Compare Ford F-350 Insurance Rate Quotes in Toledo

Insurance for Ford F-350A recent NerdWallet.com study revealed that over 70% of consumers have been with the same company for at least four years, and practically 40% of car insurance customers have never even shopped around for lower-cost coverage. With the average car insurance premium being $1,343, Ohio drivers could save themselves 55% a year by just comparing quotes, but they just don’t understand the actual amount they would save if they swap their current policy for a cheaper one.

To save the most money, the best way to find affordable quotes for auto insurance rates in Toledo is to compare prices once a year from providers in Ohio.

  1. Read and learn about the different coverages in a policy and the modifications you can make to prevent rate increases. Many risk factors that result in higher prices like traffic violations, accidents, and a less-than-favorable credit history can be improved by making minor driving habit or lifestyle changes.
  2. Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or Allstate, while agents who are independent can provide prices from multiple companies. Find a Toledo insurance agent
  3. Compare the quotes to your existing policy and determine if cheaper F-350 coverage is available in Toledo. If you can save money and decide to switch, make sure there is no lapse in coverage.

One key aspect of rate comparisons is to try to use the same coverage limits and deductibles on each quote and to quote with as many car insurance companies as possible. This guarantees an apples-to-apples comparison and a thorough selection of prices.

Ford F-350 insurance rate analysis

The premium table shown below outlines different policy rates for Ford F-350 models. Learning more about how auto insurance prices are determined can assist in making smart buying decisions.


Ford F-350 Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $244 $512 $460 $28 $138 $1,382 $115
F-350 XL Super Cab 4WD $244 $512 $460 $28 $138 $1,382 $115
F-350 XL Super Cab 2WD $272 $434 $306 $18 $92 $1,122 $94
F-350 Super Cab Cabela Package 4WD $272 $512 $460 $28 $138 $1,410 $118
F-350 Super Cab Cabela Package 2WD $272 $512 $306 $18 $92 $1,200 $100
F-350 XL Crew Cab 2WD $272 $512 $306 $18 $92 $1,200 $100
F-350 Crew Cab Harley Edition 4WD $272 $512 $460 $28 $138 $1,410 $118
F-350 Super Cab Harley Edition 4WD $272 $512 $460 $28 $138 $1,410 $118
F-350 Crew Cab King Ranch 4WD $272 $512 $460 $28 $138 $1,410 $118
F-350 XLT Crew Cab 4WD $272 $512 $460 $28 $138 $1,410 $118
F-350 XL Super Cab Turbo Diesel 4WD $272 $512 $460 $28 $138 $1,410 $118
F-350 XLT Super Cab 4WD $272 $512 $460 $28 $138 $1,410 $118
F-350 XLT Super Cab 2WD $272 $512 $306 $18 $92 $1,200 $100
F-350 XL Crew Cab Cabela Package 2WD $272 $512 $306 $18 $92 $1,200 $100
F-350 XL Crew Cab King Ranch 2WD $272 $512 $306 $18 $92 $1,200 $100
F-350 Crew Cab Lariat 4WD $272 $588 $460 $28 $138 $1,486 $124
F-350 Crew Cab King Ranch Turbo Diesel 4WD $272 $588 $460 $28 $138 $1,486 $124
F-350 Crew Cab Cabela Package 4WD $272 $588 $460 $28 $138 $1,486 $124
F-350 XL Crew Cab Turbo Diesel 4WD $272 $588 $460 $28 $138 $1,486 $124
F-350 Super Cab Lariat 4WD $272 $588 $460 $28 $138 $1,486 $124
F-350 Super Cab Cabela Turbo Diesel 4WD $272 $588 $460 $28 $138 $1,486 $124
F-350 XLT Super Cab Turbo Diesel 4WD $272 $588 $460 $28 $138 $1,486 $124
F-350 Super Cab Lariat 2WD $300 $512 $306 $18 $92 $1,228 $102
F-350 XL Super Cab Turbo Diesel 2WD $300 $512 $306 $18 $92 $1,228 $102
F-350 Super Cab Harley Edition 2WD $300 $512 $306 $18 $92 $1,228 $102
F-350 XLT Crew Cab 2WD $300 $512 $306 $18 $92 $1,228 $102
F-350 XLT Crew Cab Lariat 2WD $300 $512 $306 $18 $92 $1,228 $102
F-350 XLT Crew Cab Harley Edition 2WD $300 $512 $306 $18 $92 $1,228 $102
F-350 XL Crew Cab Turbo Diesel 2WD $300 $512 $306 $18 $92 $1,228 $102
F-350 Super Cab Lariat Turbo Diesel 4WD $300 $588 $460 $28 $138 $1,514 $126
F-350 XLT Crew Cab Turbo Diesel 4WD $300 $588 $460 $28 $138 $1,514 $126
F-350 Crew Cab Harley Turbo Diesel 4WD $300 $588 $460 $28 $138 $1,514 $126
F-350 Super Cab Harley Turbo Diesel 4WD $300 $588 $460 $28 $138 $1,514 $126
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $300 $588 $306 $18 $92 $1,304 $109
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $300 $588 $306 $18 $92 $1,304 $109
F-350 Super Cab Harley Turbo Diesel 2WD $300 $588 $306 $18 $92 $1,304 $109
F-350 Super Cab Cabela Turbo Diesel 2WD $300 $588 $306 $18 $92 $1,304 $109
F-350 Super Cab XLT Turbo Diesel 2WD $300 $588 $306 $18 $92 $1,304 $109
F-350 Crew Cab Lariat Turbo Diesel 4WD $300 $588 $460 $28 $138 $1,514 $126
F-350 Crew Cab Cabela Turbo Diesel 4WD $300 $588 $460 $28 $138 $1,514 $126
F-350 Crew Cab Lariat Turbo Diesel 2WD $300 $588 $306 $18 $92 $1,304 $109
F-350 Super Cab Lariat Turbo Diesel 2WD $300 $588 $306 $18 $92 $1,304 $109
Get Your Own Custom Quote Go

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can revise premiums significantly.

Impact of citations and accidents on Toledo insurance rates

The diagram below shows how traffic citations and accidents can increase Ford F-350 yearly insurance costs for different age groups. The information is based on a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

Difference between liability only and full coverage rates

The diagram below illustrates the comparison of Ford F-350 insurance premiums with full coverage and liability only. The prices are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no policy discounts are applied.

When to stop buying full coverage

There is no set rule to drop physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s say your Ford F-350 claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $7,000 after the deductible is paid. If you are paying more than $700 a year for full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where only buying liability is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Learn How to Buy Insurance at a Discount

Many things are part of the calculation when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, although some other factors are not quite as obvious such as your credit history or your financial responsibility.

The items below are just a few of the factors used by insurance companies to determine prices.

In Summary

We’ve covered a lot of techniques to compare Ford F-350 insurance rates in Toledo. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even discover the most savings is with the least-expected company.

Insureds change insurance companies for a number of reasons such as extreme rates for teen drivers, unfair underwriting practices, denial of a claim and even policy non-renewal. No matter why you want to switch, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Cost effective Ford F-350 insurance is available on the web and from local insurance agents, and you need to comparison shop both to have the best selection. Some companies may not provide rates over the internet and many times these small, regional companies provide coverage only through independent agents.

To learn more, take a look at the resources below: