Auto Insurance Rate Quotes for a Ford F-350 in Detroit

Insurance quote for Ford F-350 in DetroitIf you want to save the most money, the best way to get discount Ford F-350 insurance in Detroit is to do a yearly price comparison from insurance carriers in Michigan. This can be done by completing these steps.

A good tip to remember is that you’ll want to compare the same liability limits and deductibles on each quote and to quote with as many auto insurance providers as possible. This provides an accurate price comparison and a good representation of prices.

We don’t have to tell you that insurance companies don’t want policyholders to shop around. Consumers who shop around for the cheapest rate are highly likely to switch companies because there is a good chance of finding more affordable rates. Surprisingly, a recent survey revealed that drivers who regularly compared rates saved on average $70 a month compared to other drivers who don’t regularly compare prices.

If saving the most money on insurance is your objective, then having an understanding of how to quote and compare insurance can save time and money.

If you have a policy now, you will most likely be able to reduce the price you pay using the following tips. Locating the most cost-effective auto insurance policy in Detroit is much easier if you have a good place to start. Although Michigan car owners can benefit from knowing the methods companies use to set your policy premium and use it to find better rates.

Cut Insurance Costs with These Tips

Many things are part of the calculation when premium rates are determined. Some factors are common sense such as your driving history, but other criteria are not as apparent like where you live or how financially stable you are. Part of the insurance buying process is learning the rating factors that are used to determine your insurance rates. If you know what influences your rates, this allows you to make good choices that may result in lower premium levels.

Shown below are some of the most common factors used by insurance companies to determine premiums.

Lower annual miles equals lower premium – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies calculate rates based on their usage. Autos that do not get driven very much receive lower rates than cars that get driven a lot. Improper usage on your F-350 may be costing you higher rates. Make sure your declarations sheet shows the correct driver usage, because it can save money.

More performance means more cost – The make and model of the car you own makes a big difference in determining your rates. The lowest performance passenger cars normally have pretty low rates, but other factors influence the final cost greatly.

The following chart uses these variables: single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Ford F-350 policy rates compared to other vehicles that have different risk factors.

You might get higher prices if you are single – Walking down the aisle can get you a discount when buying insurance. Having a spouse means you’re more responsible and statistics prove drivers who are married are more cautious.

Job stress can make you pay more – Did you know your insurance rates can be affected by your occupation? Occupations like doctors, social workers, and emergency personnel are shown to have higher premium rates attributed to intense work-related stress and lots of time spent at work. Other professions such as scientists, students and performers generally pay rates lower than average.

Avoid traffic tickets – Just one citation could increase your next policy renewal twenty percent or more. Good drivers have lower premiums compared to bad drivers. Drivers who have gotten careless citations like DUI or willful reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.

The chart below shows how traffic citations and accidents can influence Ford F-350 insurance premiums for each different age group. The costs are based on a single female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Ford F-350 insurance loss probability – Insurance companies analyze claim trends for every vehicle when they set coverage costs for each model. Models that the statistics show to have a trend towards higher claims will have higher rates for specific coverages. The next table illustrates the insurance loss data for Ford F-350 vehicles.

For each coverage type, the loss probability for all vehicles, as an average, is equal to 100. Values that are below 100 suggest losses that are better than average, while percentages above 100 point to more claims or statistically larger losses.

Insurance Loss Ratings for Ford F-350 Vehicles
Vehicle 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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Compare free Detroit Ford F-350 insurance rate quotes

Most of the larger companies such as Progressive, Allstate and GEICO allow you to get coverage price quotes from their websites. Doing online price comparisons for Ford F-350 insurance in Detroit is easy for anyone as all you need to do is type in the coverage amounts you desire as requested by the quote form. Once entered, their system will obtain your driving and credit reports and returns pricing information based on the information you submitted. Being able to quote online for Ford F-350 insurance in Detroit makes it easy to compare insurance prices and it is imperative to perform this step if you are searching for the cheapest price.

To find out how much you’re overpaying now, compare quotes from the companies shown below. If you currently have coverage, we recommend you copy coverages and limits just like they are on your policy. This ensures you will get a rate comparison for exact coverage.

The following companies are our best choices to provide comparison quotes in Michigan. To locate cheap car insurance in Detroit, it’s a good idea that you compare several of them to find the most affordable car insurance rates.

Rates and detailed analysis

The information displayed below showcases a range of insurance premium costs for Ford F-350 models. Being more informed about how insurance quotes are formulated can aid in making decisions on which coverage to buy.

Ford F-350 Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $584 $1038 $1056 $62 $316 $3,056 $255
F-350 XL Super Cab 4WD $584 $1038 $1056 $62 $316 $3,056 $255
F-350 XL Super Cab 2WD $650 $882 $704 $42 $210 $2,488 $207
F-350 Super Cab Cabela Package 4WD $650 $1038 $1056 $62 $316 $3,122 $260
F-350 Super Cab Cabela Package 2WD $650 $1038 $704 $42 $210 $2,644 $220
F-350 XL Crew Cab 2WD $650 $1038 $704 $42 $210 $2,644 $220
F-350 Crew Cab Harley Edition 4WD $650 $1038 $1056 $62 $316 $3,122 $260
F-350 Super Cab Harley Edition 4WD $650 $1038 $1056 $62 $316 $3,122 $260
F-350 Crew Cab King Ranch 4WD $650 $1038 $1056 $62 $316 $3,122 $260
F-350 XLT Crew Cab 4WD $650 $1038 $1056 $62 $316 $3,122 $260
F-350 XL Super Cab Turbo Diesel 4WD $650 $1038 $1056 $62 $316 $3,122 $260
F-350 XLT Super Cab 4WD $650 $1038 $1056 $62 $316 $3,122 $260
F-350 XLT Super Cab 2WD $650 $1038 $704 $42 $210 $2,644 $220
F-350 XL Crew Cab Cabela Package 2WD $650 $1038 $704 $42 $210 $2,644 $220
F-350 XL Crew Cab King Ranch 2WD $650 $1038 $704 $42 $210 $2,644 $220
F-350 Crew Cab Lariat 4WD $650 $1196 $1056 $62 $316 $3,280 $273
F-350 Crew Cab King Ranch Turbo Diesel 4WD $650 $1196 $1056 $62 $316 $3,280 $273
F-350 Crew Cab Cabela Package 4WD $650 $1196 $1056 $62 $316 $3,280 $273
F-350 XL Crew Cab Turbo Diesel 4WD $650 $1196 $1056 $62 $316 $3,280 $273
F-350 Super Cab Lariat 4WD $650 $1196 $1056 $62 $316 $3,280 $273
F-350 Super Cab Cabela Turbo Diesel 4WD $650 $1196 $1056 $62 $316 $3,280 $273
F-350 XLT Super Cab Turbo Diesel 4WD $650 $1196 $1056 $62 $316 $3,280 $273
F-350 Super Cab Lariat 2WD $718 $1038 $704 $42 $210 $2,712 $226
F-350 XL Super Cab Turbo Diesel 2WD $718 $1038 $704 $42 $210 $2,712 $226
F-350 Super Cab Harley Edition 2WD $718 $1038 $704 $42 $210 $2,712 $226
F-350 XLT Crew Cab 2WD $718 $1038 $704 $42 $210 $2,712 $226
F-350 XLT Crew Cab Lariat 2WD $718 $1038 $704 $42 $210 $2,712 $226
F-350 XLT Crew Cab Harley Edition 2WD $718 $1038 $704 $42 $210 $2,712 $226
F-350 XL Crew Cab Turbo Diesel 2WD $718 $1038 $704 $42 $210 $2,712 $226
F-350 Super Cab Lariat Turbo Diesel 4WD $718 $1196 $1056 $62 $316 $3,348 $279
F-350 XLT Crew Cab Turbo Diesel 4WD $718 $1196 $1056 $62 $316 $3,348 $279
F-350 Crew Cab Harley Turbo Diesel 4WD $718 $1196 $1056 $62 $316 $3,348 $279
F-350 Super Cab Harley Turbo Diesel 4WD $718 $1196 $1056 $62 $316 $3,348 $279
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $718 $1196 $704 $42 $210 $2,870 $239
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $718 $1196 $704 $42 $210 $2,870 $239
F-350 Super Cab Harley Turbo Diesel 2WD $718 $1196 $704 $42 $210 $2,870 $239
F-350 Super Cab Cabela Turbo Diesel 2WD $718 $1196 $704 $42 $210 $2,870 $239
F-350 Super Cab XLT Turbo Diesel 2WD $718 $1196 $704 $42 $210 $2,870 $239
F-350 Crew Cab Lariat Turbo Diesel 4WD $718 $1196 $1056 $62 $316 $3,348 $279
F-350 Crew Cab Cabela Turbo Diesel 4WD $718 $1196 $1056 $62 $316 $3,348 $279
F-350 Crew Cab Lariat Turbo Diesel 2WD $718 $1196 $704 $42 $210 $2,870 $239
F-350 Super Cab Lariat Turbo Diesel 2WD $718 $1196 $704 $42 $210 $2,870 $239
Get Your Own Custom Quote Go

