Scraping up a payment for expensive Ford F-350 insurance in Seattle can stress out your family’s budget and possibly require postponing other expenditures. Comparing cost estimates is a great way to slash your bill and have more diposable income.
A recent insurance study revealed that over 70% of consumers have remained with the same insurance company for at least four years, and 38% of drivers have never quoted insurance rates at all. American insurance shoppers could save nearly $860 a year by just comparing rate quotes, but they don’t believe how much they could save if they changed companies.
You have multiple auto insurance companies to choose from, and though it is a good thing to have a selection, lots of choices makes it harder to compare rates for Ford F-350 insurance in Seattle.
Consumers should take time to check insurance prices every six months because insurance rates are adjusted regularly by insurance companies. Just because you found the lowest premium rates on Ford F-350 insurance in Seattle a couple years back the chances are good that you can find a lower price today. Block out anything you think you know about insurance because you’re going to learn one of the easiest ways to save on insurance.
What Impacts Ford F-350 Insurance Prices?
Many things are part of the equation when pricing auto insurance. Some of the criteria are obvious like your driving record, but some are not as apparent such as your marital status or how financially stable you are.
Shown below are a few of the “ingredients” used by companies to determine your premiums.
Is you job costing you more? – Jobs like judges, business owners and accountants have the highest rates attributed to high stress levels and incredibly demanding work hours. Conversely, jobs like actors, historians and performers get better rates.
Always keep your coverage in force – Having a gap between insurance policy dates is a guaranteed way to increase your renewal premiums. In addition to paying higher rates, being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.
Improve your credit score – Your credit history is likely to be a major factor in determining what you pay. Drivers who have very good credit scores tend to be more responsible than drivers with lower credit scores. So if your credit history leaves room for improvement, you could save money insuring your Ford F-350 if you improve your credit rating.
Your location is important – Choosing to live in less populated areas of the country can save you money when talking about car insurance. Urban drivers regularly have more traffic problems and longer commute times. Fewer drivers on the road translates into fewer accident claims.
Ford F-350 insurance claim data – Insurers use data from past claims to calculate a rate that offsets possible losses. Vehicles that the data shows to have higher loss trends will cost more for coverage. The next table shows the insurance loss data used by companies for Ford F-350 vehicles.
For each policy coverage, the claim amount for all vehicles as a whole equals 100. Values that are 100 or less suggest a better than average loss history, while numbers shown that are more than 100 indicate more frequent claims or tendency to have higher losses.
Ford F-350 Insurance Claim Statistics
|Specific Ford 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
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
The quickest way to get policy rate comparisons for Ford F-350 insurance in Seattle is to know the fact most insurance companies provide online access to compare rate quotes. The only thing you need to do is give them rating details like how old drivers are, whether your vehicle is owned or leased, your job, and your general credit rating. The rating information gets sent immediately to multiple companies and you will receive price estimates instantly to find the best rate.
To compare multiple company lower-cost Ford F-350 insurance rates now, click here and see if a lower rate is available in Seattle.
The companies shown below are our best choices to provide quotes in Seattle, WA. If several companies are displayed, we recommend you visit as many as you can in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$136||$294||$500||$30||$150||$1,110||$93|
|F-350 XL Super Cab 4WD||$136||$294||$500||$30||$150||$1,110||$93|
|F-350 XL Super Cab 2WD||$228||$356||$356||$22||$106||$1,068||$89|
|F-350 Super Cab Cabela Package 4WD||$172||$278||$452||$26||$136||$1,064||$89|
|F-350 Super Cab Cabela Package 2WD||$202||$284||$386||$22||$116||$1,010||$84|
|F-350 XL Crew Cab 2WD||$202||$284||$386||$22||$116||$1,010||$84|
|F-350 Crew Cab Harley Edition 4WD||$290||$496||$456||$26||$136||$1,404||$117|
|F-350 Super Cab Harley Edition 4WD||$312||$620||$536||$32||$160||$1,660||$138|
|F-350 Crew Cab King Ranch 4WD||$196||$350||$596||$36||$178||$1,356||$113|
|F-350 XLT Crew Cab 4WD||$200||$358||$464||$28||$138||$1,188||$99|
|F-350 XL Super Cab Turbo Diesel 4WD||$278||$444||$452||$26||$136||$1,336||$111|
