We don’t have to point out that fact that insurance companies don’t want you quoting rates from other companies. Drivers who shop around for better prices will presumably switch to a new company because of the high probability of finding discount prices. A study discovered that people who shopped around every year saved over $860 a year compared to policyholders who never shopped for cheaper rates.
If finding budget-friendly insurance in Nashville is your goal, then learning about the best way to shop and compare car insurance can save time, money, and frustration.
The easiest way to get low-cost Ford F-350 insurance is to do an annual price comparison from providers in Nashville.
First, try to learn a little about how auto insurance works and the steps you can take to keep rates down. Many rating factors that are responsible for high rates like traffic citations and a bad credit score can be improved by making minor changes in your lifestyle.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO or Allstate, while agents who are independent can quote rates for a wide range of insurance providers. Get quotes now
Third, compare the new rates to your existing rates to see if a cheaper rate is available in Nashville. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, give notification to your agent or company of your intention to cancel your current policy and submit a completed policy application and payment to your new agent or company. Once received, store the proof of insurance paperwork with your registration paperwork.
One thing to remember is to use similar deductibles and liability limits on each quote and and to get rates from as many companies as you can. Doing this provides an apples-to-apples comparison and and a good selection of different prices.
Best Ford F-350 insurance rates in Tennessee
The car insurance companies shown below offer free quotes in Nashville, TN. If your goal is to find the best cheap auto insurance in Nashville, TN, it’s a good idea that you visit several of them to get a more complete price comparison.
Coverage analysis
The information shown below highlights a range of prices for Ford F-350 models. Having a good grasp of how insurance quotes are established helps drivers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-350 XL Crew Cab 4WD | $228 | $440 | $584 | $34 | $176 | $1,462 | $122 |
| F-350 XL Super Cab 4WD | $228 | $440 | $584 | $34 | $176 | $1,462 | $122 |
| F-350 XL Super Cab 2WD | $254 | $372 | $390 | $24 | $116 | $1,156 | $96 |
| F-350 Super Cab Cabela Package 4WD | $254 | $440 | $584 | $34 | $176 | $1,488 | $124 |
| F-350 Super Cab Cabela Package 2WD | $254 | $440 | $390 | $24 | $116 | $1,224 | $102 |
| F-350 XL Crew Cab 2WD | $254 | $440 | $390 | $24 | $116 | $1,224 | $102 |
| F-350 Crew Cab Harley Edition 4WD | $254 | $440 | $584 | $34 | $176 | $1,488 | $124 |
| F-350 Super Cab Harley Edition 4WD | $254 | $440 | $584 | $34 | $176 | $1,488 | $124 |
| F-350 Crew Cab King Ranch 4WD | $254 | $440 | $584 | $34 | $176 | $1,488 | $124 |
| F-350 XLT Crew Cab 4WD | $254 | $440 | $584 | $34 | $176 | $1,488 | $124 |
| F-350 XL Super Cab Turbo Diesel 4WD | $254 | $440 | $584 | $34 | $176 | $1,488 | $124 |
| F-350 XLT Super Cab 4WD | $254 | $440 | $584 | $34 | $176 | $1,488 | $124 |
| F-350 XLT Super Cab 2WD | $254 | $440 | $390 | $24 | $116 | $1,224 | $102 |
| F-350 XL Crew Cab Cabela Package 2WD | $254 | $440 | $390 | $24 | $116 | $1,224 | $102 |
| F-350 XL Crew Cab King Ranch 2WD | $254 | $440 | $390 | $24 | $116 | $1,224 | $102 |
| F-350 Crew Cab Lariat 4WD | $254 | $506 | $584 | $34 | $176 | $1,554 | $130 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $254 | $506 | $584 | $34 | $176 | $1,554 | $130 |
| F-350 Crew Cab Cabela Package 4WD | $254 | $506 | $584 | $34 | $176 | $1,554 | $130 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $254 | $506 | $584 | $34 | $176 | $1,554 | $130 |
| F-350 Super Cab Lariat 4WD | $254 | $506 | $584 | $34 | $176 | $1,554 | $130 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $254 | $506 | $584 | $34 | $176 | $1,554 | $130 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $254 | $506 | $584 | $34 | $176 | $1,554 | $130 |
| F-350 Super Cab Lariat 2WD | $280 | $440 | $390 | $24 | $116 | $1,250 | $104 |
| F-350 XL Super Cab Turbo Diesel 2WD | $280 | $440 | $390 | $24 | $116 | $1,250 | $104 |
| F-350 Super Cab Harley Edition 2WD | $280 | $440 | $390 | $24 | $116 | $1,250 | $104 |
| F-350 XLT Crew Cab 2WD | $280 | $440 | $390 | $24 | $116 | $1,250 | $104 |
| F-350 XLT Crew Cab Lariat 2WD | $280 | $440 | $390 | $24 | $116 | $1,250 | $104 |
| F-350 XLT Crew Cab Harley Edition 2WD | $280 | $440 | $390 | $24 | $116 | $1,250 | $104 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $280 | $440 | $390 | $24 | $116 | $1,250 | $104 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $280 | $506 | $584 | $34 | $176 | $1,580 | $132 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $280 | $506 | $584 | $34 | $176 | $1,580 | $132 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $280 | $506 | $584 | $34 | $176 | $1,580 | $132 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $280 | $506 | $584 | $34 | $176 | $1,580 | $132 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $280 | $506 | $390 | $24 | $116 | $1,316 | $110 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $280 | $506 | $390 | $24 | $116 | $1,316 | $110 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $280 | $506 | $390 | $24 | $116 | $1,316 | $110 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $280 | $506 | $390 | $24 | $116 | $1,316 | $110 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $280 | $506 | $390 | $24 | $116 | $1,316 | $110 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $280 | $506 | $584 | $34 | $176 | $1,580 | $132 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $280 | $506 | $584 | $34 | $176 | $1,580 | $132 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $280 | $506 | $390 | $24 | $116 | $1,316 | $110 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $280 | $506 | $390 | $24 | $116 | $1,316 | $110 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in your specific Nashville location which can influence prices significantly.
Why Your Insurance Costs might be higher
When buying car insurance it’s important to understand some of the things that are used to determine your car insurance rates. If you understand what determines premiums, this enables informed choices that could help you find lower rates.
The items below are some of the most common factors used by insurance companies to determine your rate level.
Liability preserves assets – The liability section of your policy is the coverage that protects you if ever you are responsible for damages from an accident. This coverage provides for a legal defense to defend your case. This coverage is relatively inexpensive compared to comp and collision, so drivers should carry high limits.
Increase deductibles and save – The deductibles you choose are how much you are willing to pay if a claim is determined to be covered. Physical damage protection, aka comp and collision, covers damage that occurs to your car. Some instances where coverage would apply are colliding with a stationary object, hail damage, and damage caused by road hazards. The more money you have to pay, the less money you will pay for car insurance.
Alarms and GPS tracking lower prices – Selecting a car model that has an advanced theft prevention system can help lower your rates. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all aid in stopping vehicle theft.
Do you need those extra policy coverages? – Insurance policies have a lot of extra bells and whistles that may not really be needed when buying car insurance. Coverage for things like replacement cost coverage, high-cost glass coverage, and extra equipment coverage are examples of these. These coverages may sound good initially, but if you don’t need them get rid of them and save.
Ford F-350 claim statistics – Auto insurance companies analyze the history of losses to help calculate premium costs. Vehicles that the data determines to have higher claim amounts or frequency will have higher rates. The information below illustrates the collected loss data for Ford F-350 vehicles.
For each coverage type, the loss probability for all vehicles, without regard to make or model, equals 100. Percentage values below 100 suggest losses that are better than average, while percentage values above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford F-350 4WD | 78 | 54 | ||||
| Ford F-350 SuperCab 4WD | 66 | 90 | 98 | |||
| Ford F-350 SuperCrew 2WD | 108 | 232 | ||||
| Ford F-350 SuperCrew 4WD | 96 | 134 | 179 | 47 | 44 | 90 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Cheaper rates on Ford F-350 insurance in Nashville with these discounts
The price of auto insurance can be rather high, but discounts can save money and there are some available to help offset the cost. Many discounts should be triggered when you purchase, but some need to be asked for in order for you to get them.
