Are you tired of trying to find cheaper car insurance rates in Pittsburgh, PA? Pittsburgh consumers have a choice when looking for low-cost Ford F-350 insurance. They can either spend hours calling around trying to get quotes or use the internet to compare rates.
There are more efficient ways to compare car insurance rates so you’re going to learn the proper way to get price quotes on a Ford and find the lowest price from both online companies and Pittsburgh agents.
It’s hard to fathom, but a large majority of car insurance policyholders in Pennsylvania have purchased from the same company for well over three years, and approximately 40% of consumers have never shopped around. Drivers in the United States could save about 47% every year just by shopping around, but most tend to underestimate the benefits if they switched.
These techniques will let you in on how auto insurance companies operate and also pocket some savings If you’re already insured, you will be able to shop for the lowest rates using the tips covered below. Drivers just need to use the quickest way to buy insurance using one simple form.
The auto insurance companies shown below offer price quotes in Pittsburgh, PA. If you want cheaper auto insurance in Pittsburgh, it’s highly recommended you visit several of them in order to get a fair rate comparison.
Statistics and details
The data table below outlines a range of insurance prices for Ford F-350 models. Learning more about how insurance quotes are determined can help you make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-350 XL Crew Cab 4WD | $288 | $506 | $494 | $30 | $148 | $1,466 | $122 |
| F-350 XL Super Cab 4WD | $288 | $506 | $494 | $30 | $148 | $1,466 | $122 |
| F-350 XL Super Cab 2WD | $320 | $428 | $330 | $20 | $98 | $1,196 | $100 |
| F-350 Super Cab Cabela Package 4WD | $320 | $506 | $494 | $30 | $148 | $1,498 | $125 |
| F-350 Super Cab Cabela Package 2WD | $320 | $506 | $330 | $20 | $98 | $1,274 | $106 |
| F-350 XL Crew Cab 2WD | $320 | $506 | $330 | $20 | $98 | $1,274 | $106 |
| F-350 Crew Cab Harley Edition 4WD | $320 | $506 | $494 | $30 | $148 | $1,498 | $125 |
| F-350 Super Cab Harley Edition 4WD | $320 | $506 | $494 | $30 | $148 | $1,498 | $125 |
| F-350 Crew Cab King Ranch 4WD | $320 | $506 | $494 | $30 | $148 | $1,498 | $125 |
| F-350 XLT Crew Cab 4WD | $320 | $506 | $494 | $30 | $148 | $1,498 | $125 |
| F-350 XL Super Cab Turbo Diesel 4WD | $320 | $506 | $494 | $30 | $148 | $1,498 | $125 |
| F-350 XLT Super Cab 4WD | $320 | $506 | $494 | $30 | $148 | $1,498 | $125 |
| F-350 XLT Super Cab 2WD | $320 | $506 | $330 | $20 | $98 | $1,274 | $106 |
| F-350 XL Crew Cab Cabela Package 2WD | $320 | $506 | $330 | $20 | $98 | $1,274 | $106 |
| F-350 XL Crew Cab King Ranch 2WD | $320 | $506 | $330 | $20 | $98 | $1,274 | $106 |
| F-350 Crew Cab Lariat 4WD | $320 | $582 | $494 | $30 | $148 | $1,574 | $131 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $320 | $582 | $494 | $30 | $148 | $1,574 | $131 |
| F-350 Crew Cab Cabela Package 4WD | $320 | $582 | $494 | $30 | $148 | $1,574 | $131 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $320 | $582 | $494 | $30 | $148 | $1,574 | $131 |
| F-350 Super Cab Lariat 4WD | $320 | $582 | $494 | $30 | $148 | $1,574 | $131 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $320 | $582 | $494 | $30 | $148 | $1,574 | $131 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $320 | $582 | $494 | $30 | $148 | $1,574 | $131 |
| F-350 Super Cab Lariat 2WD | $352 | $506 | $330 | $20 | $98 | $1,306 | $109 |
| F-350 XL Super Cab Turbo Diesel 2WD | $352 | $506 | $330 | $20 | $98 | $1,306 | $109 |
| F-350 Super Cab Harley Edition 2WD | $352 | $506 | $330 | $20 | $98 | $1,306 | $109 |
| F-350 XLT Crew Cab 2WD | $352 | $506 | $330 | $20 | $98 | $1,306 | $109 |
| F-350 XLT Crew Cab Lariat 2WD | $352 | $506 | $330 | $20 | $98 | $1,306 | $109 |
