Feel like you’re a prisoner to high-priced Ford F-350 insurance in Philadelphia? Trust us when we tell you many Philadelphia drivers feel the same as you.
It’s easy to assume that car insurance companies don’t want you to look for a cheaper policy. Insureds who shop around annually are likely to buy a new policy because there is a good chance of finding more affordable rates. A recent survey found that drivers who regularly compared price quotes saved over $850 each year compared to people who never shopped around for better prices.
If finding the cheapest price on Ford F-350 insurance is the reason you’re here, understanding how to compare insurance rates can make it easier to shop your coverage around.
Due to the abundance of companies to choose from that have cheap insurance for a Ford F-350 in Philadelphia, it’s nearly impossible to find the most cost effective insurance company.
Smart consumers take time to get comparison quotes once or twice a year since insurance prices change frequently. Just because you found the best rates on Ford F-350 insurance in Philadelphia on your last policy you will most likely find a better premium rate today. Forget all the misinformation about car insurance because we’re going to demonstrate the right way to find the best coverage while lowering your premiums.
Finding affordable insurance coverage in Philadelphia is much easier if you have a good place to start. In a nutshell, everyone who is required to buy insurance will most likely find better rates. But Pennsylvania consumers must learn the way companies determine how much to charge and use it to your advantage.
The quickest method to compare insurance rates in your area is to know the trick car insurance companies have advanced systems to give you rate quotes. To start a quote, the only thing you need to do is provide a small amount of information including if a SR-22 is needed, whether you are married, whether the vehicles are used for commuting, and if you have an active license. That information is then sent to multiple car insurance providers and they provide comparison quotes almost instantly.
To compare cheaper Ford F-350 insurance rates now, click here and enter your coverage details.
The following companies provide price quotes in Philadelphia, PA. If multiple companies are shown, we suggest you visit several of them to get a more complete price comparison.
Ford F-350 insurance rate analysis
The data table below outlines different insurance coverage prices for Ford F-350 models. Learning a little about how policy rates are established is important to be able to make smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$136||$264||$464||$28||$138||$1,030||$86|
|F-350 XL Super Cab 4WD||$136||$264||$464||$28||$138||$1,030||$86|
|F-350 XL Super Cab 2WD||$152||$224||$310||$18||$92||$796||$66|
|F-350 Super Cab Cabela Package 4WD||$152||$264||$464||$28||$138||$1,046||$87|
|F-350 Super Cab Cabela Package 2WD||$152||$264||$310||$18||$92||$836||$70|
|F-350 XL Crew Cab 2WD||$152||$264||$310||$18||$92||$836||$70|
|F-350 Crew Cab Harley Edition 4WD||$152||$264||$464||$28||$138||$1,046||$87|
|F-350 Super Cab Harley Edition 4WD||$152||$264||$464||$28||$138||$1,046||$87|
|F-350 Crew Cab King Ranch 4WD||$152||$264||$464||$28||$138||$1,046||$87|
|F-350 XLT Crew Cab 4WD||$152||$264||$464||$28||$138||$1,046||$87|
|F-350 XL Super Cab Turbo Diesel 4WD||$152||$264||$464||$28||$138||$1,046||$87|
|F-350 XLT Super Cab 4WD||$152||$264||$464||$28||$138||$1,046||$87|
|F-350 XLT Super Cab 2WD||$152||$264||$310||$18||$92||$836||$70|
|F-350 XL Crew Cab Cabela Package 2WD||$152||$264||$310||$18||$92||$836||$70|
|F-350 XL Crew Cab King Ranch 2WD||$152||$264||$310||$18||$92||$836||$70|
|F-350 Crew Cab Lariat 4WD||$152||$304||$464||$28||$138||$1,086||$91|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$152||$304||$464||$28||$138||$1,086||$91|
|F-350 Crew Cab Cabela Package 4WD||$152||$304||$464||$28||$138||$1,086||$91|
|F-350 XL Crew Cab Turbo Diesel 4WD||$152||$304||$464||$28||$138||$1,086||$91|
|F-350 Super Cab Lariat 4WD||$152||$304||$464||$28||$138||$1,086||$91|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$152||$304||$464||$28||$138||$1,086||$91|
|F-350 XLT Super Cab Turbo Diesel 4WD||$152||$304||$464||$28||$138||$1,086||$91|
|F-350 Super Cab Lariat 2WD||$168||$264||$310||$18||$92||$852||$71|
|F-350 XL Super Cab Turbo Diesel 2WD||$168||$264||$310||$18||$92||$852||$71|
|F-350 Super Cab Harley Edition 2WD||$168||$264||$310||$18||$92||$852||$71|
|F-350 XLT Crew Cab 2WD||$168||$264||$310||$18||$92||$852||$71|
|F-350 XLT Crew Cab Lariat 2WD||$168||$264||$310||$18||$92||$852||$71|
|F-350 XLT Crew Cab Harley Edition 2WD||$168||$264||$310||$18||$92||$852||$71|
|F-350 XL Crew Cab Turbo Diesel 2WD||$168||$264||$310||$18||$92||$852||$71|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$168||$304||$464||$28||$138||$1,102||$92|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$168||$304||$464||$28||$138||$1,102||$92|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$168||$304||$464||$28||$138||$1,102||$92|
|F-350 Super Cab Harley Turbo Diesel 4WD||$168||$304||$464||$28||$138||$1,102||$92|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$168||$304||$310||$18||$92||$892||$74|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$168||$304||$310||$18||$92||$892||$74|
|F-350 Super Cab Harley Turbo Diesel 2WD||$168||$304||$310||$18||$92||$892||$74|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$168||$304||$310||$18||$92||$892||$74|
|F-350 Super Cab XLT Turbo Diesel 2WD||$168||$304||$310||$18||$92||$892||$74|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$168||$304||$464||$28||$138||$1,102||$92|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$168||$304||$464||$28||$138||$1,102||$92|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$168||$304||$310||$18||$92||$892||$74|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$168||$304||$310||$18||$92||$892||$74|
|Get Your Own Customized Quote Go|
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rates do not factor in zip code location which can revise premiums considerably.
Driving violations and accidents
The example below highlights how speeding tickets and at-fault fender-benders influence Ford F-350 premium costs for different age groups. The prices are based on a married male driver, full coverage, $500 deductibles, and no discounts are factored in.
Does it make sense to buy full coverage?
The illustration below compares Ford F-350 annual premium costs when comparing full coverage to state minimum liability only. The premiums are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no other discounts are factored in.
Should you pay for full coverage?
There is no exact formula of when to phase out physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s assume your Ford F-350 replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,000 after paying your policy deductible. If premiums are more than $800 a year for full coverage, then it may be the right time to buy liability only.
There are some scenarios where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.
Buying the right Ford F-350 insurance in Pennsylvania is an important decision
Despite the potentially high cost of Ford F-350 insurance, maintaining insurance is required in Pennsylvania but also provides important benefits.
First, almost all states have mandatory liability insurance requirements which means state laws require specific limits of liability insurance in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your car has a loan, almost all lenders will force you to have insurance to guarantee payment of the loan. If the policy lapses, the bank may buy a policy for your Ford for a much higher rate and force you to reimburse them a much higher amount than you were paying before.
Third, insurance protects both your assets and your Ford. It will also cover medical transport and hospital expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to repair the damage.
The benefits of insuring your car greatly outweigh the cost, especially with large liability claims. Unknowingly, the average driver is overpaying over $865 each year so you should quote your policy with other companies at least once a year to ensure rates are competitive.
These five discounts can slash Ford F-350 insurance rates
Companies that sell car insurance don’t list the complete list of policy discounts in a way that’s easy to find, so below is a list a few of the more common as well as the least known discounts that you may qualify for.
- Discount for Life Insurance – Select insurance companies reward you with lower prices if you buy some life insurance in addition to your auto policy.
- Multi-car Discount – Drivers who insure primary and secondary vehicles on a single policy can get a discount on all vehicles.
- Smart Student Discounts – A discount for being a good student can save 20 to 25%. Most companies allow this discount until age 25.
- ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
- Federal Government Employee – Having worked for a branch of the government could provide a small rate reduction with some insurance companies.
You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will help reduce your premiums.
The diagram below visualizes the comparison of Ford F-350 insurance premiums with and without some available policy discounts. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, claim-free, marriage, and safe-driver discounts applied.
Companies and a partial list of their discounts are included below.
- Progressive policyholders can earn discounts including online quote discount, good student, homeowner, online signing, multi-policy, and multi-vehicle.
- The Hartford may have discounts that include driver training, defensive driver, good student, bundle, anti-theft, and air bag.
- Mercury Insurance offers premium reductions for multi-car, ease of repair, good driver, age of vehicle, type of vehicle, location of vehicle, and annual mileage.
- GEICO offers discounts for good student, military active duty, federal employee, membership and employees, air bags, five-year accident-free, and driver training.
- AAA discounts include education and occupation, AAA membership discount, multi-policy, multi-car, good student, and pay-in-full.
- State Farm has savings for good driver, accident-free, good student, student away at school, and Drive Safe & Save.
If you want low cost Philadelphia auto insurance quotes, ask all the companies to apply every possible discount. Some discounts listed above might not apply in Philadelphia. To find providers that offer multiple discounts in Philadelphia, click this link.
Car insurance agents can help
Certain consumers just prefer to have an agent’s advice and we recommend doing that One of the great benefits of price shopping on the web is that you can find lower car insurance rates and still have an agent to talk to.
To make it easy to find an agent, after completing this simple form, your coverage information is sent to insurance agents in Philadelphia that can give you free Philadelphia auto insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies since rate quotes are delivered to your email. You can find the lowest rates and an insurance agent to talk to. If you have a need to quote rates for a specific company, you can always go to their quote page and complete a quote there.
Choosing an insurer shouldn’t rely on just a low price. Any agent in Philadelphia should have no problem answering these questions:
- Will you work with the agent or an assistant?
- How many years of experience in personal auto insurance do they have?
- Does the agency have a positive business rating?
- Will they make sure you get an adequate claim settlement?
- Does the agent have a valid license to sell insurance in Pennsylvania?
- Can you choose the body shop in case repairs are needed?
- Do the coverages you’re quoting properly cover your vehicle?
- Will the quote change when the policy is issued?
When narrowing the list to find an insurance agent, it’s helpful to know the different types of agents and how they operate. Insurance agents are either independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
Exclusive agencies can only provide pricing for a single company and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are usually well trained on what they offer and that can be a competitive advantage.
The following is a list of exclusive insurance agencies in Philadelphia that are able to give comparison quotes.
Independent Insurance Agents
Independent agencies often have many company appointments and that is an advantage because they can write policies through many companies and potentially find a lower price. If premiums increase, they simply switch companies in-house and you can keep the same agent.
When comparing insurance rates, you will want to include rate quotes from a couple of independent agencies to get the best comparison.
Shown below are independent insurance agents in Philadelphia that can give you price quote information.
Parts of your auto insurance policy
Knowing the specifics of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on most auto insurance policies.
This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as theft, vandalism and damage from getting keyed. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Liability auto insurance
This protects you from damage that occurs to other’s property or people by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 15/30/5 that translate to a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.
Liability coverage pays for things like medical expenses, pain and suffering and emergency aid. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Pennsylvania requires drivers to carry at least 15/30/5 but drivers should carry more liability than the minimum.
The illustration below demonstrates why minimum state limits may not be enough.
Auto collision coverage
Collision insurance covers damage to your F-350 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like driving through your garage door, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible on your F-350 to get cheaper collision coverage.
Medical expense coverage
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as doctor visits, ambulance fees, hospital visits, pain medications and surgery. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Uninsured or underinsured coverage
This provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Ford F-350.
Since many Pennsylvania drivers only carry the minimum required liability limits (which is 15/30/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Do the work, save more money
In this article, we presented a lot of information how to get a better price on Ford F-350 insurance in Philadelphia. The key thing to remember is the more you quote Philadelphia auto insurance, the better your chances of lowering your car insurance rates. You may even find the lowest priced auto insurance comes from a smaller regional carrier. Smaller companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm and Allstate.
Lower-priced auto insurance in Philadelphia can be found online as well as from insurance agents, so get free Philadelphia auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies may not provide rate quotes online and most of the time these small, regional companies prefer to sell through independent agents.
- Where can I buy Insurance? (Insurance Information Institute)
- How Much is Philadelphia Auto Insurance for Teenage Males? (FAQ)
- What is the Cheapest Car Insurance in Philadelphia, Pennsylvania? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Learn About Car Insurance (GEICO)
- Help Your Teen Be a Better Driver (State Farm)
- Property Damage Coverage (Liberty Mutual)