Car Insurance Quotes for a Ford F-350 in Madison

Insurance quote for Ford F-350 in MadisonShockingly, nearly 70% of Wisconsin drivers have bought car insurance from the same company for at least the last four years, and approximately 40% of consumers have never quoted car insurance rates at all. U.S. consumers could save 46.5% each year just by getting comparison quotes, but they just don’t understand the amount of savings they would get if they moved their coverage to a different company.

Really, the only way to find low-cost prices for car insurance rates is to do a yearly price comparison from providers who provide car insurance in Madison. This can be done by completing these steps.

  1. Gain an understanding of how insurance companies determine prices and the measures you can control to drop your rates. Many risk factors that result in higher rates such as careless driving and a poor credit score can be rectified by making lifestyle changes or driving safer. Later in this article we will cover additional ideas to get cheaper rates and get additional discounts that may be available.
  2. Get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like Progressive or State Farm, while independent agents can give you price quotes from multiple insurance companies.
  3. Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you can save money and switch companies, make sure there is no coverage gap between policies.
  4. Notify your current company to cancel your current car insurance policy. Submit payment along with a signed and completed policy application to the new company. As soon as coverage is bound, keep your new certificate verifying proof of insurance in an accessible location in your vehicle.

The critical component of shopping around is to try to compare similar limits and deductibles on every price quote and and to get rate quotes from as many companies as possible. This enables a level playing field and a better comparison of the market.

Locating the best rates in Madison is not that difficult as long as you know where to start. If you have a policy now, you will be able to lower your rates using the techniques covered below. Nevertheless, Wisconsin drivers benefit from understanding how the larger insurance companies determine what you pay and use it to find better rates.

When shopping for low cost Madison auto insurance quotes, there are a couple of ways to compare rate quotes from companies that offer insurance in Wisconsin. The best method to find the cheapest Ford F-350 insurance rates is to get quotes online.

Doing online rates comparisons is so easy that it makes it obsolete to spend your day driving to local insurance agencies. The internet makes this process obsolete unless your situation requires the professional assistance only provided by licensed agents. Drivers can comparison shop online but have your policy serviced through an agent.

When price shopping your coverage, getting more free quotes provides better odds of finding more affordable insurance.

The following companies have been selected to offer quotes in Madison, WI. If you want the best car insurance in Madison, we recommend you visit as many as you can to get a more complete price comparison.

Ford F-350 detailed coverage information

The coverage table displayed next showcases different insurance policy prices for Ford F-350 models. Having a good understanding how auto insurance policy rates are determined helps drivers make decisions on which coverage to buy.


Ford F-350 Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $120 $218 $352 $20 $106 $816 $68
F-350 XL Super Cab 4WD $120 $218 $352 $20 $106 $816 $68
F-350 XL Super Cab 2WD $134 $184 $234 $14 $70 $636 $53
F-350 Super Cab Cabela Package 4WD $134 $218 $352 $20 $106 $830 $69
F-350 Super Cab Cabela Package 2WD $134 $218 $234 $14 $70 $670 $56
F-350 XL Crew Cab 2WD $134 $218 $234 $14 $70 $670 $56
F-350 Crew Cab Harley Edition 4WD $134 $218 $352 $20 $106 $830 $69
F-350 Super Cab Harley Edition 4WD $134 $218 $352 $20 $106 $830 $69
F-350 Crew Cab King Ranch 4WD $134 $218 $352 $20 $106 $830 $69
F-350 XLT Crew Cab 4WD $134 $218 $352 $20 $106 $830 $69
F-350 XL Super Cab Turbo Diesel 4WD $134 $218 $352 $20 $106 $830 $69
F-350 XLT Super Cab 4WD $134 $218 $352 $20 $106 $830 $69
F-350 XLT Super Cab 2WD $134 $218 $234 $14 $70 $670 $56
F-350 XL Crew Cab Cabela Package 2WD $134 $218 $234 $14 $70 $670 $56
F-350 XL Crew Cab King Ranch 2WD $134 $218 $234 $14 $70 $670 $56
F-350 Crew Cab Lariat 4WD $134 $250 $352 $20 $106 $862 $72
F-350 Crew Cab King Ranch Turbo Diesel 4WD $134 $250 $352 $20 $106 $862 $72
F-350 Crew Cab Cabela Package 4WD $134 $250 $352 $20 $106 $862 $72
F-350 XL Crew Cab Turbo Diesel 4WD $134 $250 $352 $20 $106 $862 $72
F-350 Super Cab Lariat 4WD $134 $250 $352 $20 $106 $862 $72
F-350 Super Cab Cabela Turbo Diesel 4WD $134 $250 $352 $20 $106 $862 $72
F-350 XLT Super Cab Turbo Diesel 4WD $134 $250 $352 $20 $106 $862 $72
F-350 Super Cab Lariat 2WD $148 $218 $234 $14 $70 $684 $57
F-350 XL Super Cab Turbo Diesel 2WD $148 $218 $234 $14 $70 $684 $57
F-350 Super Cab Harley Edition 2WD $148 $218 $234 $14 $70 $684 $57
F-350 XLT Crew Cab 2WD $148 $218 $234 $14 $70 $684 $57
F-350 XLT Crew Cab Lariat 2WD $148 $218 $234 $14 $70 $684 $57
F-350 XLT Crew Cab Harley Edition 2WD $148 $218 $234 $14 $70 $684 $57
F-350 XL Crew Cab Turbo Diesel 2WD $148 $218 $234 $14 $70 $684 $57
F-350 Super Cab Lariat Turbo Diesel 4WD $148 $250 $352 $20 $106 $876 $73
F-350 XLT Crew Cab Turbo Diesel 4WD $148 $250 $352 $20 $106 $876 $73
F-350 Crew Cab Harley Turbo Diesel 4WD $148 $250 $352 $20 $106 $876 $73
F-350 Super Cab Harley Turbo Diesel 4WD $148 $250 $352 $20 $106 $876 $73
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $148 $250 $234 $14 $70 $716 $60
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $148 $250 $234 $14 $70 $716 $60
F-350 Super Cab Harley Turbo Diesel 2WD $148 $250 $234 $14 $70 $716 $60
F-350 Super Cab Cabela Turbo Diesel 2WD $148 $250 $234 $14 $70 $716 $60
F-350 Super Cab XLT Turbo Diesel 2WD $148 $250 $234 $14 $70 $716 $60
F-350 Crew Cab Lariat Turbo Diesel 4WD $148 $250 $352 $20 $106 $876 $73
F-350 Crew Cab Cabela Turbo Diesel 4WD $148 $250 $352 $20 $106 $876 $73
F-350 Crew Cab Lariat Turbo Diesel 2WD $148 $250 $234 $14 $70 $716 $60
F-350 Super Cab Lariat Turbo Diesel 2WD $148 $250 $234 $14 $70 $716 $60
Get Your Own Custom Quote Go

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in Madison location which can lower or raise coverage prices significantly.

Liability only or full coverage

The chart below shows the comparison of Ford F-350 insurance costs with full coverage compared to only the Wisconsin minimum liability coverage. The premiums are based on no claims or driving citations, $100 deductibles, single status, and no additional discounts are factored in.

When to switch to liability coverage only

There is no written rule for eliminating physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Ford F-350 book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after the policy deductible has been paid. If premiums are more than $200 a year for your policy with full coverage, then it might be time to buy liability only.

There are some scenarios where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Learn How to Quote Insurance Cheaper

When buying insurance it’s important to understand some of the factors that come into play when calculating your premiums. If you know what influences your rates, this enables you to make decisions that could result in lower premium levels.

Three good reasons to insure your Ford F-350

Despite the fact that car insurance is not cheap in Madison, insurance is required by state law in Wisconsin and it also provides benefits you may not be aware of.

The benefits of having insurance are definitely more than the cost, especially when you need to use it. Today the average American driver overpays as much as $750 every year so it’s very important to do a rate comparison every year to save money.