Auto Insurance Rate Quotes for a Ford F-350 in Tampa

Insurance rates Ford F-350 in TampaDo you need a fast way to compare low-cost Ford F-350 insurance in Tampa? Getting budget-priced Tampa Ford F-350 insurance quotes can appear to be somewhat intimidating for vehicle owners that are not comfortable with quoting and online price comparisons. With such a large number of insurers available, how are vehicle owners able to have a chance to compare every company to locate lower auto insurance premiums?

How to buy lower priced Ford F-350 insurance in Tampa

To save the most money, the best way to get discount auto insurance rates in Tampa is to make a habit of comparing prices annually from companies that sell auto insurance in Florida. Rates can be compared by following these steps.

  1. Take a little time to learn about how insurance works and the steps you can take to prevent rate increases. Many things that increase rates like tickets, at-fault accidents, and a bad credit rating can be controlled by making minor changes to your lifestyle.
  2. Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can give you price quotes from multiple companies. Compare rates now
  3. Compare the new quotes to your existing coverage to see if you can save by switching companies. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.
  4. Tell your current company of your decision to cancel your current coverage. Submit a down payment and signed policy application to your new company or agent. As soon as you receive it, put the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

One thing to remember is that you use the same physical damage deductibles and liability limits on each quote request and and to analyze as many carriers as you can. This provides a level playing field and a complete rate analysis.

Inconceivable but true, most consumers renewed their policy with the same company for at least four years, and 38% of customers have never even compared rates from other companies. Many consumers in Tampa could save as much as $1,126 a year just by comparing rates, but they won’t spend time to shop around.

How much does Ford F-350 insurance in Tampa, Florida cost?

The majority of larger companies make it easy to get coverage price quotes online. Obtaining pricing for Ford F-350 insurance in Tampa is quite easy as all you need to do is type in the coverage amounts you desire as detailed in the form. When complete, the quote system will order your credit score and driving record and gives you a price quote based on these and other factors.

Quoting online for Ford F-350 insurance in Tampa makes it a lot easier to compare rates and it’s very important to perform this step in order to get the best rate.

To quickly find out what other companies charge, compare rate quotes from the providers shown below. To compare your current rates, we recommend you type in your coverages exactly as shown on your declarations page. Doing this guarantees you will get rate quotes for similar insurance coverage.

The providers in the list below can provide comparison quotes in Tampa, FL. To buy cheap car insurance in Tampa, we suggest you compare several of them in order to get a fair rate comparison.

Rates and statistics

The information shown next outlines detailed analysis of insurance prices for Ford F-350 models. Understanding how rates are formulated can help you make informed decisions when comparing rates.

Ford F-350 Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $194 $394 $708 $42 $212 $1,550 $129
F-350 XL Super Cab 4WD $194 $394 $708 $42 $212 $1,550 $129
F-350 XL Super Cab 2WD $216 $334 $472 $28 $142 $1,192 $99
F-350 Super Cab Cabela Package 4WD $216 $394 $708 $42 $212 $1,572 $131
F-350 Super Cab Cabela Package 2WD $216 $394 $472 $28 $142 $1,252 $104
F-350 XL Crew Cab 2WD $216 $394 $472 $28 $142 $1,252 $104
F-350 Crew Cab Harley Edition 4WD $216 $394 $708 $42 $212 $1,572 $131
F-350 Super Cab Harley Edition 4WD $216 $394 $708 $42 $212 $1,572 $131
F-350 Crew Cab King Ranch 4WD $216 $394 $708 $42 $212 $1,572 $131
F-350 XLT Crew Cab 4WD $216 $394 $708 $42 $212 $1,572 $131
F-350 XL Super Cab Turbo Diesel 4WD $216 $394 $708 $42 $212 $1,572 $131
F-350 XLT Super Cab 4WD $216 $394 $708 $42 $212 $1,572 $131
F-350 XLT Super Cab 2WD $216 $394 $472 $28 $142 $1,252 $104
F-350 XL Crew Cab Cabela Package 2WD $216 $394 $472 $28 $142 $1,252 $104
F-350 XL Crew Cab King Ranch 2WD $216 $394 $472 $28 $142 $1,252 $104
F-350 Crew Cab Lariat 4WD $216 $454 $708 $42 $212 $1,632 $136
F-350 Crew Cab King Ranch Turbo Diesel 4WD $216 $454 $708 $42 $212 $1,632 $136
F-350 Crew Cab Cabela Package 4WD $216 $454 $708 $42 $212 $1,632 $136
F-350 XL Crew Cab Turbo Diesel 4WD $216 $454 $708 $42 $212 $1,632 $136
F-350 Super Cab Lariat 4WD $216 $454 $708 $42 $212 $1,632 $136
F-350 Super Cab Cabela Turbo Diesel 4WD $216 $454 $708 $42 $212 $1,632 $136
F-350 XLT Super Cab Turbo Diesel 4WD $216 $454 $708 $42 $212 $1,632 $136
F-350 Super Cab Lariat 2WD $238 $394 $472 $28 $142 $1,274 $106
F-350 XL Super Cab Turbo Diesel 2WD $238 $394 $472 $28 $142 $1,274 $106
F-350 Super Cab Harley Edition 2WD $238 $394 $472 $28 $142 $1,274 $106
F-350 XLT Crew Cab 2WD $238 $394 $472 $28 $142 $1,274 $106
F-350 XLT Crew Cab Lariat 2WD $238 $394 $472 $28 $142 $1,274 $106
F-350 XLT Crew Cab Harley Edition 2WD $238 $394 $472 $28 $142 $1,274 $106
F-350 XL Crew Cab Turbo Diesel 2WD $238 $394 $472 $28 $142 $1,274 $106
F-350 Super Cab Lariat Turbo Diesel 4WD $238 $454 $708 $42 $212 $1,654 $138
F-350 XLT Crew Cab Turbo Diesel 4WD $238 $454 $708 $42 $212 $1,654 $138
F-350 Crew Cab Harley Turbo Diesel 4WD $238 $454 $708 $42 $212 $1,654 $138
F-350 Super Cab Harley Turbo Diesel 4WD $238 $454 $708 $42 $212 $1,654 $138
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $238 $454 $472 $28 $142 $1,334 $111
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $238 $454 $472 $28 $142 $1,334 $111
F-350 Super Cab Harley Turbo Diesel 2WD $238 $454 $472 $28 $142 $1,334 $111
F-350 Super Cab Cabela Turbo Diesel 2WD $238 $454 $472 $28 $142 $1,334 $111
F-350 Super Cab XLT Turbo Diesel 2WD $238 $454 $472 $28 $142 $1,334 $111
F-350 Crew Cab Lariat Turbo Diesel 4WD $238 $454 $708 $42 $212 $1,654 $138
F-350 Crew Cab Cabela Turbo Diesel 4WD $238 $454 $708 $42 $212 $1,654 $138
F-350 Crew Cab Lariat Turbo Diesel 2WD $238 $454 $472 $28 $142 $1,334 $111
F-350 Super Cab Lariat Turbo Diesel 2WD $238 $454 $472 $28 $142 $1,334 $111
Get Your Own Custom Quote Go

