles driven, whether the vehicles are used for commuting, and how much coverage you want. That rating information is sent automatically to multiple different insurance companies and you should receive rate quotes almost instantly.

To find the cheapest Ford F-350 insurance rates, click here and complete the form.

The companies shown below offer quotes in Maryland. To find cheaper car insurance in MD, we suggest you compare several of them in order to get a fair rate comparison.

Analysis of Ford F-350 rates

The table shown below outlines different insurance premium costs for Ford F-350 models. Being able to understand how insurance prices are formulated can be useful when making decisions when shopping around.

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in zip code location which can influence insurance rates substantially.

Safe drivers pay cheaper rates

The information below illustrates how violations and at-fault fender-benders influence Ford F-350 annual premium costs for each different age group. The costs are based on a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Insurance does more than just protect your car

Despite the potentially high cost of Ford F-350 insurance, paying for insurance is not optional due to several reasons.

First, almost all states have minimum liability requirements which means you are required to buy a specific minimum amount of liability if you drive a vehicle. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you bought your car with a loan, it’s most likely the lender will require that you buy insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may buy a policy for your Ford at an extremely high rate and require you to fork over much more than you were paying before.

Third, insurance preserves not only your car but also your financial assets. It will also reimburse you for medical bills incurred in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses in the event you are sued. If you have damage to your Ford as the result of the weather or an accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of having insurance definitely exceed the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays more than $865 each year so compare quotes from several companies each time the policy renews to save money.

How to Lower Your Insurance Prices

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help calculate the price you pay for auto insurance. When you know what positively or negatively impacts premium levels, this enables you to make decisions that may reward you with better auto insurance rates.

• See if your company offers a multi-policy discount – Many insurance companies provide lower prices to clients that have more than one policy. It’s known as a multi-policy discount. This can amount to as much as ten percent or more Even with this discount applied, drivers will still want to compare other company rates to guarantee you are still saving the most.
• Never allow your auto insurance to lapse – Having a lapse in insurance coverage is a guaranteed way to pay more for auto insurance. Not only will you pay more, being ticketed for driving with no insurance can result in fines or a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with the Maryland motor vehicle department to get your license reinstated.
• Stress out and pay more – Do you work in a high-stress field? Jobs such as judges, airline pilots, and medical professionals tend to have higher rates than average attributed to intense work requirements and incredibly demanding work hours. On the flip side, careers like farmers, engineers and performers pay lower than average rates.

• Women tend to take less risk – Statistics have proven that females tend to be a little less risky than males. It does not mean females are better drivers. Both sexes have accidents in similar numbers, but the males get into accidents with more damage. Men also tend to receive more major tickets such as DWI and reckless driving. Male teenagers cause the most accidents so they pay the highest premiums.

  The example below shows the difference between Ford F-350 insurance costs for male and female drivers. The premium estimates are based on no driving violations, no at-fault accidents, full coverage, $250 deductibles, drivers are not married, and no discounts are applied.

• Only buy what you need – There are many optional add-on coverages that may not really be needed when buying auto insurance. Insurance for rental car coverage, accident forgiveness, and motor club memberships are examples of these. You may think they are a good idea initially, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Cars with good safety ratings cost less to insure – Safe vehicles get lower rates. Highly rated vehicles result in less severe injuries and fewer serious injuries translates into savings for insurance companies passed on to you as lower rates.
• Higher physical damage deductibles are cheaper – Insurance for physical damage to your car, aka comp and collision, covers your vehicle from damage. Some coverage claims are collision with another vehicle, damage from fire, and damage caused by flying debris. The deductibles you choose are how much you are required to pay if a claim is determined to be covered. The more expense you have to pay, the lower your rates will be.

• Insurance losses for a Ford F-350 – Companies use past loss statistics for each vehicle when setting premium costs. Models that the data determines to have high amounts or severity of claims will cost more for specific coverages. The table below outlines the historical loss data for Ford F-350 vehicles.

  For each policy coverage type, the claim probability for all vehicles combined as an average is considered to be 100. Percentages below 100 suggest a better than average loss history, while values that are above 100 indicate higher probability of having a loss or an increased chance of a larger loss.

  
  

  Insurance Loss Ratings for Ford F-350 Vehicles

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Compare but don’t skimp

Lower-priced auto insurance in Baltimore can be found on the web and from local insurance agents, and you should be comparing both to have the best selection. A few companies may not have the ability to get quotes online and most of the time these small insurance companies only sell coverage through independent agents.

You just learned many ideas to shop for Ford F-350 insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding cheaper Baltimore car insurance quotes. You may even find the lowest rates come from the smaller companies. They can often provide lower car insurance rates in certain areas as compared to the big name companies such as GEICO and State Farm.

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. In many cases, an insured cut physical damage coverage only to regret at claim time that they should have had better coverage. Your strategy should be to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

Additional detailed information can be read by following these links:

• Safety Belts FAQ (iihs.org)
• Who Has the Cheapest Car Insurance Rates for Low Credit Scores in Baltimore? (FAQ)
• Who Has Affordable Baltimore Auto Insurance for a Nissan Rogue? (FAQ)
• Who Has Cheap Auto Insurance for Good Students in Baltimore? (FAQ)
• Booster Seat Ratings (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• What is a Telematics Device? (Allstate)
• Liability Insurance Coverage (Nationwide)