Are you tired of trying to find more competitive Ford F-350 insurance in Atlanta? No car owner rejoices having to buy auto insurance, particularly when they could find better prices if they shop around.
Unbelievable but true according to a study nearly 70% of customers renewed their policy with the same company for four years or more, and 38% of drivers have never compared rates to find cheap insurance. The average driver in Atlanta can save up to 60% each year, but they don’t know how much they could save if they switch to a new company. Consumers have multiple insurance companies to buy insurance from, and although it’s a good thing to be able to choose, it can be more difficult to compare rates and cut insurance costs.
It’s smart to compare prices quite often due to the fact that insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest rate on Ford F-350 insurance in Atlanta last year other companies may now be cheaper. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to how to quote online to find the best coverage while lowering your premiums.
The providers in the list below offer free rate quotes in Atlanta, GA. If more than one company is shown, it’s highly recommended you click on several of them 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 | $166 | $322 | $566 | $34 | $170 | $1,258 | $105 |
| F-350 XL Super Cab 4WD | $336 | $694 | $714 | $42 | $214 | $2,000 | $167 |
| F-350 XL Super Cab 2WD | $374 | $590 | $476 | $28 | $142 | $1,610 | $134 |
| F-350 Super Cab Cabela Package 4WD | $262 | $466 | $796 | $48 | $238 | $1,810 | $151 |
| F-350 Super Cab Cabela Package 2WD | $230 | $372 | $402 | $24 | $120 | $1,148 | $96 |
| F-350 XL Crew Cab 2WD | $366 | $706 | $414 | $24 | $124 | $1,634 | $136 |
| F-350 Crew Cab Harley Edition 4WD | $328 | $598 | $554 | $32 | $166 | $1,678 | $140 |
| F-350 Super Cab Harley Edition 4WD | $328 | $598 | $554 | $32 | $166 | $1,678 | $140 |
| F-350 Crew Cab King Ranch 4WD | $204 | $372 | $620 | $36 | $186 | $1,418 | $118 |
| F-350 XLT Crew Cab 4WD | $332 | $612 | $566 | $34 | $170 | $1,714 | $143 |
| F-350 XL Super Cab Turbo Diesel 4WD | $472 | $886 | $796 | $48 | $238 | $2,440 | $203 |
| F-350 XLT Super Cab 4WD | $214 | $350 | $608 | $36 | $182 | $1,390 | $116 |
| F-350 XLT Super Cab 2WD | $204 | $372 | $444 | $26 | $134 | $1,180 | $98 |
| F-350 XL Crew Cab Cabela Package 2WD | $388 | $662 | $406 | $24 | $122 | $1,602 | $134 |
| F-350 XL Crew Cab King Ranch 2WD | $282 | $448 | $406 | $24 | $122 | $1,282 | $107 |
| F-350 Crew Cab Lariat 4WD | $486 | $830 | $774 | $46 | $232 | $2,368 | $197 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $232 | $502 | $714 | $42 | $214 | $1,704 | $142 |
| F-350 Crew Cab Cabela Package 4WD | $232 | $502 | $714 | $42 | $214 | $1,704 | $142 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $298 | $634 | $768 | $46 | $230 | $1,976 | $165 |
| F-350 Super Cab Lariat 4WD | $328 | $680 | $620 | $36 | $186 | $1,850 | $154 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $366 | $812 | $666 | $40 | $200 | $2,084 | $174 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $294 | $576 | $554 | $32 | $166 | $1,622 | $135 |
| F-350 Super Cab Lariat 2WD | $200 | $316 | $370 | $22 | $110 | $1,018 | $85 |
| F-350 XL Super Cab Turbo Diesel 2WD | $362 | $592 | $444 | $26 | $134 | $1,558 | $130 |
| F-350 Super Cab Harley Edition 2WD | $224 | $392 | $444 | $26 | $134 | $1,220 | $102 |
| F-350 XLT Crew Cab 2WD | $390 | $486 | $516 | $30 | $154 | $1,576 | $131 |
| F-350 XLT Crew Cab Lariat 2WD | $236 | $350 | $406 | $24 | $122 | $1,138 | $95 |
| F-350 XLT Crew Cab Harley Edition 2WD | $268 | $414 | $378 | $22 | $114 | $1,196 | $100 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $200 | $316 | $370 | $22 | $110 | $1,018 | $85 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $294 | $550 | $620 | $36 | $186 | $1,686 | $141 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $250 | $494 | $768 | $46 | $230 | $1,788 | $149 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $294 | $550 | $666 | $40 | $200 | $1,750 | $146 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $404 | $786 | $768 | $46 | $230 | $2,234 | $186 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $204 | $372 | $378 | $22 | $114 | $1,090 | $91 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $412 | $800 | $476 | $28 | $142 | $1,858 | $155 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $288 | $538 | $532 | $32 | $158 | $1,548 | $129 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $328 | $634 | $512 | $30 | $154 | $1,658 | $138 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $534 | $830 | $516 | $30 | $154 | $2,064 | $172 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $384 | $640 | $608 | $36 | $182 | $1,850 | $154 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $412 | $800 | $714 | $42 | $214 | $2,182 | $182 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $470 | $830 | $394 | $24 | $118 | $1,836 | $153 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $404 | $786 | $512 | $30 | $154 | $1,886 | $157 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in your specific Atlanta location which can modify premiums greatly.
