Best Ford F-350 Insurance in Boston

Insurance quote for Ford F-350 in BostonIt takes a few minutes, but the best way to find low-cost prices for auto insurance rates in Boston is to begin comparing prices regularly from insurers in Massachusetts.

One thing to remember is to make sure you enter similar limits and deductibles on each quote and and to analyze as many carriers as you can. Doing this ensures a fair price comparison and the best rate selection.

It’s an obvious assumption that auto insurance companies don’t want you shop around. Insureds who shop around for cheaper prices will presumably buy a new policy because they have a good chance of finding a lower-priced policy. A recent survey discovered that drivers who routinely shopped for cheaper coverage saved approximately $865 a year as compared to drivers who never compared other company’s rates.

If finding discount rates on auto insurance in Boston is your objective, understanding how to quote and compare insurance coverage can help simplify the process.

Keep in mind that comparing more prices will enable you to find better pricing.

The companies shown below offer free quotes in Massachusetts. To locate the best cheap auto insurance in Massachusetts, it’s a good idea that you visit two to three different companies to get the best price comparison.

Insurance rate breakdown

The price information displayed below highlights a range of coverage costs for Ford F-350 models. Learning how auto insurance premiums are figured can be useful when making informed decisions when comparing rate quotes.

Ford F-350 Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $200 $396 $676 $40 $202 $1,514 $126
F-350 XL Super Cab 4WD $200 $396 $676 $40 $202 $1,514 $126
F-350 XL Super Cab 2WD $222 $336 $452 $26 $136 $1,172 $98
F-350 Super Cab Cabela Package 4WD $222 $396 $676 $40 $202 $1,536 $128
F-350 Super Cab Cabela Package 2WD $222 $396 $452 $26 $136 $1,232 $103
F-350 XL Crew Cab 2WD $222 $396 $452 $26 $136 $1,232 $103
F-350 Crew Cab Harley Edition 4WD $222 $396 $676 $40 $202 $1,536 $128
F-350 Super Cab Harley Edition 4WD $222 $396 $676 $40 $202 $1,536 $128
F-350 Crew Cab King Ranch 4WD $222 $396 $676 $40 $202 $1,536 $128
F-350 XLT Crew Cab 4WD $222 $396 $676 $40 $202 $1,536 $128
F-350 XL Super Cab Turbo Diesel 4WD $222 $396 $676 $40 $202 $1,536 $128
F-350 XLT Super Cab 4WD $222 $396 $676 $40 $202 $1,536 $128
F-350 XLT Super Cab 2WD $222 $396 $452 $26 $136 $1,232 $103
F-350 XL Crew Cab Cabela Package 2WD $222 $396 $452 $26 $136 $1,232 $103
F-350 XL Crew Cab King Ranch 2WD $222 $396 $452 $26 $136 $1,232 $103
F-350 Crew Cab Lariat 4WD $222 $456 $676 $40 $202 $1,596 $133
F-350 Crew Cab King Ranch Turbo Diesel 4WD $222 $456 $676 $40 $202 $1,596 $133
F-350 Crew Cab Cabela Package 4WD $222 $456 $676 $40 $202 $1,596 $133
F-350 XL Crew Cab Turbo Diesel 4WD $222 $456 $676 $40 $202 $1,596 $133
F-350 Super Cab Lariat 4WD $222 $456 $676 $40 $202 $1,596 $133
F-350 Super Cab Cabela Turbo Diesel 4WD $222 $456 $676 $40 $202 $1,596 $133
F-350 XLT Super Cab Turbo Diesel 4WD $222 $456 $676 $40 $202 $1,596 $133
F-350 Super Cab Lariat 2WD $246 $396 $452 $26 $136 $1,256 $105
F-350 XL Super Cab Turbo Diesel 2WD $246 $396 $452 $26 $136 $1,256 $105
F-350 Super Cab Harley Edition 2WD $246 $396 $452 $26 $136 $1,256 $105
F-350 XLT Crew Cab 2WD $246 $396 $452 $26 $136 $1,256 $105
F-350 XLT Crew Cab Lariat 2WD $246 $396 $452 $26 $136 $1,256 $105
F-350 XLT Crew Cab Harley Edition 2WD $246 $396 $452 $26 $136 $1,256 $105
F-350 XL Crew Cab Turbo Diesel 2WD $246 $396 $452 $26 $136 $1,256 $105
F-350 Super Cab Lariat Turbo Diesel 4WD $246 $456 $676 $40 $202 $1,620 $135
F-350 XLT Crew Cab Turbo Diesel 4WD $246 $456 $676 $40 $202 $1,620 $135
F-350 Crew Cab Harley Turbo Diesel 4WD $246 $456 $676 $40 $202 $1,620 $135
F-350 Super Cab Harley Turbo Diesel 4WD $246 $456 $676 $40 $202 $1,620 $135
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $246 $456 $452 $26 $136 $1,316 $110
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $246 $456 $452 $26 $136 $1,316 $110
F-350 Super Cab Harley Turbo Diesel 2WD $246 $456 $452 $26 $136 $1,316 $110
F-350 Super Cab Cabela Turbo Diesel 2WD $246 $456 $452 $26 $136 $1,316 $110
F-350 Super Cab XLT Turbo Diesel 2WD $246 $456 $452 $26 $136 $1,316 $110
F-350 Crew Cab Lariat Turbo Diesel 4WD $246 $456 $676 $40 $202 $1,620 $135
F-350 Crew Cab Cabela Turbo Diesel 4WD $246 $456 $676 $40 $202 $1,620 $135
F-350 Crew Cab Lariat Turbo Diesel 2WD $246 $456 $452 $26 $136 $1,316 $110
F-350 Super Cab Lariat Turbo Diesel 2WD $246 $456 $452 $26 $136 $1,316 $110
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price information does not factor in specific location which can raise or lower coverage prices significantly.

The illustration below shows how different deductible levels and can affect Ford F-350 insurance premiums for different age categories. The premium estimates are based on a married female driver, comp and collision included, and no discounts are applied.

Accidents and violations increase rates

The illustration below illustrates how speeding tickets and at-fault claims can influence Ford F-350 insurance prices for each age group. The prices are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

Choices You Make Can Impact Your Insurance Premiums

Part of the auto insurance buying process is learning some of the things that go into determining your auto insurance rates. If you know what influences your rates, this empowers consumers to make smart changes that will entitle you to cheaper rates. Many different elements are considered when you get a price on insurance. A few of the factors are predictable like your driving record, but others are not as apparent such as your credit history or how financially stable you are.

Why do you need liability protection? – Your policy’s liability coverage will protect you when you are found liable for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.

Single vs. married – Walking down the aisle may cut your premiums on your auto insurance bill. It may mean you are more mature than a single person and statistics show married drivers tend to file fewer claims.

Theft deterrents lower premiums – Choosing to buy a car with advanced anti-theft systems can earn a premium discount. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft.

Qualify for multi-policy discounts – Most auto insurance companies give discounts for people who consolidate policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount it’s always a smart idea to compare other company rates to verify if the discount is saving money.

Your address can impact rates – Having an address in a small town may provide you with better prices when trying to find low car insurance rates. Fewer drivers on the road translates into fewer accident claims in addition to lower liability claims. Residents of big cities have to deal with congested traffic and a longer drive to work. Spending more time driving means higher likelihood of an accident.

Stay claim-free and save money – If you’re an insured who likes to file claims you should expect either policy cancellation or increased premiums. Companies in Massachusetts generally give the lowest premiums to insureds who are claim-free. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.

Women pay lower rates – Over the last 30 years, statistics show that women are safer drivers than men. The data does not necessarily mean that women are BETTER drivers than men. Both genders cause at-fault accidents at a similar rate, but the males cause more damage. Men also statistically receive more major tickets like reckless driving and DUI.

The example below illustrates the difference between Ford F-350 car insurance costs for male and female drivers. The data is based on no accidents, no driving violations, comp and collision included, $100 deductibles, drivers are not married, and no discounts are applied.

High physical damage deductibles lower rates – Deductibles for physical damage are how much you are willing to pay if the claim is covered. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of some claims that would be covered are rear-ending another vehicle, fire damage, or theft of your vehicle. The higher the amount the insured is willing to pay, the less your company will charge you for insurance.

Insurance losses for a Ford F-350 – Car insurance companies analyze historical claim data when determining insurance rates. Models that the statistics show to have higher frequency or amount of claims will have a higher cost to insure.

The table below shows the historical loss data for Ford F-350 vehicles. For each coverage category, the loss probability for all vehicles, as an average, is represented as 100. Percentages below 100 suggest a better than average loss history, while numbers above 100 point to more losses or an increased likelihood of larger 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

Car insurance just makes sense

Despite the potentially high cost of Ford F-350 insurance, buying car insurance serves several important purposes.

First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage in order to drive the car legally. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your vehicle has a lienholder, it’s most likely the lender will require you to have insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Ford at a significantly higher premium and force you to reimburse them much more than you were paying before.

Third, car insurance preserves not only your Ford F-350 but also your financial assets. It will also reimburse you for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance also covers legal expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your policy will pay to repair the damage.

The benefits of insuring your F-350 are without a doubt worth the cost, especially if you ever need it. As of last year, the average driver in Massachusetts overpays as much as $850 per year so you should quote your policy with other companies each time the policy renews to make sure the price is not too high.

Boston auto insurance company ratings

Picking the right insurance company can be a challenge considering how many different companies sell coverage in Boston. The company information shown below may help you analyze which auto insurance companies you want to consider when comparing rates.

Top 10 Boston Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. State Farm
  5. GEICO
  6. Titan Insurance
  7. Nationwide
  8. Allstate
  9. The General
  10. 21st Century

Top 10 Boston Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. GEICO – A++
  3. Travelers – A++
  4. State Farm – A++
  5. Allstate – A+
  6. Nationwide – A+
  7. Esurance – A+
  8. Progressive – A+
  9. The Hartford – A+
  10. Mercury Insurance – A+