|F-350 XLT Super Cab 4WD||$172||$278||$452||$26||$136||$1,064||$89|
|F-350 XLT Super Cab 2WD||$224||$384||$282||$16||$84||$990||$83|
|F-350 XL Crew Cab Cabela Package 2WD||$174||$328||$356||$22||$106||$986||$82|
|F-350 XL Crew Cab King Ranch 2WD||$364||$540||$386||$22||$116||$1,428||$119|
|F-350 Crew Cab Lariat 4WD||$274||$610||$500||$30||$150||$1,564||$130|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$174||$376||$536||$32||$160||$1,278||$107|
|F-350 Crew Cab Cabela Package 4WD||$274||$640||$500||$30||$150||$1,594||$133|
|F-350 XL Crew Cab Turbo Diesel 4WD||$286||$520||$442||$26||$132||$1,406||$117|
|F-350 Super Cab Lariat 4WD||$318||$622||$442||$26||$132||$1,540||$128|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$274||$610||$464||$28||$138||$1,514||$126|
|F-350 XLT Super Cab Turbo Diesel 4WD||$286||$520||$442||$26||$132||$1,406||$117|
|F-350 Super Cab Lariat 2WD||$168||$294||$334||$20||$100||$916||$76|
|F-350 XL Super Cab Turbo Diesel 2WD||$400||$540||$386||$22||$116||$1,464||$122|
|F-350 Super Cab Harley Edition 2WD||$270||$448||$278||$16||$82||$1,094||$91|
|F-350 XLT Crew Cab 2WD||$274||$458||$282||$16||$84||$1,114||$93|
|F-350 XLT Crew Cab Lariat 2WD||$234||$336||$304||$18||$90||$982||$82|
|F-350 XLT Crew Cab Harley Edition 2WD||$302||$556||$334||$20||$100||$1,312||$109|
|F-350 XL Crew Cab Turbo Diesel 2WD||$272||$444||$310||$18||$92||$1,136||$95|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$302||$610||$464||$28||$138||$1,542||$129|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$256||$420||$442||$26||$132||$1,276||$106|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$188||$370||$574||$34||$172||$1,338||$112|
|F-350 Super Cab Harley Turbo Diesel 4WD||$272||$510||$500||$30||$150||$1,462||$122|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$244||$432||$278||$16||$82||$1,052||$88|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$272||$510||$310||$18||$92||$1,202||$100|
|F-350 Super Cab Harley Turbo Diesel 2WD||$198||$348||$278||$16||$82||$922||$77|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$168||$320||$310||$18||$92||$908||$76|
|F-350 Super Cab XLT Turbo Diesel 2WD||$168||$320||$310||$18||$92||$908||$76|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$302||$610||$464||$28||$138||$1,542||$129|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$178||$302||$456||$26||$136||$1,098||$92|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$400||$622||$386||$22||$116||$1,546||$129|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$344||$714||$356||$22||$106||$1,542||$129|
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific Seattle garaging location which can alter insurance rates significantly.
Do drivers who switch really save $457 a year?
Popular auto insurance providers such as Progressive, GEICO, Allstate and State Farm consistently run ads on television and other media. All the companies advertise the message of big savings if you just switch your coverage. How is it plausible that every one can cost less than your current company? It’s all in the wording.
Different companies require specific criteria for the driver that earns them the most money. A good example of a profitable risk profile might be described as over the age of 35, has no tickets, and drives a lower-performance vehicle. Any new insured who matches that profile receives the best car insurance rates in Seattle and have a good chance to save money with a new company.
People who do not fit these criteria may receive higher prices and business going elsewhere. If you listen closely, the ads state “people that switch” not “everybody who quotes” save that much when switching. That is how companies can truthfully claim big savings. This really drives home the point why you absolutely need to quote coverage with many companies. It’s just not possible to know which insurance companies will provide the lowest Ford F-350 insurance in Seattle.
Best reasons to buy insurance in Washington
Despite the high insurance cost for a Ford F-350 in Seattle, maintaining insurance serves an important purpose.
- Most states have mandatory insurance requirements which means state laws require a specific minimum amount of liability coverage in order to drive the car. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your vehicle has a loan, almost every bank will make it a condition of the loan that you have comprehensive coverage to ensure they get paid if you total the vehicle. If the policy lapses, the lender may insure your Ford at a much higher premium rate and require you to pay for it.
- Insurance preserves both your assets and your car. It will also provide coverage for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your Ford gets damaged, your insurance policy will cover the repair costs.
The benefits of carrying adequate insurance more than cancel out the cost, especially for larger claims. The average driver in Washington is overpaying more than $830 a year so you should quote your policy with other companies at least once a year to save money.
Car insurance policy discounts you can’t miss
Companies don’t always advertise the entire discount list in a way that’s easy to find, so the following is a list of a few of the more common and also the more inconspicuous discounts you could be receiving when you buy Seattle car insurance online. If you’re not getting every credit you qualify for, you could be paying more than you need to.
- First Accident Forgiveness – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident without getting socked with a rate hike so long as you haven’t had any claims for a particular time prior to the accident.
- Onboard Data Collection – Seattle drivers who agree to allow their company to study vehicle usage by installing a telematics device such as State Farm’s In-Drive could save a few bucks if they are good drivers.
- Discount for Life Insurance – Companies who offer life insurance give a discounted car insurance rate on car insurance if you buy a life policy as well.
- Lower Rates for Military – Being deployed with a military unit could mean lower premium rates.
- Anti-lock Brake Discount – Cars with ABS braking systems or traction control can avoid accidents and therefore earn up to a 10% discount.
A little disclaimer on discounts, many deductions do not apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. Despite the appearance that you can get free auto insurance, nobody gets a free ride.
Popular car insurance companies and some of their more popular discounts are:
- State Farm has savings for passive restraint, good student, driver’s education, safe vehicle, accident-free, multiple policy, and Steer Clear safe driver discount.
- GEICO includes discounts for multi-vehicle, five-year accident-free, driver training, good student, and defensive driver.
- Liberty Mutual may have discounts that include hybrid vehicle, preferred payment discount, exclusive group savings, multi-car, new graduate, and good student.
- The Hartford offers premium reductions for air bag, bundle, driver training, defensive driver, anti-theft, and vehicle fuel type.
- MetLife discounts include accident-free, claim-free, multi-policy, defensive driver, good student, and good driver.
- Progressive policyholders can earn discounts including homeowner, multi-policy, multi-vehicle, online signing, and online quote discount.
Double check with every prospective company which discounts they offer. Some of the earlier mentioned discounts might not be available to policyholders in Seattle. If you would like to see a list of companies who offer discounts in Seattle, follow this link.
Insurance agents near you
Many drivers would prefer to talk to a local agent and there is nothing wrong with that. One of the great benefits of comparing insurance prices online is that you can find cheaper car insurance rates and still choose a local agent.
By using this short form, your coverage information is submitted to local insurance agents in Seattle who will give competitive quotes for your business. You don’t have to find an agent on your own because quoted prices will be sent to your email. You can find better rates AND a local agent. If you have a need to get a rate quote from a specific company, feel free to search and find their rate quote page and submit a quote form there.
Finding the right provider should depend on more than just a low price. Before buying a policy in Seattle, get answers to these questions.
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Are they able to provide referrals?
- Can you contact them at any time?
- Where would your vehicle be repaired?
- How would your car be valued if totalled?
Different types of auto insurance agents in Seattle
When researching a local insurance agency, it’s helpful to know the different types of agencies and how they differ in how they quote coverages. Auto insurance agencies are considered either exclusive or independent (non-exclusive).
Exclusive insurance agents normally can only provide a single company’s rates and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to provide other company’s prices so keep that in mind. Exclusive agents are trained well on their company’s products which helps offset the inability to provide other markets.
Below are exclusive insurance agents in Seattle who can help you get price quotes.
Independent Auto Insurance Agencies
Agents that elect to be independent can sell policies from many different companies so they can insure your vehicles with many different companies and find the cheapest auto insurance rates. If you are not satisfied with one company, they simply switch companies in-house and you don’t have to find a new agent. When comparing rate quotes, you absolutely need to get rate quotes from a few independent agents so that you have a good selection of quotes to compare.
Shown below are Seattle independent agents who can help you get rate quotes.
Smart shoppers get results
Affordable Ford F-350 insurance in Seattle can be found from both online companies and with local Seattle insurance agents, so you need to shop Seattle car insurance with both in order to have the best price selection to choose from. A few companies may not provide price quotes online and usually these small, regional companies only sell coverage through independent agents.
You just read some good ideas how to save on Ford F-350 insurance in Seattle. It’s most important to understand that the more times you quote, the better likelihood of getting affordable Seattle car insurance quotes. Drivers may even discover the most savings is with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.
For more information, feel free to browse the resources below:
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for a Ford Escape in Seattle? (FAQ)
- Who Has Cheap Car Insurance for a GMC Sierra in Seattle? (FAQ)
- How Much is Seattle Auto Insurance for Drivers Over Age 70? (FAQ)
- What Insurance is Cheapest for a Chevrolet Equinox in Seattle? (FAQ)
- All About Airbag Safety (State Farm)
- What Does No-Fault Insurance Cover? (Allstate)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)