Rate comparison of male drivers versus female drivers
The chart below illustrates the comparison of Ford F-350 car insurance costs for male and female drivers. The data is based on no accidents or driving violations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Ford F-350 full coverage rates compared to liability only
The chart below illustrates the difference between Ford F-350 yearly insurance costs when comparing full coverage to state minimum liability only. The price estimates are based on no tickets, no at-fault accidents, $500 deductibles, married male driver, and no discounts are taken into consideration.
When to stop paying for full coverage
There is no specific rule for excluding full coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s pretend your Ford F-350 settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after you pay the deductible. If premiums are more than $500 annually for your policy with full coverage, then it could be time to drop full coverage.
There are some conditions where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
An analysis of deductible level
The information below highlights how deductible selection and can impact Ford F-350 insurance costs for different age groups. The premiums are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
What insurance coverages do I need?
When it comes to your policy, there really is not a “perfect” insurance plan. Your situation is unique and your car insurance should be unique as well.
These are some specific questions may help you determine if you will benefit from professional help.
- Is my nanny covered when driving my vehicle?
- Is water damage covered by my policy?
- When should I drop full coverage on my Ford F-350?
- Does my policy cover my teen driver if they drive my company car?
- What if I don’t agree with a claim settlement offer?
- Is a driver training discount available?
- Which companies are cheaper for teen drivers?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Local Atlanta insurance agents and insurance
A lot of people still prefer to have an agent’s advice and that is recommended in a lot of cases Agents will help you protect your assets and help you file claims. A nice benefit of price shopping on the web is you may find cheap rate quotes and also buy local.
Upon completion of this form (opens in new window), your insurance data is transmitted to agents in your area that can give you free Atlanta car insurance quotes for your business. You won’t even need to search for an agent as quotes are delivered to the email address you provide. If you wish to compare prices from a particular provider, you would need to jump over to their website and give them your coverage information.
Choosing the best provider should depend on more than just the premium amount. Before buying a policy in Atlanta, get answers to these questions.
- Are they in the agency full-time?
- What insurance company do they write the most business with?
- Which companies do they recommend if they are an independent agency?
- How many companies do they write for?
- How often do they review coverages?
- Do the companies they represent have a solid financial rating?
- Does the agent help file claims?
How to choose the best auto insurance agent in Atlanta
If you are searching for local Atlanta agents, you should know the types of insurance agents that differ in how they can insure your vehicles. Insurance agents in Atlanta can be classified as either independent agents or exclusive agents depending on their employer. Both types of agents can write policy coverage, but it’s a good idea to understand how they differ since it can affect the kind of agent you use.
Exclusive Insurance Agents
Agents in the exclusive channel can only place business with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to shop your coverage around so keep that in mind. Exclusive agents are well schooled in insurance sales which aids in selling service over price.
Shown below are Atlanta exclusive agents who can help you get price quote information.
State Farm: Dave Simpson Jr
2240 Fairburn Rd SW – Atlanta, GA 30331 – (404) 344-9777 – View Map
Farmers Insurance – Jannette Boykin
674 North Highland Avenue Northeast b – Atlanta, GA 30306 – (678) 904-6621 – View Map
GEICO Insurance Agent
3680 Cascade Rd c – Atlanta, GA 30331 – (404) 472-9003 – View Map
Independent Agencies or Brokers
Independent agents are not limited to a single company and that enables them to quote your coverage amongst many companies and potentially find a lower price. If prices rise, they can switch companies in-house and you won’t have to switch agencies. If you are comparing insurance prices, you definitely need to include rate quotes from independent agents so that you have a good selection of quotes to compare.
Listed below is a short list of independent insurance agencies in Atlanta who can help you get rate quotes.
Access General Agency Inc
1627 Peachtree St NE – Atlanta, GA 30309 – (404) 817-9744 – View Map
Cascade Heights Insurance Agency
833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map
Nationwide Insurance: Slater Insurance Agency LLC
501 Pulliam St SW #514a – Atlanta, GA 30312 – (404) 474-6356 – View Map
After receiving good feedback to any questions you may have and low cost Ford F-350 insurance quotes, it’s possible that you found a car insurance agent that meets the criteria to properly insure your vehicles.