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in garaging location in Detroit which can revise premiums noticeably.

Here’s why car insurance is not optional

Despite the high cost of buying insurance for a Ford F-350 in Detroit, maintaining insurance may be required for several reasons.

The benefits of carrying adequate insurance more than offset the price you pay, especially if you ever need it. But the average driver in Michigan overpays as much as $825 a year so smart consumers compare quotes at every renewal to be sure current rates are still competitive.

Insurance rates and discounts

Insurance is easily one of your largest bills, but there’s a good chance there are discounts to cut the cost considerably. Some of these discounts will be visible when you get a quote, but some need to be specially asked for prior to receiving the credit.Save money with discounts

Consumers should know that some of the credits will not apply to the whole policy. Most only cut individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

The diagram below compares Ford F-350 yearly insurance costs with and without discounts being applied to the rates. The costs are based on a female driver, no accidents or driving violations, Michigan state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-car, multi-policy, and homeowner discounts applied.

A list of companies and some of the premium reductions they offer are outlined below.

It’s a good idea to ask each company or agent to give you their best rates. Savings might not apply everywhere.

Insurance is available from your local insurance agencies

A small number of people still like to go talk to an agent and that is a personal choice. A good thing about comparing rates online is that drivers can save money and get the best rates and still have an agent to talk to.

Find insurance agent in DetroitTo find an agent, once you fill out this quick form, your information is immediately sent to local insurance agents in Detroit who will gladly provide quotes to get your business. There is no need to contact an agency due to the fact that quote results will go immediately to you. You can find the lowest rates without having to waste a lot of time. If you have a need to get a comparison quote from a specific insurance provider, you would need to jump over to their website and submit a quote form there.

Selecting an insurance company is decision based upon more than just the price. The following questions are important to ask.

If you are searching for a reputable insurance agent or broker, it’s helpful to know the types of insurance agents and how they differ in how they can insure your vehicles. Agents in Detroit are classified as either independent agents or exclusive agents depending on their employer.

Exclusive Agents

Exclusive agents can usually just insure with one company and some examples include Farmers Insurance, State Farm, or Allstate. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. They are very knowledgeable on their company’s products which helps offset the inability to provide other markets.

Shown below is a short list of exclusive insurance agents in Detroit who can help you get price quotes.

7100 W Seven Mile RdDetroit, MI 48221(313) 340-9000View Map

Jim Saucedo – State Farm Insurance Agent
5602 Vernor HwyDetroit, MI 48209(313) 841-8100View Map

W, 7725 Vernor HwyDetroit, MI 48209(313) 554-1500View Map

View more Detroit agents

Independent Insurance Agents

Agents that elect to be independent do not work for one specific company so they can write business through many companies and find the cheapest insurance rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you stay with the same agent.

When comparing insurance prices, we recommend you compare prices from independent agents for the best price selection.

Below are independent agents in Detroit that can give you comparison quotes.

600 Renaissance Center # 2100Detroit, MI 48243(313) 393-6800View Map

11000 W McNichols RdDetroit, MI 48221(313) 397-4198View Map

1420 Broadway St #101Detroit, MI 48226(313) 964-3750View Map

View more Detroit agents

You can find affordable coverage

Low-cost Ford F-350 insurance in Detroit can be purchased from both online companies as well as from independent agents in Detroit, and you should compare rates from both in order to have the best chance of saving money. Some companies don’t offer rates over the internet and usually these regional carriers only sell coverage through local independent agents.

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at the lowest possible cost while still protecting your assets.

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