Auto Insurance Quotes for a Ford F-350 in Phoenix

If you’re new to shopping for Phoenix car insurance quotes online, it’s easy to get overwhelmed thanks to the huge assortment of insurance providers offering insurance in Phoenix.

Discount Ford F-350 insuranceA recent study showed that most drivers have purchased from the same company for a minimum of four years, and nearly the majority have never compared rates with other companies. Phoenix drivers could cut their rates by roughly 50% a year by just comparing quotes, but they underestimate how much they could save if they switched.

This article’s intent is to instruct you on how to get online quotes and also save some money in the process If you currently have a car insurance policy, you will surely be able to get lower rates using the ideas covered in this article. But Arizona drivers can benefit from knowing the way insurance companies price online insurance and use this information to your advantage.

Affordable companies for Ford F-350 insurance

The following companies are our best choices to provide quotes in Phoenix, AZ. If more than one company is shown, we suggest you visit two to three different companies in order to find the lowest rates.

Ford F-350 Insurance Rate Estimates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $280 $620 $584 $34 $176 $1,694 $141
F-350 XL Super Cab 4WD $250 $520 $584 $34 $176 $1,564 $130
F-350 XL Super Cab 2WD $204 $324 $338 $20 $102 $988 $82
F-350 Super Cab Cabela Package 4WD $154 $284 $508 $30 $152 $1,128 $94
F-350 Super Cab Cabela Package 2WD $314 $538 $306 $18 $92 $1,268 $106
F-350 XL Crew Cab 2WD $318 $632 $362 $22 $108 $1,442 $120
F-350 Crew Cab Harley Edition 4WD $154 $298 $508 $30 $152 $1,142 $95
F-350 Super Cab Harley Edition 4WD $204 $364 $472 $28 $142 $1,210 $101
F-350 Crew Cab King Ranch 4WD $184 $316 $432 $26 $130 $1,088 $91
F-350 XLT Crew Cab 4WD $138 $240 $422 $26 $126 $952 $79
F-350 XL Super Cab Turbo Diesel 4WD $318 $632 $544 $32 $162 $1,688 $141
F-350 XLT Super Cab 4WD $312 $620 $584 $34 $176 $1,726 $144
F-350 XLT Super Cab 2WD $230 $364 $306 $18 $92 $1,010 $84
F-350 XL Crew Cab Cabela Package 2WD $314 $538 $306 $18 $92 $1,268 $106
F-350 XL Crew Cab King Ranch 2WD $180 $290 $300 $18 $90 $878 $73
F-350 Crew Cab Lariat 4WD $370 $632 $590 $34 $176 $1,802 $150
F-350 Crew Cab King Ranch Turbo Diesel 4WD $230 $418 $458 $28 $138 $1,272 $106
F-350 Crew Cab Cabela Package 4WD $278 $650 $508 $30 $152 $1,618 $135
F-350 XL Crew Cab Turbo Diesel 4WD $296 $582 $464 $28 $138 $1,508 $126
F-350 Super Cab Lariat 4WD $206 $334 $590 $34 $176 $1,340 $112
F-350 Super Cab Cabela Turbo Diesel 4WD $250 $546 $508 $30 $152 $1,486 $124
F-350 XLT Super Cab Turbo Diesel 4WD $206 $334 $590 $34 $176 $1,340 $112
F-350 Super Cab Lariat 2WD $254 $364 $306 $18 $92 $1,034 $86
F-350 XL Super Cab Turbo Diesel 2WD $276 $456 $282 $16 $84 $1,114 $93
F-350 Super Cab Harley Edition 2WD $180 $266 $308 $18 $92 $864 $72
F-350 XLT Crew Cab 2WD $256 $426 $362 $22 $108 $1,174 $98
F-350 XLT Crew Cab Lariat 2WD $170 $284 $314 $18 $94 $880 $73
F-350 XLT Crew Cab Harley Edition 2WD $366 $460 $392 $24 $118 $1,360 $113
F-350 XL Crew Cab Turbo Diesel 2WD $308 $538 $338 $20 $102 $1,306 $109
F-350 Super Cab Lariat Turbo Diesel 4WD $254 $418 $458 $28 $138 $1,296 $108
F-350 XLT Crew Cab Turbo Diesel 4WD $312 $518 $458 $28 $138 $1,454 $121
F-350 Crew Cab Harley Turbo Diesel 4WD $226 $334 $590 $34 $176 $1,360 $113
F-350 Super Cab Harley Turbo Diesel 4WD $276 $518 $472 $28 $142 $1,436 $120
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $224 $418 $314 $18 $94 $1,068 $89
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $308 $620 $314 $18 $94 $1,354 $113
F-350 Super Cab Harley Turbo Diesel 2WD $346 $620 $306 $18 $92 $1,382 $115
F-350 Super Cab Cabela Turbo Diesel 2WD $254 $418 $306 $18 $92 $1,088 $91
F-350 Super Cab XLT Turbo Diesel 2WD $250 $450 $288 $18 $86 $1,092 $91
F-350 Crew Cab Lariat Turbo Diesel 4WD $250 $450 $432 $26 $130 $1,288 $107
F-350 Crew Cab Cabela Turbo Diesel 4WD $224 $418 $472 $28 $142 $1,284 $107
F-350 Crew Cab Lariat Turbo Diesel 2WD $276 $518 $314 $18 $94 $1,220 $102
F-350 Super Cab Lariat Turbo Diesel 2WD $256 $492 $362 $22 $108 $1,240 $103
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific Phoenix garaging location which can affect insurance rates noticeably.

Should you buy full coverage?

The illustration below shows the comparison of Ford F-350 insurance premiums with and without full coverage. The premiums are based on a clean driving record, no at-fault accidents, $100 deductibles, single male driver, and no discounts are applied.

When to drop full coverage

There is no clear-cut rule of when to stop paying for physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s say your Ford F-350 settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after the deductible is paid. If you are currently paying more than $300 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some circumstances where only buying liability is not a good plan. If you still have a loan on your vehicle, you are required to maintain 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 in an accident, you should not remove full coverage.

Discounts can help lower premiums on Ford F-350 insurance in Phoenix

Companies do not list every discount very well, so we break down a few of the more common and also the lesser-known credits available to lower your premiums when you buy Phoenix car insurance online. If you are not receiving all the discounts you deserve, you are paying more than you should be.Car insurance discounts

Consumers should know that most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will lower your car insurance premiums.

The best car insurance companies and a selection of discounts can be found below.

Before purchasing a policy, check with each company or agent how you can save money. Some credits might not apply in every state. To see car insurance companies with significant discounts in Phoenix, follow this link.

You Can Change Your Insurance Costs

When buying car insurance it’s important to understand some of the elements that help determine your policy premiums. When you understand what determines premiums, this enables you to make decisions that will entitle you to cheaper rates.

The following are some of the major factors used by companies to determine rates.

Shop online but buy locally

Some people would rather go talk to an agent and that can be a smart move A good thing about comparing auto insurance online is the fact that drivers can get better rates and also buy local. Buying from and supporting local agencies is definitely important in Phoenix.

Insurance agents in PhoenixTo find an agent, once you fill out this form (opens in new window), your insurance data is transmitted to insurance agents in Phoenix who can give free rate quotes for your coverage. You won’t even need to drive around since price quotes are sent straight to your inbox. You can find the lowest rates AND a local agent. If you have a need to compare rates from one company in particular, feel free to find their quoting web page and complete a quote there.

The following is a short list of auto insurance companies in Phoenix who can help you get price quotes for Ford F-350 insurance in Phoenix.

More Phoenix agents

Deciding on an insurer requires more thought than just the bottom line cost. Any agent in Phoenix should be willing to answer these questions.

After receiving satisfactory answers to your questions as well as offering an affordable quote, you’ve probably found an provider that is reliable enough to service your policy.

Are auto insurance companies telling the truth?

Well-known auto insurance companies like Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. All the companies convey the message that people will save just by switching your coverage to them. How does each company have lower policy pricing? This is the trick they use.

Companies can use profiling for the type of customer that is profitable for them. For example, this type of insured might be described as between 25 and 40, has no tickets, and drives a lower-performance vehicle. Any person who meets those qualifications receives the best prices in Phoenix and therefore will save some money.

Potential customers who do not meet those standards will probably have to pay a more expensive rate which results in the customer not purchasing. The wording the ads use say “customers who switch” not “everybody who quotes” can save as much as they claim. This is how insurance companies can lure you into getting a quote.

Because each company has a different risk profile, drivers should get a wide range of price quotes. It is impossible to predict which insurance companies will have the best prices at this point in time.

You can find cheap coverage

Affordable Ford F-350 insurance in Phoenix can be sourced online in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection. There are still a few companies who don’t offer the ability to get quotes online and these smaller providers prefer to sell through independent insurance agencies.

We just showed you some good ideas how you can lower your Ford F-350 insurance rates in Phoenix. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest rates come from a lesser-known regional company.

Consumers change insurance companies for any number of reasons including not issuing a premium refund, unfair underwriting practices, an unsatisfactory settlement offer or even delays in paying claims. Regardless of your reason, finding the right car insurance provider is less work than it seems.

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