Want to learn how to save money and find more competitive Ford F-350 insurance in San Diego? If you’re shopping for lower-priced insurance online, are you overwhelmed by the crazy number of insurance companies in your area? You have such a vast assortment of companies available that it can turn into more work than you anticipated to find the perfect company for you. Everyone knows that San Diego is a wonderful place to live, but expensive insurance rates makes it difficult to afford proper coverage amounts.
It’s astonishing, but a large majority of drivers in California have purchased from the same company for more than four years, and 38% of customers have never compared rates with other companies. The average driver in the U.S. could save themselves roughly $859 a year by just comparing quotes, but they don’t believe how much money they would save if they switched to a more affordable policy.
It’s a good idea to price shop coverage every six months because insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest price on Ford F-350 insurance in San Diego last year you can probably find a lower rate today. Block out anything you think you know about insurance because you’re about to learn the fastest way to reduce your cost while increasing coverage.
Quoting and comparing rates for the lowest-priced policy in San Diego can be fairly easy. Virtually everyone who is required to buy auto insurance most likely will buy a cheaper policy. Although California drivers do need to learn how the larger insurance companies determine how much to charge and use this information to your advantage.
Best companies for affordable Ford F-350 insurance in California
The companies in the list below offer quotes in California. If several companies are displayed, we recommend you get rates from several of them to find the cheapest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-350 XL Crew Cab 4WD||$286||$502||$682||$40||$204||$1,714||$143|
|F-350 XL Super Cab 4WD||$244||$464||$636||$38||$190||$1,572||$131|
|F-350 XL Super Cab 2WD||$412||$672||$500||$30||$150||$1,764||$147|
|F-350 Super Cab Cabela Package 4WD||$228||$418||$748||$44||$224||$1,662||$139|
|F-350 Super Cab Cabela Package 2WD||$300||$564||$500||$30||$150||$1,544||$129|
|F-350 XL Crew Cab 2WD||$478||$810||$442||$26||$132||$1,888||$157|
|F-350 Crew Cab Harley Edition 4WD||$342||$628||$802||$48||$240||$2,060||$172|
|F-350 Super Cab Harley Edition 4WD||$370||$664||$696||$42||$208||$1,980||$165|
|F-350 Crew Cab King Ranch 4WD||$330||$562||$624||$36||$186||$1,738||$145|
|F-350 XLT Crew Cab 4WD||$260||$490||$802||$48||$240||$1,840||$153|
|F-350 XL Super Cab Turbo Diesel 4WD||$228||$418||$748||$44||$224||$1,662||$139|
|F-350 XLT Super Cab 4WD||$300||$536||$696||$42||$208||$1,782||$149|
|F-350 XLT Super Cab 2WD||$318||$502||$456||$26||$136||$1,438||$120|
|F-350 XL Crew Cab Cabela Package 2WD||$268||$454||$416||$24||$124||$1,286||$107|
|F-350 XL Crew Cab King Ranch 2WD||$388||$672||$596||$36||$178||$1,870||$156|
|F-350 Crew Cab Lariat 4WD||$228||$482||$696||$42||$208||$1,656||$138|
|F-350 Crew Cab King Ranch Turbo Diesel 4WD||$464||$912||$676||$40||$202||$2,294||$191|
|F-350 Crew Cab Cabela Package 4WD||$398||$630||$868||$52||$260||$2,208||$184|
|F-350 XL Crew Cab Turbo Diesel 4WD||$478||$932||$662||$40||$198||$2,310||$193|
|F-350 Super Cab Lariat 4WD||$338||$616||$676||$40||$202||$1,872||$156|
|F-350 Super Cab Cabela Turbo Diesel 4WD||$348||$630||$662||$40||$198||$1,878||$157|
|F-350 XLT Super Cab Turbo Diesel 4WD||$464||$912||$676||$40||$202||$2,294||$191|
|F-350 Super Cab Lariat 2WD||$406||$672||$416||$24||$124||$1,642||$137|
|F-350 XL Super Cab Turbo Diesel 2WD||$252||$418||$464||$28||$138||$1,300||$108|
|F-350 Super Cab Harley Edition 2WD||$512||$792||$450||$26||$134||$1,914||$160|
|F-350 XLT Crew Cab 2WD||$474||$678||$442||$26||$132||$1,752||$146|
|F-350 XLT Crew Cab Lariat 2WD||$384||$546||$442||$26||$132||$1,530||$128|
|F-350 XLT Crew Cab Harley Edition 2WD||$412||$688||$424||$26||$126||$1,676||$140|
|F-350 XL Crew Cab Turbo Diesel 2WD||$480||$744||$456||$26||$136||$1,842||$154|
|F-350 Super Cab Lariat Turbo Diesel 4WD||$474||$780||$662||$40||$198||$2,154||$180|
|F-350 XLT Crew Cab Turbo Diesel 4WD||$350||$580||$682||$40||$204||$1,856||$155|
|F-350 Crew Cab Harley Turbo Diesel 4WD||$378||$724||$802||$48||$240||$2,192||$183|
|F-350 Super Cab Harley Turbo Diesel 4WD||$458||$764||$676||$40||$202||$2,140||$178|
|F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$430||$718||$456||$26||$136||$1,766||$147|
|F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD||$526||$960||$596||$36||$178||$2,296||$191|
|F-350 Super Cab Harley Turbo Diesel 2WD||$252||$506||$500||$30||$150||$1,438||$120|
|F-350 Super Cab Cabela Turbo Diesel 2WD||$364||$648||$416||$24||$124||$1,576||$131|
|F-350 Super Cab XLT Turbo Diesel 2WD||$370||$712||$574||$34||$172||$1,862||$155|
|F-350 Crew Cab Lariat Turbo Diesel 4WD||$528||$932||$662||$40||$198||$2,360||$197|
|F-350 Crew Cab Cabela Turbo Diesel 4WD||$384||$630||$662||$40||$198||$1,914||$160|
|F-350 Crew Cab Lariat Turbo Diesel 2WD||$364||$648||$416||$24||$124||$1,576||$131|
|F-350 Super Cab Lariat Turbo Diesel 2WD||$480||$856||$456||$26||$136||$1,954||$163|
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium costs do not factor in zip code location which can revise rates considerably.
Physical damage deductible comparison
The diagram below shows how different deductible levels and can impact Ford F-350 insurance costs for each age group. The costs are based on a single female driver, full coverage, and no policy discounts are applied.
Auto insurance prices based on gender
The example below illustrates the difference between Ford F-350 car insurance costs for male and female drivers. The premiums assume no claims or driving violations, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Four factors that influence insurance premiums
Many different elements are considered when you get a price on insurance. Some are obvious such as your driving record, but other criteria are less obvious such as whether you are married or your commute time. An important part of buying insurance is that you know a few of the rating criteria that aid in calculating insurance rates. If you have some idea of what influences your rates, this empowers consumers to make smart changes that will entitle you to lower insurance prices.
What type of car do you drive? – The type of car, truck or SUV you are insuring makes a substantial difference in your rates. Due to the fact that the Ford F-350 is considered a pickup truck, rates will be similar in price when compared to the average rates in San Diego. Low performance passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
Better insurance rates for continuous coverage – Letting your insurance expire is a guaranteed way to increase your rates. Not only will you pay more, being ticketed for driving with no insurance might get you a revoked license or a big fine.
Being married brings a discount – Walking down the aisle may save some money on your insurance bill. It generally demonstrates drivers are more mature and responsible and it’s proven that drivers who are married are more cautious.
Raise coverage deductibles and save – Physical damage coverage, aka comp and collision, is used to repair damage to your vehicle. A few examples of covered claims are a broken side mirror, damage from fire, and damage from a fallen tree branch. Physical damage deductibles define how much you are willing to pay before your insurance pays a claim. The more you have to pay, the bigger discount you will receive.
Claims statistics for a Ford F-350 – Car insurance companies analyze historical claim data as a way to help calculate a profitable premium price. Vehicles that the data determines to have higher number or severity of losses will be charged more to insure.
The table below shows the loss history for Ford F-350 vehicles. For each policy coverage type, the loss probability for all vehicles compiled together is represented as 100. Values that are below 100 mean the vehicle has better than average losses, while values over 100 indicate a higher chance of having a claim or an increased probability of a larger loss.
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
Ford F-350 insurance discounts in San Diego
Car insurance companies don’t always advertise all possible discounts very well, so we researched both well-publicized in addition to some of the lesser obvious credits that may apply to you. If you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.
- Savings for New Vehicles – Adding a new car to your policy is cheaper because newer models keep occupants safer.
- Discounts for Government Workers – Federal government employees could cut as much as 10% off with a few car insurance companies.
- 55 and Retired – Seniors are able to get better car insurance rates.
- More Vehicles More Savings – Insuring several vehicles with the same company may reduce the rate for each vehicle.
- Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% than drivers with accident claims.
- Early Renewal Discounts – Some car insurance companies reward drivers for switching policies prior to the expiration date on your current F-350 insurance policy. The savings is around 10%.
- Student Discount for Driver Training – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
- Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
- E-sign – Many car insurance companies may give you up to $50 for buying your policy over the internet.
- Good Student Discount – This discount can save 20 to 25%. The discount lasts well after school through age 25.
It’s important to note that most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, nobody gets a free ride.
Popular car insurance companies and the discounts they provide are shown below.
- State Farm offers discounts including multiple policy, good student, good driver, Drive Safe & Save, safe vehicle, and anti-theft.
- GEICO offers discounts for driver training, air bags, federal employee, multi-vehicle, and multi-policy.
- Progressive may have discounts that include homeowner, continuous coverage, multi-vehicle, online quote discount, online signing, and multi-policy.
- 21st Century policyholders can earn discounts including 55 and older, driver training, defensive driver, homeowners, teen driver, and anti-lock brakes.
- American Family may offer discounts for multi-vehicle, accident-free, good driver, good student, and air bags.
- The Hartford offers premium reductions for driver training, vehicle fuel type, defensive driver, bundle, anti-theft, and air bag.
- AAA has discounts for good driver, multi-car, good student, multi-policy, and pay-in-full.
Double check with every prospective company to apply every possible discount. A few discounts might not apply everywhere. To choose insurers who offer car insurance discounts in California, click this link.
Insurance agents near you
A small number of people prefer to sit down with an agent and doing that can be a smart decision One of the great benefits of getting online price quotes is the fact that you can find better rates and still choose a local agent. And supporting neighborhood insurance agencies is important particularly in San Diego.
After filling out this form (opens in new window), your insurance data gets sent to local insurance agents who will give competitive quotes to get your business. It simplifies rate comparisons since you won’t have to drive around since price quotes are sent straight to your inbox. You can find lower rates without the usual hassles of price shopping. If you have a need to compare prices from a specific company, don’t hesitate to navigate to their website to submit a rate quote request.
Listed below is a short list of insurers in San Diego that may be willing to give comparison quotes for Ford F-350 insurance in San Diego.
- Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map
- Fred Shadlow – State Farm Insurance Agent
7332 Casper Dr – San Diego, CA 92119 – (619) 464-4261 – View Map
- ARROWHEAD General Insurance Agency, Inc.
701 B St #2100 – San Diego, CA 92101 – (619) 744-5000 – View Map
- Val Myers – State Farm Insurance Agent
12925 El Camino Real, Ste J26 – San Diego, CA 92130 – (858) 481-0401 – View Map
Finding the right provider should include more criteria than just the premium amount. These are some questions you should get answers to.
- Will they take your side in the event of a claim?
- How often do they review policy coverages?
- Are they involved in claim handling?
- Is working in the agency their full-time job?
- Will your rates increase after a single accident?
Upon getting positive responses to any questions you may have and an affordable coverage quote, you may have just found an insurer that is reliable enough to properly insure your vehicles. It’s important to know that it’s your coverage and you can terminate coverage at any time so never assume you’re contractually obligated to any specific company for the entire policy term.
Switch companies and save? Really?
Car insurance providers like Allstate and Progressive consistently run ads in print and on television. All the companies seem to make the promise that people will save if you move your coverage. Is it even possible that every company can offer you a better deal on Ford F-350 insurance in San Diego? It’s all in the numbers.
All the different companies look for specific characteristics for the type of insured that earns them the most money. For example, a driver they prefer may need to be between the ages of 30 and 50, has no driving citations, and has excellent credit. Any person who meets those qualifications will get low auto insurance rates and will also save when switching.
Consumers who are not a match for the “perfect” profile will probably have to pay more expensive rates and this results in business not being written. If you pay attention, the ads say “people who switch” not “everybody who quotes” save that much. That is how companies can truthfully claim big savings.
Different companies use different criteria so drivers must compare quotes as often as possible. Because without a comparison, you cannot know which car insurance company will have the lowest Ford F-350 insurance in San Diego.
When to get professional advice
Always remember that when buying proper insurance coverage, there is no one-size-fits-all type of policy. Your needs are unique to you and your auto insurance should be unique as well.
For example, these questions can aid in determining whether you would benefit from an agent’s advice.
- Are my custom wheels covered?
- Is pleasure use cheaper than using my Ford F-350 to commute?
- Should I rate my vehicle as business use?
- Does my insurance cover my expensive audio equipment?
- How much coverage applies to personal belongings?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.
Find affordable rates by being thorough
We just covered many ideas to lower your Ford F-350 insurance prices in San Diego. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from some of the lesser-known companies. These smaller insurers often have lower rates on specific markets than their larger competitors like Allstate or State Farm.
As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced collision coverage only to regret that it was a big error on their part. Your goal should be to buy enough coverage for the lowest price and still be able to protect your assets.
Even more information is available in these articles:
- Rental Reimbursement Coverage (Allstate)
- Who Has Cheap Auto Insurance Rates for Low Income Drivers in San Diego? (FAQ)
- Who Has Cheap Car Insurance Rates for a Subaru Outback in San Diego? (FAQ)
- Who Has Affordable San Diego Car Insurance Quotes for Retired Military? (FAQ)
- State Car Insurance Guides (GEICO)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Smart Auto Insurance Tips (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)