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in vehicle location which can modify insurance rates greatly.

Driving violations and accidents

The illustration below highlights how traffic violations and fender-benders can drive up Ford F-350 premium costs for different insured age categories. The data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Auto insurance cost for men versus women in Tampa

The illustration below shows the difference between Ford F-350 insurance prices for male and female drivers. Data assumes no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.

Cheaper rates by applying discounts

Some insurance providers don’t necessarily list the entire discount list very well, so below is a list a few of the more common as well as some of the hidden discounts that may be available.Car insurance discounts

Remember that most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, companies don’t profit that way.

The example below illustrates the comparison of Ford F-350 annual premium costs with and without discounts applied to the policy premium. The data assumes a female driver, no claims or driving violations, Florida 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-policy, safe-driver, marriage, multi-car, claim-free, and homeowner discounts applied.

A few popular companies and their possible discounts are detailed below.

Check with all companies you are considering which discounts you qualify for. Savings may not apply to policyholders in every state.

Auto insurance is not optional in Florida

Even though it’s not necessarily cheap to insure a Ford in Tampa, insurance is required in Florida but also provides important benefits.

First, most states have compulsory liability insurance requirements which means state laws require specific limits of liability coverage if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Ford F-350 has a lienholder, it’s most likely the lender will make it a condition of the loan that you have insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Ford for a much higher rate and force you to pay for the much more expensive policy.

Third, insurance protects not only your vehicle but also your assets. It will also cover all forms of medical expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if someone files suit against you as the result of an accident. If you have damage to your Ford as the result of the weather or an accident, comprehensive and collision coverage will cover the repair costs.

The benefits of carrying enough insurance definitely exceed the cost, especially if you ever need it. But the average driver in Florida is wasting up to $825 a year so we recommend shopping around at every renewal to ensure rates are inline.

Florida car insurance company ratings

Selecting the top car insurance provider can be challenging considering how many different companies sell coverage in Tampa. The ranking information listed below may help you select which auto insurers to look at shopping prices with.

Top 10 Tampa Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Top 10 Tampa Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Can’t I compare prices from local Tampa insurance agents?

A lot of people would prefer to have an agent’s advice and that is OK! One of the benefits of price shopping on the web is that drivers can save money and get better rates and still buy from a local agent.

Tampa insurance agentsAfter completing this form (opens in new window), your coverage information is emailed to agents in your area that provide free Tampa auto insurance quotes for your auto insurance coverage. You don’t have to visit any agencies since price quotes are sent immediately to your email address. You can find the lowest rates and work with a local agent. If for some reason you want to compare rates from a specific auto insurance provider, you can always find their quoting web page and fill out the quote form the provide.

Selecting a provider should depend on more than just the price. You should also get answers to these questions.

Types of auto insurance agents in Tampa

If you want a local agent, you must know there are a couple different types of agencies that you can select. Auto insurance agents in Tampa can be categorized as either exclusive or independent agents depending on their company appointments.

Exclusive Auto Insurance Agents

Agents in the exclusive channel work for only one company such as American Family, State Farm, and AAA. They are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well trained on the products they sell and that allows them to sell at a higher price point. Some people will only buy insurance from these agents primarily because of the brand legacy instead of buying on price only.

Shown below is a short list of exclusive agents in Tampa that can give you price quotes.

More Tampa agents

Independent Agencies or Brokers

Agents that elect to be independent are not limited to a single company and that is an advantage because they can write policies through many companies and find the cheapest rate. If your agent finds better pricing, your agent can just switch to a different company and the insured can keep the same agent.

When comparison shopping, we highly recommend that you get rate quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most have the option of insuring with different regional companies which could offer lower prices.

The following are independent agents in Tampa who can help you get price quotes.

More Tampa agents