- Claim Free – Claim-free drivers can earn big discounts as opposed to accident-prone drivers.
- New Car Discount – Putting insurance on a new F-350 can save up to 30% because newer models have to meet stringent safety requirements.
- Senior Citizen Discount – Mature drivers may be able to get a small discount on rates.
- Accident Forgiveness – This isn’t a discount exactly, but some insurance companies allow you one accident before your rates go up as long as you don’t have any claims for a specific time period.
- Active Service Discounts – Being deployed in the military can result in better car insurance rates.
It’s important to note that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, it just doesn’t work that way.
The illustration below compares Ford F-350 auto insurance costs with and without discounts applied to the policy rates. The prices are based on a male driver, no accidents or driving violations, Tennessee state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, claim-free, multi-car, and homeowner discounts applied.
To choose insurers with discount car insurance rates in Nashville, click here to view.
Local Nashville insurance agents and auto insurance
A lot of people still like to talk to an insurance agent and we recommend doing that Most agents can help determine the best coverages and help in the event of a claim. One of the great benefits of comparing rate quotes online is the fact that drivers can get the best rates and also buy local.
To help locate an agent, after submitting this simple form, your insurance coverage information is immediately sent to local insurance agents in Nashville who will give competitive quotes and help you find cheaper coverage. There is no reason to leave your house as quotes are delivered straight to your inbox. In the event you want to compare rates from a specific auto insurance provider, feel free to find their quoting web page and fill out their quote form.
Picking the best company needs to be determined by more than just a cheap price. These are some questions your agent should answer.
- Is the agency covered by Errors and Omissions coverage?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is the coverage adequate for your vehicle?
- Is the quote a firm price?
- Does the agent help file claims?
- Which insurance company do they prefer to write with?
- What will you get paid if your car is a total loss? How is that amount determined?
After receiving good answers and a low price estimate, it’s possible that you found an provider that is professional and can service your policy. Just be aware that policyholders can terminate your policy any time you want so don’t think you are locked into your new company for the full term.
Best car insurance company in Tennessee
Insuring your vehicle with the top auto insurance company is hard considering how many different companies sell coverage in Nashville. The ranking information shown below could help you pick which car insurance providers you want to consider purchasing a policy from.
Top 10 Nashville Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Don’t give up on cheap premiums
Discount Ford F-350 insurance in Nashville is available from both online companies and also from your neighborhood Nashville agents, and you should compare rates from both to have the best selection. There are still a few companies who do not offer online quoting and many times these smaller companies work with local independent agents.
In this article, we covered a lot of information how to reduce Ford F-350 insurance auto insurance rates online in Nashville. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive Nashville auto insurance quotes. You may even discover the best auto insurance rates are with some of the smallest insurance companies. They can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.
Additional resources
- Coverage Information (Progressive Insurance)
- Who Has Cheap Car Insurance Rates for Inexperienced Drivers in Nashville? (FAQ)
- What Auto Insurance is Cheapest for a Ford Explorer in Nashville? (FAQ)
- What Auto Insurance is Cheapest for a School Permit in Nashville? (FAQ)
- How Much is Car Insurance for Police Officers in Nashville? (FAQ)
- How Much is Nashville Auto Insurance for a GMC Sierra? (FAQ)
- What Insurance is Cheapest for Business Use in Nashville? (FAQ)
- Who Has Affordable Nashville Car Insurance Rates for a Chevrolet Equinox? (FAQ)
- Who Has Affordable Auto Insurance for Active Military in Nashville? (FAQ)
- Who Has Affordable Auto Insurance Rates for a 20 Year Old Female in Nashville? (FAQ)
- Who Has Cheap Car Insurance Rates for a Jeep Grand Cherokee in Nashville? (FAQ)
- Comprehensive Coverage (Liberty Mutual)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- What does Personal Injury Protection (PIP) Cover? (Allstate)