Really, the only way to get the cheapest Ford F-350 insurance is to do an annual price comparison from companies who provide car insurance in Dallas. Rates can be compared by completing these steps.
- Try to understand the coverage provided by your policy and the steps you can take to prevent rate increases. Many policy risk factors that cause high rates such as speeding and bad credit can be amended by being financially responsible and driving safely.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like Progressive or Allstate, while independent agents can quote prices from multiple insurance companies.
- Compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you find better rates and change companies, ensure there is no coverage lapse between policies.
A tip to remember is that you’ll want to compare the same amount of coverage on every quote request and and to get rate quotes from as many car insurance companies as possible. Doing this helps ensure an accurate price comparison and a complete price analysis.
It goes without saying that insurance companies don’t want you shop around. Insureds who shop around for the cheapest price are likely to move their business because they have good chances of finding a policy with better rates. A survey found that drivers who shopped around every year saved about $865 a year compared to other drivers who don’t regularly compare prices.
If finding the cheapest price on insurance is your objective, then learning a little about how to get free comparison quotes and analyze insurance premiums can make shopping around easier.
Buying affordable insurance in Dallas can be made easier if you know where to look. If you have insurance now or want to find a cheaper company, use these money-saving tips to get lower rates and still get good coverage. Smart shoppers only need to know how to shop their coverage around online.
Companies offering cheap Ford F-350 rates in Dallas, TX
The providers in the list below can provide quotes in Dallas, TX. If the list has multiple companies, we recommend you visit as many as you can to find the most competitive car insurance rates.
Ford F-350 coverage statistics
The rate table shown below showcases detailed analysis of insurance policy prices for Ford F-350 models. Having knowledge of how insurance quotes are determined can help drivers make smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$368||$720||$772||$46||$230||$2,136||$178|
|F-350 XL Super Cab 4WD||$368||$720||$772||$46||$230||$2,136||$178|
|F-350 XL Super Cab 2WD||$410||$610||$514||$30||$154||$1,718||$143|
|F-350 Super Cab Cabela Package 4WD||$410||$720||$772||$46||$230||$2,178||$182|
|F-350 Super Cab Cabela Package 2WD||$410||$720||$514||$30||$154||$1,828||$152|
|F-350 XL Crew Cab 2WD||$410||$720||$514||$30||$154||$1,828||$152|
|F-350 Crew Cab Harley Edition 4WD||$410||$720||$772||$46||$230||$2,178||$182|
|F-350 Super Cab Harley Edition 4WD||$410||$720||$772||$46||$230||$2,178||$182|
|F-350 Crew Cab King Ranch 4WD||$410||$720||$772||$46||$230||$2,178||$182|
|F-350 XLT Crew Cab 4WD||$410||$720||$772||$46||$230||$2,178||$182|
|F-350 XL Super Cab Turbo Diesel 4WD||$410||$720||$772||$46||$230||$2,178||$182|
|F-350 XLT Super Cab 4WD||$410||$720||$772||$46||$230||$2,178||$182|
|F-350 XLT Super Cab 2WD||$410||$720||$514||$30||$154||$1,828||$152|
|F-350 XL Crew Cab Cabela Package 2WD||$410||$720||$514||$30||$154||$1,828||$152|
|F-350 XL Crew Cab King Ranch 2WD||$410||$720||$514||$30||$154||$1,828||$152|
|F-350 Crew Cab Lariat 4WD||$410||$828||$772||$46||$230||$2,286||$191|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$410||$828||$772||$46||$230||$2,286||$191|
|F-350 Crew Cab Cabela Package 4WD||$410||$828||$772||$46||$230||$2,286||$191|
|F-350 XL Crew Cab Turbo Diesel 4WD||$410||$828||$772||$46||$230||$2,286||$191|
|F-350 Super Cab Lariat 4WD||$410||$828||$772||$46||$230||$2,286||$191|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$410||$828||$772||$46||$230||$2,286||$191|
|F-350 XLT Super Cab Turbo Diesel 4WD||$410||$828||$772||$46||$230||$2,286||$191|
|F-350 Super Cab Lariat 2WD||$452||$720||$514||$30||$154||$1,870||$156|
|F-350 XL Super Cab Turbo Diesel 2WD||$452||$720||$514||$30||$154||$1,870||$156|
|F-350 Super Cab Harley Edition 2WD||$452||$720||$514||$30||$154||$1,870||$156|
|F-350 XLT Crew Cab 2WD||$452||$720||$514||$30||$154||$1,870||$156|
|F-350 XLT Crew Cab Lariat 2WD||$452||$720||$514||$30||$154||$1,870||$156|
|F-350 XLT Crew Cab Harley Edition 2WD||$452||$720||$514||$30||$154||$1,870||$156|
|F-350 XL Crew Cab Turbo Diesel 2WD||$452||$720||$514||$30||$154||$1,870||$156|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$452||$828||$772||$46||$230||$2,328||$194|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$452||$828||$772||$46||$230||$2,328||$194|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$452||$828||$772||$46||$230||$2,328||$194|
|F-350 Super Cab Harley Turbo Diesel 4WD||$452||$828||$772||$46||$230||$2,328||$194|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$452||$828||$514||$30||$154||$1,978||$165|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$452||$828||$514||$30||$154||$1,978||$165|
