Best Ways to Save on Charlotte Ford F-350 Insurance

Insurance rates Ford F-350 in CharlottePaying for overpriced Ford F-350 insurance in Charlotte can sap your savings account and force you to make tough financial choices.

Unfortunately, over 70% of North Carolina drivers have stayed with the same insurance company for more than four years, and approximately 40% of consumers have never shopped around. American consumers could save an average of almost $850 each year, but most just don’t grasp the large savings they would see if they just switched companies.

Steps to finding the cheapest rates for Ford F-350 insurance in Charlotte

The recommended way to get low-cost car insurance rates in Charlotte is to do a yearly price comparison from insurers who provide car insurance in North Carolina.

  1. Get an understanding of policy coverages and the factors you can control to keep rates down. Many rating criteria that are responsible for high rates such as at-fault accidents and a less-than-favorable credit score can be eliminated by making minor driving habit or lifestyle changes. Continue reading for ideas to help reduce prices and get additional discounts.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or State Farm, while agents who are independent can quote rates from many different companies.
  3. Compare the new rates to your existing policy to see if a cheaper price is available. If you find a better price, make sure there is no coverage gap between policies.
  4. Provide adequate notice to your current company of your decision to cancel your current car insurance policy and submit the required down payment along with the signed application to your new company or agent. As soon as coverage is bound, keep the new proof of insurance paperwork in an accessible location in your vehicle.

One bit of advice is to try to use similar deductibles and liability limits on every quote request and and to look at as many different companies as possible. This enables the most accurate price comparison and a complete rate analysis.

With so many companies and agents to choose from, it’s nearly impossible to pick a more affordable insurance provider.

You should make it a habit to check insurance prices periodically because rates change frequently. Even if you think you had the lowest rate on Ford F-350 insurance in Charlotte two years ago a different company probably has better prices today. You can find a lot of misleading information regarding F-350 insurance out there, but by reading this article, you’re going to learn some excellent ideas to put money back in your pocket.

Our objective is to tell you how to effectively get price quotes and some tips to save money. If you are already insured, you will surely be able to buy cheaper insurance using the following tips. Although North Carolina vehicle owners must know how the larger insurance companies price insurance differently and take advantage of how the system works.

To find cheaper rates, there are a couple of ways to compare quotes from auto insurance companies in your area. The fastest way to do a complete rate comparison is to jump online and get quotes.

It’s so simple to compare auto insurance quotes online makes it obsolete to go to insurance agencies in your area. Quoting Ford F-350 insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the peace of mind that you can only get from talking to an agent. If you prefer, some companies allow you to comparison shop online but have your policy serviced through an agent. It’s important to know that more quotes helps you find a lower rate. Not every company does online Charlotte F-350 insurance quotes, so you need to compare rates from them, too.

The companies shown below can provide comparison quotes in North Carolina. If your goal is to find cheap car insurance in NC, we recommend you visit as many as you can in order to find the most competitive rates.

These discounts can lower your insurance rates

Insurance is not an enjoyable expense, but you may qualify for discounts to help bring down the price. Most are applied at quote time, but some need to be manually applied in order for you to get them.Save money with discounts

Don’t be shocked that many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

The illustration below illustrates the comparison of Ford F-350 annual premium costs with and without discounts applied. The data is based on a female driver, a clean driving record, no at-fault accidents, North Carolina state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, claim-free, marriage, and safe-driver discounts applied.

A list of companies and a partial list of their discounts are outlined below.

If you need affordable Charlotte auto insurance quotes, ask all companies you are considering how many discounts you can get. Some of the earlier mentioned discounts may not apply to policyholders in Charlotte. To view insurance companies offering insurance discounts in Charlotte, click here to view.

Coverage analysis

The premium table shown below covers a range of insurance costs for Ford F-350 models. Having a good grasp of how auto insurance premiums are determined can benefit drivers when making smart choices when buying a policy.


