Best Rates for Ford F-350 Insurance in Virginia Beach

Insurance for Ford F-350I doubt anyone looks forward to paying for auto insurance, especially when they know they are paying too much.

A recent auto insurance study revealed that most auto insurance customers have remained with the same auto insurance company for more than four years, and just under half have never compared rates to find cheap insurance. Virginia insurance shoppers could cut their rates by $500 a year by just shopping around, but they just don’t understand how easy it is to shop their coverage around.

How to find low-cost Ford F-350 insurance in Virginia Beach

If you want to save the most money, the best way to get cheaper auto insurance rates is to regularly compare prices from different companies in Virginia Beach.

  1. Take a few minutes and learn about auto insurance and the factors you can control to drop your rates. Many rating factors that result in higher prices like careless driving and a substandard credit history can be amended by improving your driving habits or financial responsibility. Continue reading for instructions to get better rates and get bigger discounts that may have been overlooked.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or State Farm, while independent agencies can provide prices from many different companies.
  3. Compare the new rates to your current policy and determine if there is any savings. If you find a better price and buy the policy, make sure there is no lapse in coverage.
  4. Provide written notification to your current company to cancel your existing policy. Submit a down payment along with a completed application for your new coverage. As soon as you have the new policy, put the new proof of insurance certificate along with the vehicle’s registration papers.

A valuable tip to remember is to make sure you enter similar limits and deductibles on each quote and and to compare as many companies as you can. Doing this enables a fair price comparison and the best price quote selection.

Multiple insurance companies compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest rate possible on Ford F-350 insurance in Virginia Beach.

If you are insured now or just want to reduce your rates, follow these tips to shop for the lowest rates without having to cut coverage. Locating the best insurance company for you in Virginia Beach is actually quite simple. Drivers just have to understand the quickest method to compare company rates instantly.

The companies shown below are ready to provide price comparisons in Virginia Beach, VA. If your goal is to find the best car insurance in Virginia Beach, VA, it’s a good idea that you click on several of them to find the most affordable car insurance rates.

Insurance discounts help lower rates for Ford F-350 insurance in Virginia Beach

Companies that sell car insurance do not advertise the complete list of policy discounts very clearly, so below is a list some of the more common as well as the least known discounts that you may qualify for.Save money with discounts

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So when it seems like you could get a free insurance policy, nobody gets a free ride.

The illustration below shows the comparison of Ford F-350 car insurance costs with and without discounts being applied to the rates. The rates are based on a male driver, no violations or accidents, Virginia state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, multi-policy, marriage, and homeowner discounts applied.

Some companies who might offer these benefits may include but are not limited to:

Double check with each company or agent which discounts they offer. A few discounts may not be available in your area. If you would like to choose from a list of companies with significant discounts in Virginia Beach, click here.

Rate information and statistics

The price information displayed next outlines a range of insurance prices for Ford F-350 models. Learning more about how car insurance premiums are formulated can be useful when making smart choices when buying a policy.