|F-350 Super Cab Harley Turbo Diesel 2WD||$452||$828||$514||$30||$154||$1,978||$165|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$452||$828||$514||$30||$154||$1,978||$165|
|F-350 Super Cab XLT Turbo Diesel 2WD||$452||$828||$514||$30||$154||$1,978||$165|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$452||$828||$772||$46||$230||$2,328||$194|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$452||$828||$772||$46||$230||$2,328||$194|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$452||$828||$514||$30||$154||$1,978||$165|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$452||$828||$514||$30||$154||$1,978||$165|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific location which can alter prices substantially.
The example below illustrates how your choice of deductibles and can affect Ford F-350 annual premium costs for each different age category. The rates are based on a married female driver, full physical damage coverage, and no policy discounts are applied.
Informed Decisions Result in Lower Insurance Premiums
Lots of things are taken into consideration when you get a price on insurance. Some factors are common sense like your driving record, but other criteria are more obscure such as your marital status or how safe your car is.
More miles driven equals more premium – The more you drive your Ford in a year the higher the price you pay to insure it. The majority of insurers charge rates partially by how you use the vehicle. Cars that do not get driven very much receive lower rates than those that get driven frequently. Improper usage on your F-350 can result in significantly higher rates. Verify your car insurance policy properly reflects the correct driver usage.
Know your credit rating – An insured’s credit score factor in determining what you pay. If your credit score leaves room for improvement, you could potentially save money when insuring your Ford F-350 if you improve your credit rating. Drivers with very good credit scores tend to file fewer claims than drivers who have poor credit scores.
Lower rates with a multi-policy discount – Most insurers will award lower prices for people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to comparison shop to confirm you are receiving the best rates possible. You may still be able to find lower rates by insuring with multiple companies.
Discounts for GPS tracking and theft deterrents – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Systems that thwart thieves such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
Women pay lower costs – Over the last 30 years, statistics show that females tend to be a little less risky than males. The data does not necessarily mean that men are WORSE drivers than women. Females and males get in fender benders in similar percentages, but the male of the species have accidents that have higher claims. Men also tend to get higher numbers of serious violations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents so it costs more to insure them.
The example below visualizes the comparison of Ford F-350 insurance costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, full coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
Ford F-350 historical loss data – Car insurance companies use historical loss data to help set a rate to offset losses. Models that statistically have a higher amount or frequency of claims will cost more to insure. The table below outlines the historical insurance loss data for Ford F-350 vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles averaged together is set at 100. Percentage values below 100 are indicative of better than average losses, while numbers that are greater than 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.
|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|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance discounts are available to cut your rates
Companies don’t always publicize every available discount in a way that’s easy to find, so the below list has some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy Dallas car insurance online.
- Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. You can use this discount normally up to age 25.
- Theft Deterrent System – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
- Auto/Home Discount – When you combine your auto and home insurance with one insurance company you will save 10% to 20% off each policy.
- Seat Belts Save – Using a seat belt and requiring all passengers to buckle up before driving can save a little on medical payment and PIP coverage.
- Driving Data Discount – People who choose to allow their insurance company to spy on where and when they drive by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they exhibit good driving behavior.
- Active Service Discounts – Having a family member in the military can result in better prices.
- Save with a New Car – Insuring a new F-350 may earn a small discount compared to insuring an older model.
- Accident Forgiveness – This one is not really a discount per se, but companies like State Farm and GEICO permit an accident without the usual rate increase as long as you don’t have any claims for a certain period of time.
