If your goal is the lowest price, then the best way to find affordable quotes for Ford F-350 insurance in Columbus is to do an annual price comparison from different companies who sell auto insurance in Ohio. You can compare prices by completing these steps.
Step 1: Gain an understanding of car insurance and the modifications you can make to lower rates. Many policy risk factors that result in higher prices such as accidents, careless driving, and an unacceptable credit score can be rectified by making minor changes in your lifestyle. Later in this article we will cover more ideas to help keep prices low and find discounts that may have been missed.
Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while independent agencies can provide price quotes from multiple sources.
Step 3: Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you find a better price and make a switch, ensure there is no coverage lapse between policies.
One bit of advice is to use identical coverage information on each price quote and and to get rates from as many different insurance providers as possible. This provides a fair rate comparison and the best price selection.
Surprisingly, a recent survey revealed that almost 70% of drivers in Ohio have remained with the same auto insurance company for four years or more, and practically 40% of auto insurance customers have never taken the time to shop around. Drivers in the U.S. could save up to 47% each year just by getting comparison quotes, but they assume it’s a waste of time to do a rate comparison.
If you already have coverage or need new coverage, you will benefit by learning to find better prices without reducing protection. Choosing the best rates in Columbus is much easier if you know where to start. Drivers just need to learn the most efficient way to get comparison quotes from many different companies online.
Get affordable rates by taking advantage of discounts
Companies that sell car insurance don’t always list their entire list of discounts in an easy-to-find place, so the following is a list of some of the more common and the more hidden credits that may apply to you.
- Buy New and Save – Putting insurance on a new F-350 can save up to 30% since newer models are generally safer.
- Driver Safety – Completing a safe driver course could possibly earn you a 5% discount if your company offers it.
- Data Collection Discounts – People who choose to allow their auto insurance company to track where and when they drive by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.
- Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
- Military Rewards – Having a deployed family member could mean lower rates.
- Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
A little disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.
The chart below visualizes the comparison of Ford F-350 insurance rates with and without discounts being applied to the rates. The prices are based on a male driver, no claims, a clean driving record, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, claim-free, multi-car, and marriage discounts applied.
A few popular companies and the discounts they provide are included below.
- Farm Bureau discounts include renewal discount, driver training, 55 and retired, multi-policy, good student, and safe driver.
- State Farm policyholders can earn discounts including anti-theft, driver’s education, accident-free, multiple policy, good driver, and student away at school.
- Progressive includes discounts for homeowner, multi-vehicle, continuous coverage, online quote discount, good student, online signing, and multi-policy.
- Allstate offers discounts for FullPay discount, anti-lock brakes, passive restraint, resident student, eSmart discount, and farm vehicle.
- Nationwide has savings for business or organization, good student, easy pay, family plan, and anti-theft.
- MetLife offers premium reductions for accident-free, good driver, defensive driver, claim-free, multi-policy, good student
Double check with every insurance company which discounts you may be entitled to. Savings might not apply everywhere. For a list of insurance companies with the best Ford F-350 insurance discounts in Ohio, click here to view.
The following companies offer comparison quotes in Columbus, OH. If multiple providers are shown, we suggest you compare several of them to get the lowest price.
