Truthfully, the best way to get cheaper Ford F-350 insurance is to begin comparing prices regularly from insurers who provide auto insurance in Orlando. You can shop around by following these steps.
- First, take a few minutes and learn about what coverages are included in your policy and the measures you can control to keep rates low. Many factors that drive up the price like traffic violations, accidents, and an imperfect credit rating can be improved by improving your driving habits or financial responsibility. Continue reading for additional tips to keep prices down and earn larger discounts.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes for many different companies.
- Third, compare the price quotes to your existing coverage to see if you can save by switching companies. If you can save some money and make a switch, make sure coverage is continuous and does not lapse.
The key thing to know about shopping around is to make sure you’re comparing identical coverages on every quote and and to analyze as many different insurance providers as possible. This provides a fair price comparison and a good representation of prices.
We don’t have to tell you that auto insurance companies want to keep you from comparing rates. Drivers who shop around once a year will most likely buy a different policy because there is a significant possibility of finding a more affordable policy. A recent survey revealed that consumers who regularly shopped around saved on average $3,450 over four years compared to drivers who never shopped around.
If finding the cheapest price on insurance is the reason for your visit, then having a grasp of the best ways to find and compare coverage rates can help you succeed in saving money.
If you are insured now, you will surely be able to find better prices using the concepts covered in this article. Finding affordable coverage in Orlando can be much easier if you know how to start. Nevertheless, Florida car owners can benefit from knowing the way companies sell online because it varies considerably.
When comparing insurance rates, know that comparing more rates from different companies provides better odds of finding a lower rate than you’re paying now. Some insurance companies are not set up to provide online Orlando F-350 insurance quotes, so you also need to get price quotes from those companies as well.
The providers in the list below are our best choices to provide free rate quotes in Orlando, FL. To find cheaper auto insurance in Florida, we suggest you get rates from several of them to find the most competitive auto insurance rates.
Coverage statistics and figures
The data table shown next outlines estimates of rate quotes for Ford F-350 models. Having a good understanding how policy rates are formulated can be valuable when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-350 XL Crew Cab 4WD | $392 | $748 | $638 | $38 | $192 | $2,008 | $167 |
| F-350 XL Super Cab 4WD | $392 | $748 | $638 | $38 | $192 | $2,008 | $167 |
| F-350 XL Super Cab 2WD | $438 | $636 | $426 | $26 | $128 | $1,654 | $138 |
| F-350 Super Cab Cabela Package 4WD | $438 | $748 | $638 | $38 | $192 | $2,054 | $171 |
| F-350 Super Cab Cabela Package 2WD | $438 | $748 | $426 | $26 | $128 | $1,766 | $147 |
| F-350 XL Crew Cab 2WD | $438 | $748 | $426 | $26 | $128 | $1,766 | $147 |
| F-350 Crew Cab Harley Edition 4WD | $438 | $748 | $638 | $38 | $192 | $2,054 | $171 |
| F-350 Super Cab Harley Edition 4WD | $438 | $748 | $638 | $38 | $192 | $2,054 | $171 |
| F-350 Crew Cab King Ranch 4WD | $438 | $748 | $638 | $38 | $192 | $2,054 | $171 |
| F-350 XLT Crew Cab 4WD | $438 | $748 | $638 | $38 | $192 | $2,054 | $171 |
| F-350 XL Super Cab Turbo Diesel 4WD | $438 | $748 | $638 | $38 | $192 | $2,054 | $171 |
| F-350 XLT Super Cab 4WD | $438 | $748 | $638 | $38 | $192 | $2,054 | $171 |
| F-350 XLT Super Cab 2WD | $438 | $748 | $426 | $26 | $128 | $1,766 | $147 |
| F-350 XL Crew Cab Cabela Package 2WD | $438 | $748 | $426 | $26 | $128 | $1,766 | $147 |
| F-350 XL Crew Cab King Ranch 2WD | $438 | $748 | $426 | $26 | $128 | $1,766 | $147 |
| F-350 Crew Cab Lariat 4WD | $438 | $862 | $638 | $38 | $192 | $2,168 | $181 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $438 | $862 | $638 | $38 | $192 | $2,168 | $181 |
| F-350 Crew Cab Cabela Package 4WD | $438 | $862 | $638 | $38 | $192 | $2,168 | $181 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $438 | $862 | $638 | $38 | $192 | $2,168 | $181 |
| F-350 Super Cab Lariat 4WD | $438 | $862 | $638 | $38 | $192 | $2,168 | $181 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $438 | $862 | $638 | $38 | $192 | $2,168 | $181 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $438 | $862 | $638 | $38 | $192 | $2,168 | $181 |
| F-350 Super Cab Lariat 2WD | $482 | $748 | $426 | $26 | $128 | $1,810 | $151 |
| F-350 XL Super Cab Turbo Diesel 2WD | $482 | $748 | $426 | $26 | $128 | $1,810 | $151 |
| F-350 Super Cab Harley Edition 2WD | $482 | $748 | $426 | $26 | $128 | $1,810 | $151 |
| F-350 XLT Crew Cab 2WD | $482 | $748 | $426 | $26 | $128 | $1,810 | $151 |
| F-350 XLT Crew Cab Lariat 2WD | $482 | $748 | $426 | $26 | $128 | $1,810 | $151 |
| F-350 XLT Crew Cab Harley Edition 2WD | $482 | $748 | $426 | $26 | $128 | $1,810 | $151 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $482 | $748 | $426 | $26 | $128 | $1,810 | $151 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $482 | $862 | $638 | $38 | $192 | $2,212 | $184 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $482 | $862 | $638 | $38 | $192 | $2,212 | $184 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $482 | $862 | $638 | $38 | $192 | $2,212 | $184 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $482 | $862 | $638 | $38 | $192 | $2,212 | $184 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $482 | $862 | $426 | $26 | $128 | $1,924 | $160 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $482 | $862 | $426 | $26 | $128 | $1,924 | $160 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $482 | $862 | $426 | $26 | $128 | $1,924 | $160 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $482 | $862 | $426 | $26 | $128 | $1,924 | $160 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $482 | $862 | $426 | $26 | $128 | $1,924 | $160 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $482 | $862 | $638 | $38 | $192 | $2,212 | $184 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $482 | $862 | $638 | $38 | $192 | $2,212 | $184 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $482 | $862 | $426 | $26 | $128 | $1,924 | $160 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $482 | $862 | $426 | $26 | $128 | $1,924 | $160 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in zip code location which can increase or decrease rates noticeably.
Cost comparison with and without full coverage
The chart below shows the difference between Ford F-350 insurance costs when comparing full coverage to state minimum liability only. The costs are based on no claims or driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
When to drop full coverage
There is no set rule for excluding comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Ford F-350 claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after paying your policy deductible. If premiums are more than $500 a year to have full coverage, then it might be time to buy liability only.
There are some conditions where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Can’t I compare rate quotes from local Orlando auto insurance agents?
Some people would prefer to talk to an insurance agent and we recommend doing that One of the benefits of comparing rates online is the fact that drivers can get better rates and still buy from a local agent. Buying insurance from local insurance agents is definitely important in Orlando.
To find an agent, once you fill out this simple form, your information is transmitted to companies in Orlando that can provide free Orlando auto insurance quotes to get your business. It’s much easier because you don’t need to search for an agent since price quotes are sent instantly to you. You can find better rates and work with a local agent. If you wish to quote rates from one company in particular, just go to their quote page and fill out their quote form.
If you are wanting to find a reliable insurance agent, you need to know there are two types of insurance agents and how they operate. Agents in Orlando are either independent agents or exclusive agents.
Independent Insurance Agents
These agents are not locked into one company so they can quote policies with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, they simply switch companies in-house and you won’t have to switch agencies. If you are comparing insurance prices, you should always get rate quotes from several independent insurance agents so that you can do a thorough price comparison.
Featured below are Orlando independent insurance agents that may be able to give you free insurance rate quotes.
J Meyers Insurance Agency
5003 Old Cheney Hwy – Orlando, FL 32807 – (407) 273-0230 – View Map
Orlando Insurance Agency
5764 N Orange Blossom Trail – Orlando, FL 32810 – (407) 901-2103 – View Map
Brad Shivers Insurance Agency
1060 Woodcock Rd – Orlando, FL 32803 – (407) 601-1835 – View Map
Exclusive Agencies
Agents of this type are contracted to one company like Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to provide prices from multiple companies so you might not find the best rates. Exclusive agents are well trained in insurance sales which helps offset the inability to provide other markets.
The following are Orlando exclusive insurance agents that are able to give price quote information.
GEICO Insurance Agent
5005 E Colonial Dr – Orlando, FL 32803 – (407) 897-7157 – View Map
Andy Phillips – State Farm Insurance Agent
7608 W Sand Lake Rd – Orlando, FL 32819 – (407) 354-1320 – View Map
Alfredo Ortega – State Farm Insurance Agent
1118 Manor Dr – Orlando, FL 32807 – (407) 249-9999 – View Map
Choosing the best insurance agent requires more thought than just a cheap price. These questions are important to ask:
- What discounts might you be missing?
- Is the quote a firm price?
- Will they give you a referral list?
- Do they carry Errors and Omissions coverage?
- What is the agency’s Better Business Bureau rating?
- Is the agent and/or agency licensed to do business in Florida?
- When do they do a full risk review?
- Do they offer claims assistance after hours?
After talking to the agent and getting positive responses to any questions you may have as well as the cheapest Ford F-350 insurance in Orlando quotes, it’s possible that you found an insurance agent that meets the requirements to properly service your insurance policy. Just be aware that it’s your policy and you can cancel coverage for any reason so don’t think you are locked into a policy for the full term.