Ford F-350 Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $126 $228 $398 $24 $120 $896 $75
F-350 XL Super Cab 4WD $126 $228 $398 $24 $120 $896 $75
F-350 XL Super Cab 2WD $140 $194 $266 $16 $80 $696 $58
F-350 Super Cab Cabela Package 4WD $140 $228 $398 $24 $120 $910 $76
F-350 Super Cab Cabela Package 2WD $140 $228 $266 $16 $80 $730 $61
F-350 XL Crew Cab 2WD $140 $228 $266 $16 $80 $730 $61
F-350 Crew Cab Harley Edition 4WD $140 $228 $398 $24 $120 $910 $76
F-350 Super Cab Harley Edition 4WD $140 $228 $398 $24 $120 $910 $76
F-350 Crew Cab King Ranch 4WD $140 $228 $398 $24 $120 $910 $76
F-350 XLT Crew Cab 4WD $140 $228 $398 $24 $120 $910 $76
F-350 XL Super Cab Turbo Diesel 4WD $140 $228 $398 $24 $120 $910 $76
F-350 XLT Super Cab 4WD $140 $228 $398 $24 $120 $910 $76
F-350 XLT Super Cab 2WD $140 $228 $266 $16 $80 $730 $61
F-350 XL Crew Cab Cabela Package 2WD $140 $228 $266 $16 $80 $730 $61
F-350 XL Crew Cab King Ranch 2WD $140 $228 $266 $16 $80 $730 $61
F-350 Crew Cab Lariat 4WD $140 $264 $398 $24 $120 $946 $79
F-350 Crew Cab King Ranch Turbo Diesel 4WD $140 $264 $398 $24 $120 $946 $79
F-350 Crew Cab Cabela Package 4WD $140 $264 $398 $24 $120 $946 $79
F-350 XL Crew Cab Turbo Diesel 4WD $140 $264 $398 $24 $120 $946 $79
F-350 Super Cab Lariat 4WD $140 $264 $398 $24 $120 $946 $79
F-350 Super Cab Cabela Turbo Diesel 4WD $140 $264 $398 $24 $120 $946 $79
F-350 XLT Super Cab Turbo Diesel 4WD $140 $264 $398 $24 $120 $946 $79
F-350 Super Cab Lariat 2WD $154 $228 $266 $16 $80 $744 $62
F-350 XL Super Cab Turbo Diesel 2WD $154 $228 $266 $16 $80 $744 $62
F-350 Super Cab Harley Edition 2WD $154 $228 $266 $16 $80 $744 $62
F-350 XLT Crew Cab 2WD $154 $228 $266 $16 $80 $744 $62
F-350 XLT Crew Cab Lariat 2WD $154 $228 $266 $16 $80 $744 $62
F-350 XLT Crew Cab Harley Edition 2WD $154 $228 $266 $16 $80 $744 $62
F-350 XL Crew Cab Turbo Diesel 2WD $154 $228 $266 $16 $80 $744 $62
F-350 Super Cab Lariat Turbo Diesel 4WD $154 $264 $398 $24 $120 $960 $80
F-350 XLT Crew Cab Turbo Diesel 4WD $154 $264 $398 $24 $120 $960 $80
F-350 Crew Cab Harley Turbo Diesel 4WD $154 $264 $398 $24 $120 $960 $80
F-350 Super Cab Harley Turbo Diesel 4WD $154 $264 $398 $24 $120 $960 $80
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $154 $264 $266 $16 $80 $780 $65
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $154 $264 $266 $16 $80 $780 $65
F-350 Super Cab Harley Turbo Diesel 2WD $154 $264 $266 $16 $80 $780 $65
F-350 Super Cab Cabela Turbo Diesel 2WD $154 $264 $266 $16 $80 $780 $65
F-350 Super Cab XLT Turbo Diesel 2WD $154 $264 $266 $16 $80 $780 $65
F-350 Crew Cab Lariat Turbo Diesel 4WD $154 $264 $398 $24 $120 $960 $80
F-350 Crew Cab Cabela Turbo Diesel 4WD $154 $264 $398 $24 $120 $960 $80
F-350 Crew Cab Lariat Turbo Diesel 2WD $154 $264 $266 $16 $80 $780 $65
F-350 Super Cab Lariat Turbo Diesel 2WD $154 $264 $266 $16 $80 $780 $65
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in vehicle location which can alter coverage prices considerably.

The illustration below highlights how deductible choice and can impact Ford F-350 yearly insurance costs for each age group. The data assumes a married female driver, full physical damage coverage, and no other discounts are factored in.

What Determines Ford F-350 Insurance Costs?

The best way to find cheaper car insurance is to take a look at the factors that go into determining the price you pay for car insurance. If you have some idea of what impacts premium levels, this enables informed choices that can help you get lower car insurance prices. Many factors are taken into consideration when you get a price on insurance. A few of the factors are predictable such as traffic violations, but other factors are not quite as obvious like where you live or how safe your car is.

The list below includes some of the major factors used by companies to determine rates.

Auto insurance agents are professional risk managers

Some people still prefer to go talk to an agent and that is a personal choice. Good insurance agents are trained risk managers and help submit paperwork. One of the best bonuses of comparing insurance prices online is you may find cheaper rates but still work with a licensed agent.

Virginia Beach insurance agentsBy using this form (opens in new window), your coverage information is transmitted to companies in Virginia Beach that can give you free Virginia Beach car insurance quotes and help you find cheaper coverage. There is no need to leave your house since rate quotes are delivered straight to your inbox. If you wish to compare rates for a specific company, you would need to navigate to their website and give them your coverage information.

Choosing an provider shouldn’t rely on just a low price. Any agent in Virginia Beach should be willing to answer these questions.

If you want a reliable agent, it’s important to understand the different agency structures and how they differ in how they can insure your vehicles. Insurance agencies may be either exclusive or independent. Either can insure your vehicles, but it’s good to learn why they differ since it can affect your agent selection.

Exclusive Insurance Agencies

Agents of this type have only one company to place business with like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot place coverage with different providers so always compare other rates. Exclusive insurance agents are very knowledgeable on sales techniques which helps them sell insurance even at higher premiums.

Listed below are Virginia Beach exclusive insurance agents that are able to give rate quotes.

3101 Virginia Beach Blvd #112Virginia Beach, VA 23452(757) 463-5480View Map

2052 S Independence Blvd #007Virginia Beach, VA 23453(757) 340-3999View Map

4221 Pleasant Valley Rd #108Virginia Beach, VA 23464(757) 467-4300View Map

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Independent Agents (or Brokers)

Independent agencies are not locked into one company so they have the ability to put coverage with a variety of different insurance companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and you stay with the same agent.

If you are comparing rate quotes, you will definitely want to get rate quotes from multiple independent agents so that you can do a thorough price comparison.

Below are Virginia Beach independent agents that are able to give price quote information.

301 Bendix Rd #300Virginia Beach, VA 23452(757) 468-6100View Map

1917 Laskin Rd Ste 101Virginia Beach, VA 23454(757) 496-5685View Map

1248 Culver LnVirginia Beach, VA 23454(757) 426-2664View Map

View more agents

If you feel you receive positive feedback to any questions you may have and cheap F-350 insurance quotes, you’ve probably found an insurance agent that is reputable and can properly service your insurance policy.

Which is the best car insurance?

When it comes to buying a policy, there is no one size fits all plan. Your needs are unique to you and your policy should reflect that.Car insurance savings
These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Best car insurance company in Virginia Beach

Finding a high-quality car insurance provider is hard considering how many different companies insure vehicles in Virginia. The ranking data shown below may help you choose which auto insurers you want to consider when comparing rate quotes.

Virginia Beach, Virginia Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Smart shoppers get results

There are still a few companies who do not provide online quoting and most of the time these regional insurance providers sell through independent agents. Cheaper insurance in Virginia Beach is available both online as well as from independent agents in Virginia Beach, and you need to price shop both to have the best rate selection.

You just learned some good ideas how to compare Ford F-350 insurance premium rates in Virginia Beach. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from a small local company. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

How to find cheaper quotes for Ford F-350 insurance in Virginia Beach

The best way to get low-cost Ford F-350 insurance is to regularly compare price quotes from different companies who provide auto insurance in Virginia Beach. Drivers can shop around by completing these steps.

Step 1: Gain an understanding of how insurance companies determine prices and the measures you can control to keep rates low. Many rating factors that result in higher rates like at-fault accidents, speeding tickets, and a lousy credit rating can be remedied by making small lifestyle or driving habit changes.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while agents who are independent can provide price quotes from multiple companies.

Step 3: Compare the new quotes to your current policy premium and determine if cheaper F-350 coverage is available. If you can save some money, make sure coverage does not lapse between policies.

Step 4: Give proper notification to your current agent or company of your intent to cancel your current policy and submit a completed policy application and payment for the new coverage. As soon as coverage is bound, put the proof of insurance paperwork in an easily accessible location in your vehicle.

One thing to remember is to use similar limits and deductibles on each price quote and and to compare as many companies as you can. Doing this guarantees a fair rate comparison and plenty of rates choose from.

More detailed insurance information is available at these sites: