Everyone knows that auto insurance companies don’t want you shop around. Consumers who rate shop once a year are very likely to buy a new policy because of the high probability of finding a policy with better rates. A study discovered that people who compared rates annually saved an average of $3,500 over four years compared to policyholders who never shopped around for lower prices.
If finding the most affordable Ford F-350 insurance in Minneapolis is the reason you’re reading this, then having some knowledge of the best way to quote and compare insurance can make it easier to find better rates.
Truthfully, the best way to get cheaper car insurance rates in Minneapolis is to compare prices once a year from providers in Minnesota.
- Try to comprehend how your policy works and the steps you can take to keep rates down. Many factors that result in higher prices such as traffic violations and an unacceptable credit history can be remedied by paying attention to minor details.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while agents who are independent can quote rates from multiple sources.
- Compare the new rates to the premium of your current policy to determine if you can save on F-350 insurance in Minneapolis. If you find a lower rate quote and buy the policy, make sure there is no lapse in coverage.
- Provide adequate notice to your current company of your decision to cancel your current policy. Submit a down payment and signed policy application to the new company. Immediately upon receiving it, put the proof of insurance paperwork with your registration paperwork.
A valuable tip to remember is to use the same level of coverage on every price quote and and to get quotes from as many companies as feasibly possible. Doing this ensures an apples-to-apples comparison and plenty of rates choose from.
Best companies for low-cost Ford F-350 insurance in Minnesota
The companies shown below can provide price comparisons in Minnesota. If your goal is to find the best cheap auto insurance in Minneapolis, MN, we suggest you visit two to three different companies to find the most affordable car insurance rates.
Ford F-350 insurance coverage information
The information shown below covers a range of insurance policy prices for Ford F-350 models. Having insight into how insurance policy rates are established is important for making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-350 XL Crew Cab 4WD | $166 | $300 | $486 | $28 | $146 | $1,126 | $94 |
| F-350 XL Super Cab 4WD | $166 | $300 | $486 | $28 | $146 | $1,126 | $94 |
| F-350 XL Super Cab 2WD | $184 | $254 | $324 | $20 | $96 | $878 | $73 |
| F-350 Super Cab Cabela Package 4WD | $184 | $300 | $486 | $28 | $146 | $1,144 | $95 |
| F-350 Super Cab Cabela Package 2WD | $184 | $300 | $324 | $20 | $96 | $924 | $77 |
| F-350 XL Crew Cab 2WD | $184 | $300 | $324 | $20 | $96 | $924 | $77 |
| F-350 Crew Cab Harley Edition 4WD | $184 | $300 | $486 | $28 | $146 | $1,144 | $95 |
| F-350 Super Cab Harley Edition 4WD | $184 | $300 | $486 | $28 | $146 | $1,144 | $95 |
| F-350 Crew Cab King Ranch 4WD | $184 | $300 | $486 | $28 | $146 | $1,144 | $95 |
| F-350 XLT Crew Cab 4WD | $184 | $300 | $486 | $28 | $146 | $1,144 | $95 |
| F-350 XL Super Cab Turbo Diesel 4WD | $184 | $300 | $486 | $28 | $146 | $1,144 | $95 |
| F-350 XLT Super Cab 4WD | $184 | $300 | $486 | $28 | $146 | $1,144 | $95 |
| F-350 XLT Super Cab 2WD | $184 | $300 | $324 | $20 | $96 | $924 | $77 |
| F-350 XL Crew Cab Cabela Package 2WD | $184 | $300 | $324 | $20 | $96 | $924 | $77 |
| F-350 XL Crew Cab King Ranch 2WD | $184 | $300 | $324 | $20 | $96 | $924 | $77 |
| F-350 Crew Cab Lariat 4WD | $184 | $346 | $486 | $28 | $146 | $1,190 | $99 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $184 | $346 | $486 | $28 | $146 | $1,190 | $99 |
| F-350 Crew Cab Cabela Package 4WD | $184 | $346 | $486 | $28 | $146 | $1,190 | $99 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $184 | $346 | $486 | $28 | $146 | $1,190 | $99 |
| F-350 Super Cab Lariat 4WD | $184 | $346 | $486 | $28 | $146 | $1,190 | $99 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $184 | $346 | $486 | $28 | $146 | $1,190 | $99 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $184 | $346 | $486 | $28 | $146 | $1,190 | $99 |
| F-350 Super Cab Lariat 2WD | $204 | $300 | $324 | $20 | $96 | $944 | $79 |
| F-350 XL Super Cab Turbo Diesel 2WD | $204 | $300 | $324 | $20 | $96 | $944 | $79 |
| F-350 Super Cab Harley Edition 2WD | $204 | $300 | $324 | $20 | $96 | $944 | $79 |
| F-350 XLT Crew Cab 2WD | $204 | $300 | $324 | $20 | $96 | $944 | $79 |
| F-350 XLT Crew Cab Lariat 2WD | $204 | $300 | $324 | $20 | $96 | $944 | $79 |
| F-350 XLT Crew Cab Harley Edition 2WD | $204 | $300 | $324 | $20 | $96 | $944 | $79 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $204 | $300 | $324 | $20 | $96 | $944 | $79 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $204 | $346 | $486 | $28 | $146 | $1,210 | $101 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $204 | $346 | $486 | $28 | $146 | $1,210 | $101 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $204 | $346 | $486 | $28 | $146 | $1,210 | $101 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $204 | $346 | $486 | $28 | $146 | $1,210 | $101 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $204 | $346 | $324 | $20 | $96 | $990 | $83 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $204 | $346 | $324 | $20 | $96 | $990 | $83 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $204 | $346 | $324 | $20 | $96 | $990 | $83 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $204 | $346 | $324 | $20 | $96 | $990 | $83 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $204 | $346 | $324 | $20 | $96 | $990 | $83 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $204 | $346 | $486 | $28 | $146 | $1,210 | $101 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $204 | $346 | $486 | $28 | $146 | $1,210 | $101 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $204 | $346 | $324 | $20 | $96 | $990 | $83 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $204 | $346 | $324 | $20 | $96 | $990 | $83 |
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price information does not factor in vehicle location which can alter coverage rates greatly.
Save money on Ford F-350 insurance in Minneapolis with these car insurance discounts
The cost of insuring your cars can be expensive, but you might find some hidden discounts that can help lower your rates. Larger premium reductions will be automatically applied when you get a quote, but a few need to be specifically requested in order for you to get them. If you’re not getting every credit you deserve, you are not getting the best rate possible.
- Multiple Policy Discount – If you combine your auto and home policies and place coverage with the same company they may give you a discount of up to 20% and get you cheap F-350 insurance.
- Senior Citizen Rates – Seniors can possibly qualify for a discount up to 10%.
- Buy New and Save – Adding a new car to your policy can be considerably cheaper since newer models are generally safer.
- Government Employee Discount – Simply working for the federal government may reduce rates when you quote Minneapolis car insurance with select insurance companies.
- Auto/Life Discount – Insurance companies who offer life insurance give a lower rate if you buy some life insurance in addition to your auto policy.
- Military Discounts – Being deployed with a military unit could trigger a small discount.
- Safety Course Discount – Taking time to complete a driver safety course could cut 5% off your bill and also improve your driving technique.
- Clubs and Organizations – Participating in qualifying clubs or civic groups is a simple method to lower premiums when getting a Minneapolis car insurance quote.
As a footnote on discounts, most discounts do not apply to the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though you would think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
The information below visualizes the comparison of Ford F-350 auto insurance rates with and without discounts applied to the policy premium. The data assumes a female driver, no accidents, no driving violations, Minnesota state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, multi-car, homeowner, and multi-policy discounts applied.
A few popular companies and some of the premium reductions they offer are outlined below.
- Travelers has discounts for save driver, hybrid/electric vehicle, payment discounts, IntelliDrive, and continuous insurance.
- 21st Century offers discounts for early bird, driver training, teen driver, student driver, and good student.
- State Farm may have discounts that include good driver, good student, accident-free, safe vehicle, multiple policy, passive restraint, and Steer Clear safe driver discount.
- GEICO may include discounts for air bags, membership and employees, military active duty, anti-theft, driver training, and anti-lock brakes.
- SAFECO offers premium reductions for safe driver, bundle discounts, accident prevention training, teen safe driver, and anti-theft.
- AAA offers discounts including good driver, pay-in-full, good student, anti-theft, education and occupation, and multi-car.
Before buying, ask every company to apply every possible discount. All car insurance discounts may not be available in your area. To locate insurers with significant discounts in Minnesota, follow this link.
Insurance agents can help
When it comes to the right insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different and your auto insurance should unique, too. Here are some questions about coverages that might point out whether your personal situation may require specific advice.
- When should I not buy collision coverage?
- Can I afford to buy a different vehicle if my Ford F-350 is totaled?
- Is my nanny covered when driving my vehicle?
- I have health insurance so do I need medical payments coverage?
- Do I need to call my car insurance company before buying a new car?
- Do I have coverage if my license is suspended?
- Is borrowed equipment or tools covered if stolen or damaged?
- Can I make deliveries for my home business?
- How high should my uninsured/underinsured coverage be in Minnesota?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.
Local Minneapolis insurance agencies
Certain consumers would rather visit with an insurance agent and that is just fine! One of the great benefits of getting free rate quotes online is the fact that drivers can get the best rates but also keep your business local. Buying from and supporting local insurance agents is important especially in Minneapolis.
Upon completion of this quick form, your coverage information is immediately sent to agents in your area who will give you bids and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to contact any agents as quotes are delivered directly to your email. You can find better rates without having to waste a lot of time. If you have a need to compare rates for a specific company, you can always go to their quote page and complete a quote there.
Exclusive and independent Minneapolis car insurance agents
If you want a good Minneapolis insurance agent, there are a couple of different types of agents and how they are slightly different. Agents in Minneapolis can be classified as either independent agents or exclusive agents depending on their employer.
Independent Agencies or Brokers
These agents are not employed by any specific company so they can write business amongst many companies and help determine which has the cheapest rates. If your premiums go up, they simply move the coverage in-house which makes it simple for you. If you need cheaper car insurance rates, you will want to get quotes from a few independent agents for maximum quote selection. Most have the option of insuring with smaller mutual companies which could offer lower prices.
Featured below is a short list of independent insurance agencies in Minneapolis that can give you price quote information.
- Higgins Insurance
2214 Central Ave NE – Minneapolis, MN 55418 – (612) 789-7231 – View Map - Oakwood Insurance Inc
5188 Central Ave NE – Minneapolis, MN 55421 – (763) 862-4800 – View Map - Dedicated Insurance
2736 Lyndale Ave S – Minneapolis, MN 55408 – (612) 872-4004 – View Map
Exclusive Insurance Agents
Agents of this type normally can only provide a single company’s rates and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide prices from multiple companies so it’s a take it or leave it situation. These agents receive extensive training on their company’s products which aids in selling service over price. Drivers often buy from exclusive agents mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Listed below are Minneapolis exclusive insurance agents who can help you get rate quotes.
- State Farm Insurance: Karl Herman
3017 W 56th St – Minneapolis, MN 55410 – (612) 455-8844 – View Map - Julie Nadeau – State Farm Insurance Agent
7801 E Bush Lake Rd #200 – Minneapolis, MN 55439 – (952) 937-2020 – View Map - State Farm: Seth Bork Insurance Agency Incorporated
8347 University Ave NE D – Minneapolis, MN 55432 – (763) 780-2222 – View Map
Deciding on an car insurance agent shouldn’t rely on just a cheap price. Get answers to these questions too.
- Can glass claims be handled at your home?
- Does the agent help file claims?
- How much training do they have in personal risk management?
- Are you getting all the discounts the company offers?
- Will a damage claim use OEM or aftermarket replacement parts?
- Is the quote a firm price?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they offer claims assistance after hours?
One last thing to lower rates
While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. There have been many cases where drivers have reduced physical damage coverage only to regret that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at the best possible price while still protecting your assets.
You just read a lot of techniques to compare Ford F-350 insurance premium rates in Minneapolis. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with the smaller companies. Smaller companies may only write in your state and offer lower prices than their larger competitors like Progressive and GEICO.
Other resources
- Coverage Information (Progressive Insurance)
- What Auto Insurance is Cheapest for a Nissan Rogue in Minneapolis? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Wrangler in Minneapolis? (FAQ)
- What Car Insurance is Cheapest for 18 Year Olds in Minneapolis? (FAQ)
- How Much is Minneapolis Car Insurance for College Students? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)