| F-350 XLT Crew Cab Harley Edition 2WD | $352 | $506 | $330 | $20 | $98 | $1,306 | $109 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $352 | $506 | $330 | $20 | $98 | $1,306 | $109 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $352 | $582 | $494 | $30 | $148 | $1,606 | $134 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $352 | $582 | $494 | $30 | $148 | $1,606 | $134 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $352 | $582 | $494 | $30 | $148 | $1,606 | $134 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $352 | $582 | $494 | $30 | $148 | $1,606 | $134 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $352 | $582 | $330 | $20 | $98 | $1,382 | $115 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $352 | $582 | $330 | $20 | $98 | $1,382 | $115 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $352 | $582 | $330 | $20 | $98 | $1,382 | $115 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $352 | $582 | $330 | $20 | $98 | $1,382 | $115 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $352 | $582 | $330 | $20 | $98 | $1,382 | $115 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $352 | $582 | $494 | $30 | $148 | $1,606 | $134 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $352 | $582 | $494 | $30 | $148 | $1,606 | $134 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $352 | $582 | $330 | $20 | $98 | $1,382 | $115 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $352 | $582 | $330 | $20 | $98 | $1,382 | $115 |
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise rates greatly.
Driving violations and accidents
The information below illustrates how speeding tickets and at-fault fender-benders impact Ford F-350 insurance prices for different ages of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
Check for these discounts on Ford F-350 insurance in Pittsburgh
The cost of insuring your cars can be expensive, but you might already qualify for some discounts to reduce the price significantly. Some of these discounts will be visible at the time of purchase, but a few must be asked for before you get the savings.
- Payment Discounts – By making one initial payment instead of making monthly payments you may have a lower total premium amount.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and will qualify for a discount on a Pittsburgh car insurance quote.
- Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
- Homeowners Savings – Just owning your own home may trigger a policy discount on car insurance because of the fact that having a home is proof of financial responsibility.
- Defensive Driver Discount – Passing a class that teaches defensive driver techniques can save you 5% or more depending on where you live.
- Active Military Service – Having a deployed family member may lower your premium rates slightly.
A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you could get a free car insurance policy, nobody gets a free ride. Any amount of discount will definitely reduce your policy cost.
The diagram below visualizes the comparison of Ford F-350 insurance premiums with and without discounts applied to the premium. The data assumes a male driver, no violations or accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, multi-policy, safe-driver, and claim-free discounts applied.
The best car insurance companies and a partial list of their discounts can be read below.
- State Farm has discounts for Steer Clear safe driver discount, Drive Safe & Save, passive restraint, anti-theft, student away at school, and safe vehicle.
- American Family discounts include good student, Steer into Savings, early bird, accident-free, air bags, good driver, and mySafetyValet.
- AAA includes discounts for pay-in-full, AAA membership discount, multi-policy, multi-car, good driver, and education and occupation.
- GEICO has savings for military active duty, seat belt use, emergency military deployment, multi-vehicle, membership and employees, and anti-theft.
- Mercury Insurance policyholders can earn discounts including good driver, age of vehicle, anti-theft, type of vehicle, multi-policy, accident-free, and professional/association.
- Farmers Insurance may offer discounts for switch companies, distant student, good student, mature driver, and alternative fuel.
- Progressive offers discounts for multi-policy, online signing, continuous coverage, online quote discount, homeowner, and good student.
It’s a good idea to ask every insurance company which credits you are entitled to. Savings might not be offered in Pittsburgh. For a list of companies offering car insurance discounts in Pittsburgh, follow this link.
Car insurance is not optional
Despite the high cost of buying insurance for a Ford F-350 in Pittsburgh, insuring your vehicle is mandatory in Pennsylvania but it also protects more than you think.
- Just about all states have mandatory insurance requirements which means state laws require specific limits of liability insurance coverage if you drive a vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Ford, it’s guaranteed your bank will have a requirement that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Ford at an extremely high rate and force you to reimburse them much more than you were paying before.
- Insurance safeguards not only your Ford F-350 but also your financial assets. It will also reimburse you for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of carrying adequate insurance more than cancel out the cost, particularly when you have a large claim. The average driver in America is currently overpaying as much as $855 a year so it’s very important to do a rate comparison at least once a year to be sure current rates are still competitive.
Car insurance company ratings
Finding a good quality insurance provider can be challenging considering how many different companies sell coverage in Pittsburgh. The company information shown next can help you select which coverage providers you want to consider when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 79 | 93 | 90 | 87% | A+ | 88.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
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Data Source: Insure.com Best Car Insurance Companies
Independent versus exclusive auto insurance agents
Many drivers would rather talk to an insurance agent and that can be a smart move Licensed agents are highly skilled in risk management and help file insurance claims. The best thing about comparing rate quotes online is that you can obtain cheap car insurance quotes and still have an agent to talk to. Buying insurance from local agencies is especially important in Pittsburgh.
After filling out this simple form, the quote information is immediately sent to local insurance agents who will gladly provide quotes and help you find cheaper coverage. There is no need to drive around as quotes are delivered straight to your inbox. If for some reason you want to get a price quote from a specific company, you can always jump over to their website and complete a quote there.
If you prefer to buy car insurance from a reputable agency, it can be helpful to understand the different agency structures and how they are slightly different. Insurance agencies in Pittsburgh can either be independent (non-exclusive) or exclusive. Both types of agents can write policy coverage, but it’s good to learn the difference in how they write coverage because it can impact which agent you choose.
Independent Car Insurance Agencies
Independent agencies are not locked into one company and that allows them to write policies with a variety of different insurance companies and find the cheapest rate. If they find a lower price, the agent simply finds a different carrier and the insured can keep the same agent. When comparing rate quotes, you definitely need to include rate quotes from independent agents to ensure the widest selection of prices. Many can place coverage with companies that do not advertise much that may provide cheaper car insurance rates.
Below are Pittsburgh independent insurance agencies that may be able to give you free price quotes.
- Insurance Consultants Of Pittsburgh
300 Mt Lebanon Blvd – Pittsburgh, PA 15234 – (412) 344-2800 – View Map - Nationwide Insurance: Barry Lumsden
600 Grant St – Pittsburgh, PA 15219 – (412) 415-1954 – View Map - Casto Insurance Agency
1900 Painters Run Rd – Pittsburgh, PA 15241 – (412) 257-4300 – View Map
Exclusive Agents
Agents that elect to be exclusive generally can only insure with one company and some examples include Allstate and State Farm. Exclusive agents cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents receive a lot of sales training in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes choose to use an exclusive agent partially due to the prominent brand name rather than low price.
Shown below are Pittsburgh exclusive insurance agents that can give you price quote information.
- Joy Capozzi – State Farm Insurance Agent
3111 Banksville Rd #207 – Pittsburgh, PA 15216 – (412) 344-3014 – View Map - Chad Gregorini – State Farm Insurance Agent
7 Brilliant Ave – Pittsburgh, PA 15215 – (412) 784-8855 – View Map - Carolyn Dorsey – State Farm Insurance Agent
5901 Baum Blvd – Pittsburgh, PA 15206 – (412) 361-8000 – View Map
Picking the best car insurance agent should depend on more than just a cheap price. Here are some questions to ask:
- Are there any extra charges for paying monthly?
- Is the agent CPCU or CIC certified?
- How long has the business existed?
- Are aftermarket or OEM parts used to repair vehicles?
- Who are their largest clients?
- If your car is in the repair shop, do you have coverage for a rental car?
- Does the agency have a good rating with the Better Business Bureau?
- Do they get paid more for recommending certain coverages?
If you get acceptable answers to any questions you have and an acceptable price quote, it’s a good possibility that you have found an insurance agent that is professional and can provide car insurance coverage.