Rates and information analytics
The premium table shown below showcases different insurance rates for Ford F-350 models. Having knowledge of how prices are figured is important for you to make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-350 XL Crew Cab 4WD | $106 | $214 | $358 | $22 | $108 | $808 | $67 |
| F-350 XL Super Cab 4WD | $106 | $214 | $358 | $22 | $108 | $808 | $67 |
| F-350 XL Super Cab 2WD | $118 | $182 | $238 | $14 | $72 | $624 | $52 |
| F-350 Super Cab Cabela Package 4WD | $118 | $214 | $358 | $22 | $108 | $820 | $68 |
| F-350 Super Cab Cabela Package 2WD | $118 | $214 | $238 | $14 | $72 | $656 | $55 |
| F-350 XL Crew Cab 2WD | $118 | $214 | $238 | $14 | $72 | $656 | $55 |
| F-350 Crew Cab Harley Edition 4WD | $118 | $214 | $358 | $22 | $108 | $820 | $68 |
| F-350 Super Cab Harley Edition 4WD | $118 | $214 | $358 | $22 | $108 | $820 | $68 |
| F-350 Crew Cab King Ranch 4WD | $118 | $214 | $358 | $22 | $108 | $820 | $68 |
| F-350 XLT Crew Cab 4WD | $118 | $214 | $358 | $22 | $108 | $820 | $68 |
| F-350 XL Super Cab Turbo Diesel 4WD | $118 | $214 | $358 | $22 | $108 | $820 | $68 |
| F-350 XLT Super Cab 4WD | $118 | $214 | $358 | $22 | $108 | $820 | $68 |
| F-350 XLT Super Cab 2WD | $118 | $214 | $238 | $14 | $72 | $656 | $55 |
| F-350 XL Crew Cab Cabela Package 2WD | $118 | $214 | $238 | $14 | $72 | $656 | $55 |
| F-350 XL Crew Cab King Ranch 2WD | $118 | $214 | $238 | $14 | $72 | $656 | $55 |
| F-350 Crew Cab Lariat 4WD | $118 | $248 | $358 | $22 | $108 | $854 | $71 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $118 | $248 | $358 | $22 | $108 | $854 | $71 |
| F-350 Crew Cab Cabela Package 4WD | $118 | $248 | $358 | $22 | $108 | $854 | $71 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $118 | $248 | $358 | $22 | $108 | $854 | $71 |
| F-350 Super Cab Lariat 4WD | $118 | $248 | $358 | $22 | $108 | $854 | $71 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $118 | $248 | $358 | $22 | $108 | $854 | $71 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $118 | $248 | $358 | $22 | $108 | $854 | $71 |
| F-350 Super Cab Lariat 2WD | $130 | $214 | $238 | $14 | $72 | $668 | $56 |
| F-350 XL Super Cab Turbo Diesel 2WD | $130 | $214 | $238 | $14 | $72 | $668 | $56 |
| F-350 Super Cab Harley Edition 2WD | $130 | $214 | $238 | $14 | $72 | $668 | $56 |
| F-350 XLT Crew Cab 2WD | $130 | $214 | $238 | $14 | $72 | $668 | $56 |
| F-350 XLT Crew Cab Lariat 2WD | $130 | $214 | $238 | $14 | $72 | $668 | $56 |
| F-350 XLT Crew Cab Harley Edition 2WD | $130 | $214 | $238 | $14 | $72 | $668 | $56 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $130 | $214 | $238 | $14 | $72 | $668 | $56 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $130 | $248 | $358 | $22 | $108 | $866 | $72 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $130 | $248 | $358 | $22 | $108 | $866 | $72 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $130 | $248 | $358 | $22 | $108 | $866 | $72 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $130 | $248 | $358 | $22 | $108 | $866 | $72 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $130 | $248 | $238 | $14 | $72 | $702 | $59 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $130 | $248 | $238 | $14 | $72 | $702 | $59 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $130 | $248 | $238 | $14 | $72 | $702 | $59 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $130 | $248 | $238 | $14 | $72 | $702 | $59 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $130 | $248 | $238 | $14 | $72 | $702 | $59 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $130 | $248 | $358 | $22 | $108 | $866 | $72 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $130 | $248 | $358 | $22 | $108 | $866 | $72 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $130 | $248 | $238 | $14 | $72 | $702 | $59 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $130 | $248 | $238 | $14 | $72 | $702 | $59 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in zip code location which can impact price quotes considerably.
The information below illustrates how your choice of deductibles and can change Ford F-350 insurance prices for each different age group. Data assumes a single female driver, full physical damage coverage, and no additional discounts are factored in.
Impact of citations and accidents on insurance rates
The illustration below illustrates how traffic citations and at-fault fender-benders can influence Ford F-350 auto insurance costs for different insured age categories. The data is based on a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
Ford F-350 full coverage rates compared to liability only
The example below shows the difference between Ford F-350 premium costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no claims or violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.