Don’t be surprised that some credits don’t apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will definitely reduce your policy premium.
The information below illustrates the comparison of Ford F-350 auto insurance rates with and without some available policy discounts. The prices are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, homeowner, claim-free, and safe-driver discounts applied.
A list of insurance companies and their possible discounts can be read below.
- Farm Bureau includes discounts for multi-policy, safe driver, renewal discount, multi-vehicle, youthful driver, and driver training.
- State Farm may have discounts that include Steer Clear safe driver discount, driver’s education, anti-theft, multiple policy, safe vehicle, and Drive Safe & Save.
- Progressive offers premium reductions for homeowner, multi-policy, online signing, good student, and continuous coverage.
- Allstate has discounts for premier plus, teenSMART discount, resident student, auto/life discount, good payer, and farm vehicle.
- Nationwide policyholders can earn discounts including business or organization, defensive driving, easy pay, anti-theft, and good student.
- MetLife offers discounts for defensive driver, claim-free, good driver, good student, multi-policy, and accident-free.
When getting free Dallas car insurance quotes, it’s a good idea to every company which discounts can lower your rates. Some of the earlier mentioned discounts might not be available to policyholders everywhere. To see companies offering insurance discounts in Texas, click this link.
Shop online but buy locally
Certain consumers would prefer to get professional advice from a licensed agent and doing so can bring peace of mind Good insurance agents can help you build your policy and give you someone to call. The biggest benefit of getting online price quotes is you may find cheap auto insurance rates and still have an agent to talk to.
Once you complete this quick form, your coverage information gets sent to local insurance agents in Dallas that provide free Dallas car insurance quotes for your insurance coverage. It makes it easy because there is no need to leave your computer as quotes are delivered to you instantly. If for some reason you want to get a comparison quote from a specific insurance company, just search and find their rate quote page and give them your coverage information.
Choosing a insurance company requires you to look at more than just the quoted price. These are valid questions to ask:
- Which companies do they recommend if they are an independent agency?
- Is the quote a firm price?
- What is their Better Business Bureau rating?
- Are claims handled at the agent’s location?
- Is the agency covered by Errors and Omissions coverage?
If you want to use a reputable insurance agent or broker, it can be helpful to understand the types of insurance agents and how they differ in how they can insure your vehicles. Auto insurance agents may be either independent or exclusive. Either type can insure your vehicles, but it is a good idea to know how they are different since it could factor into the type of agent you choose.
Exclusive Auto Insurance Agencies
Agents of this type can only quote rates from one company and examples are Farmers Insurance or State Farm. These agents are unable to provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents are highly trained on their company’s products and that allows them to sell at a higher price point.
Below are Dallas exclusive insurance agents who can help you get price quotes.
Independent Agents (or Brokers)
These type of agents are not employed by one company and that gives them the ability to insure with any number of different companies and find you the best rates. To move your coverage to a new company, they simply move your policy to a different company which requires no work on your part.
When shopping rates, you should always compare quotes from at least one independent agent so that you have a good selection of quotes to compare.
Shown below are independent insurance agents in Dallas who can help you get price quotes.
If you receive positive feedback to any questions you have as well as offering an affordable quote, it’s possible that you found an insurance agent that is reputable and can adequately provide auto insurance. Keep in mind once you purchase a policy you can cancel your policy whenever you choose to so never assume that you are permanently stuck with the auto insurance policy with no way out.
Find cheap insurance rates by comparing often
In this article, we presented many ways to get a better price on Ford F-350 insurance in Dallas. It’s most important to understand that the more you quote Dallas car insurance, the more likely it is that you will get a better rate. You may even find the most savings is with a smaller regional carrier. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as GEICO and State Farm.
As you restructure your insurance plan, you should never skimp on coverage in order to save money. There have been many cases where an insured cut collision coverage to discover at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.
To read more, link through to the following helpful articles:
- Bodily Injury Coverage (Liberty Mutual)
- How Much is Auto Insurance for Drivers with Good Credit in Dallas? (FAQ)
- Who Has Affordable Car Insurance Rates for Real Estate Agents in Dallas? (FAQ)
- How Much is Car Insurance for a 20 Year Old Male in Dallas? (FAQ)
- Who Has Affordable Dallas Auto Insurance for a Honda Civic? (FAQ)
- Understanding your Policy (NAIC.org)
- What does Personal Injury Protection (PIP) Cover? (Allstate)