Ford F-350 Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $172 $302 $380 $22 $114 $990 $83
F-350 XL Super Cab 4WD $172 $302 $380 $22 $114 $990 $83
F-350 XL Super Cab 2WD $190 $256 $254 $16 $76 $792 $66
F-350 Super Cab Cabela Package 4WD $190 $302 $380 $22 $114 $1,008 $84
F-350 Super Cab Cabela Package 2WD $190 $302 $254 $16 $76 $838 $70
F-350 XL Crew Cab 2WD $190 $302 $254 $16 $76 $838 $70
F-350 Crew Cab Harley Edition 4WD $190 $302 $380 $22 $114 $1,008 $84
F-350 Super Cab Harley Edition 4WD $190 $302 $380 $22 $114 $1,008 $84
F-350 Crew Cab King Ranch 4WD $190 $302 $380 $22 $114 $1,008 $84
F-350 XLT Crew Cab 4WD $190 $302 $380 $22 $114 $1,008 $84
F-350 XL Super Cab Turbo Diesel 4WD $190 $302 $380 $22 $114 $1,008 $84
F-350 XLT Super Cab 4WD $190 $302 $380 $22 $114 $1,008 $84
F-350 XLT Super Cab 2WD $190 $302 $254 $16 $76 $838 $70
F-350 XL Crew Cab Cabela Package 2WD $190 $302 $254 $16 $76 $838 $70
F-350 XL Crew Cab King Ranch 2WD $190 $302 $254 $16 $76 $838 $70
F-350 Crew Cab Lariat 4WD $190 $348 $380 $22 $114 $1,054 $88
F-350 Crew Cab King Ranch Turbo Diesel 4WD $190 $348 $380 $22 $114 $1,054 $88
F-350 Crew Cab Cabela Package 4WD $190 $348 $380 $22 $114 $1,054 $88
F-350 XL Crew Cab Turbo Diesel 4WD $190 $348 $380 $22 $114 $1,054 $88
F-350 Super Cab Lariat 4WD $190 $348 $380 $22 $114 $1,054 $88
F-350 Super Cab Cabela Turbo Diesel 4WD $190 $348 $380 $22 $114 $1,054 $88
F-350 XLT Super Cab Turbo Diesel 4WD $190 $348 $380 $22 $114 $1,054 $88
F-350 Super Cab Lariat 2WD $210 $302 $254 $16 $76 $858 $72
F-350 XL Super Cab Turbo Diesel 2WD $210 $302 $254 $16 $76 $858 $72
F-350 Super Cab Harley Edition 2WD $210 $302 $254 $16 $76 $858 $72
F-350 XLT Crew Cab 2WD $210 $302 $254 $16 $76 $858 $72
F-350 XLT Crew Cab Lariat 2WD $210 $302 $254 $16 $76 $858 $72
F-350 XLT Crew Cab Harley Edition 2WD $210 $302 $254 $16 $76 $858 $72
F-350 XL Crew Cab Turbo Diesel 2WD $210 $302 $254 $16 $76 $858 $72
F-350 Super Cab Lariat Turbo Diesel 4WD $210 $348 $380 $22 $114 $1,074 $90
F-350 XLT Crew Cab Turbo Diesel 4WD $210 $348 $380 $22 $114 $1,074 $90
F-350 Crew Cab Harley Turbo Diesel 4WD $210 $348 $380 $22 $114 $1,074 $90
F-350 Super Cab Harley Turbo Diesel 4WD $210 $348 $380 $22 $114 $1,074 $90
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $210 $348 $254 $16 $76 $904 $75
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $210 $348 $254 $16 $76 $904 $75
F-350 Super Cab Harley Turbo Diesel 2WD $210 $348 $254 $16 $76 $904 $75
F-350 Super Cab Cabela Turbo Diesel 2WD $210 $348 $254 $16 $76 $904 $75
F-350 Super Cab XLT Turbo Diesel 2WD $210 $348 $254 $16 $76 $904 $75
F-350 Crew Cab Lariat Turbo Diesel 4WD $210 $348 $380 $22 $114 $1,074 $90
F-350 Crew Cab Cabela Turbo Diesel 4WD $210 $348 $380 $22 $114 $1,074 $90
F-350 Crew Cab Lariat Turbo Diesel 2WD $210 $348 $254 $16 $76 $904 $75
F-350 Super Cab Lariat Turbo Diesel 2WD $210 $348 $254 $16 $76 $904 $75
Get Your Own Custom Quote Go

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in specific zip code location which can increase or decrease rates greatly.

Driving violations and accidents

The chart below highlights how speeding tickets and at-fault collisions drive up Ford F-350 yearly insurance costs for different age categories. The premiums assume a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Cost comparison with and without full coverage

The chart below compares Ford F-350 insurance prices with liability coverage only compared to full coverage. The premiums are based on no claims, a clean driving record, $500 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop buying full coverage

There isn’t a steadfast formula to delete physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Ford F-350 replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If it’s costing you more than $200 a year to have full coverage, then you may want to consider only buying liability coverage.

There are some cases where dropping full coverage is not advised. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Good Decisions Result in Lower Insurance Premiums

Many factors are part of the calculation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, although some other factors are more obscure like your continuous coverage or how safe your car is. An important part of buying insurance is that you know the rating factors that are used to determine your policy premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that will entitle you to lower car insurance prices.