When to drop comp and collision
There is no clear-cut rule of when to exclude physical damage coverage, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s say your Ford F-350 claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $5,000 after paying your policy deductible. If you are paying over $500 annually to have full coverage, then it might be time to buy liability only.
There are a few situations where dropping full coverage is not a good idea. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not opt for liability only.
Buying auto insurance from Columbus auto insurance agents
Some consumers just want to sit down and talk to an agent and that is a smart decision Agents are highly skilled in risk management and help you file claims. A good thing about price shopping on the web is that you can obtain cheaper rates and still have an agent to talk to. Supporting neighborhood agents is still important in Columbus.
After completing this form (opens in new window), your coverage information is emailed to participating agents in Columbus who will give competitive quotes to get your business. You won’t need to contact any insurance agencies since rate quotes are delivered immediately to your email address. If for some reason you want to get a rate quote from a particular provider, you just need to jump over to their website and give them your coverage information.
When narrowing the list to find local Columbus agents, there are two different agency structures and how they differ in how they can insure your vehicles. Auto insurance agents in Columbus are considered either independent or exclusive. Either can insure your vehicles properly, but it’s good to learn the difference in how they write coverage since it may influence the kind of agent you use.
Independent Agents
Agents of this type do not work for one specific company so as a result can place your coverage with an assortment of companies depending on which coverage is best. If you are not satisfied with one company, your agent can just switch to a different company which is easy for the insured. When searching for an agent, you absolutely need to get some free quotes from a few independent agents to ensure the widest selection of prices.
The following is a short list of independent insurance agencies in Columbus who may provide free price quotes.
Pfeifer-Ornstein Insurance Agency
3291 E Main St – Columbus, OH 43213 – (614) 235-7050 – View Map
Nationwide Insurance: Robert L Smith
4942 Reed Rd – Columbus, OH 43220 – (614) 451-2232 – View Map
Augustine Insurance Agency
3851 N High St – Columbus, OH 43214 – (614) 267-1973 – View Map
Exclusive Insurance Agencies
These type of agents generally can only insure with one company and examples are State Farm, Allstate, and Farm Bureau. They usually cannot provide prices from multiple companies so keep that in mind. Exclusive agents are trained well on sales techniques and that can be a competitive advantage.
Below is a list of exclusive agents in Columbus who can help you get price quote information.
Nikki Ogunduyile – State Farm Insurance Agent
20 S 3rd St #210 – Columbus, OH 43215 – (614) 274-7130 – View Map
David Grant – State Farm Insurance Agent
4612 N High St – Columbus, OH 43214 – (614) 262-1055 – View Map
Jerry Doherty – State Farm Insurance Agent
21 W Broad St #100 – Columbus, OH 43215 – (614) 461-7833 – View Map
Finding the right auto insurance agent should include more criteria than just the premium amount. Ask your prospective agent these questions:
- Is the agency covered by Errors and Omissions coverage?
- Does the agent recommend any additional coverage?
- Which family members are covered?
- Are there any discounts that you might be missing?
- Are they actively involved in the community?
- Do they offer claims assistance after hours?
- Are aftermarket or OEM parts used to repair vehicles?
Affordable coverage is out there
You just learned many ways to reduce Ford F-350 insurance prices online in Columbus. The most important thing to understand is the more you quote Columbus car insurance, the better likelihood of getting inexpensive Columbus car insurance quotes. Consumers could even find that the lowest priced car insurance comes from the least-expected company. These companies may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.
As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. There have been many situations where drivers have reduced collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.
Some companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents. Cost effective Ford F-350 insurance is attainable on the web and from local insurance agents, so you should compare both in order to have the best chance of saving money.
Additional information can be read at the links below
- Insuring a Leased Car (Insurance Information Institute)
- How Much are Columbus Auto Insurance Quotes for Uninsured Drivers? (FAQ)
- Who Has the Cheapest Car Insurance for Electric Cars in Columbus? (FAQ)
- How Much are Auto Insurance Quotes for a Chevrolet Equinox in Columbus? (FAQ)
- What Insurance is Cheapest for a Ford Escape in Columbus? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Neck Injury FAQ (iihs.org)
- What are my Rights when Filing a Claim? (Insurance Information Institute)