Best Quotes for Ford F-350 Insurance in San Jose

Insurance rates Ford F-350 in San JoseUnbelievable but true, most car insurance customers kept their policy with the same company for four years or more, and nearly half have never even compared rates from other companies. San Jose drivers could save $469 every year just by comparing rates, but most undervalue the big savings they would realize if they changed companies.

If you want to find the absolute lowest rates, then the best way to find affordable quotes for Ford F-350 insurance is to compare prices regularly from different companies who provide car insurance in San Jose. You can compare rates by following these guidelines.

The key thing to remember is to use similar deductibles and liability limits on each price quote and and to get prices from as many companies as you can. This ensures a fair price comparison and and a good selection of different prices.

We hope to teach you a little about how to effectively get price quotes and how to save the most money. If you are already insured, you should be able to lower your rates using the techniques presented in this article. Drivers just need to know the most efficient way to compare insurance rates from multiple carriers.

Best Ford F-350 insurance prices in California

The companies shown below can provide free rate quotes in San Jose, CA. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.

Coverage information

The table displayed below showcases a range of insurance premium costs for Ford F-350 models. Having a better understanding of how insurance policy premiums are calculated is important for you to make decisions on which coverage to buy.


Ford F-350 Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-350 XL Crew Cab 4WD $370 $792 $696 $42 $208 $2,108 $176
F-350 XL Super Cab 4WD $370 $792 $696 $42 $208 $2,108 $176
F-350 XL Super Cab 2WD $412 $672 $464 $28 $138 $1,714 $143
F-350 Super Cab Cabela Package 4WD $412 $792 $696 $42 $208 $2,150 $179
F-350 Super Cab Cabela Package 2WD $412 $792 $464 $28 $138 $1,834 $153
F-350 XL Crew Cab 2WD $412 $792 $464 $28 $138 $1,834 $153
F-350 Crew Cab Harley Edition 4WD $412 $792 $696 $42 $208 $2,150 $179
F-350 Super Cab Harley Edition 4WD $412 $792 $696 $42 $208 $2,150 $179
F-350 Crew Cab King Ranch 4WD $412 $792 $696 $42 $208 $2,150 $179
F-350 XLT Crew Cab 4WD $412 $792 $696 $42 $208 $2,150 $179
F-350 XL Super Cab Turbo Diesel 4WD $412 $792 $696 $42 $208 $2,150 $179
F-350 XLT Super Cab 4WD $412 $792 $696 $42 $208 $2,150 $179
F-350 XLT Super Cab 2WD $412 $792 $464 $28 $138 $1,834 $153
F-350 XL Crew Cab Cabela Package 2WD $412 $792 $464 $28 $138 $1,834 $153
F-350 XL Crew Cab King Ranch 2WD $412 $792 $464 $28 $138 $1,834 $153
F-350 Crew Cab Lariat 4WD $412 $912 $696 $42 $208 $2,270 $189
F-350 Crew Cab King Ranch Turbo Diesel 4WD $412 $912 $696 $42 $208 $2,270 $189
F-350 Crew Cab Cabela Package 4WD $412 $912 $696 $42 $208 $2,270 $189
F-350 XL Crew Cab Turbo Diesel 4WD $412 $912 $696 $42 $208 $2,270 $189
F-350 Super Cab Lariat 4WD $412 $912 $696 $42 $208 $2,270 $189
F-350 Super Cab Cabela Turbo Diesel 4WD $412 $912 $696 $42 $208 $2,270 $189
F-350 XLT Super Cab Turbo Diesel 4WD $412 $912 $696 $42 $208 $2,270 $189
F-350 Super Cab Lariat 2WD $454 $792 $464 $28 $138 $1,876 $156
F-350 XL Super Cab Turbo Diesel 2WD $454 $792 $464 $28 $138 $1,876 $156
F-350 Super Cab Harley Edition 2WD $454 $792 $464 $28 $138 $1,876 $156
F-350 XLT Crew Cab 2WD $454 $792 $464 $28 $138 $1,876 $156
F-350 XLT Crew Cab Lariat 2WD $454 $792 $464 $28 $138 $1,876 $156
F-350 XLT Crew Cab Harley Edition 2WD $454 $792 $464 $28 $138 $1,876 $156
F-350 XL Crew Cab Turbo Diesel 2WD $454 $792 $464 $28 $138 $1,876 $156
F-350 Super Cab Lariat Turbo Diesel 4WD $454 $912 $696 $42 $208 $2,312 $193
F-350 XLT Crew Cab Turbo Diesel 4WD $454 $912 $696 $42 $208 $2,312 $193
F-350 Crew Cab Harley Turbo Diesel 4WD $454 $912 $696 $42 $208 $2,312 $193
F-350 Super Cab Harley Turbo Diesel 4WD $454 $912 $696 $42 $208 $2,312 $193
F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $454 $912 $464 $28 $138 $1,996 $166
F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $454 $912 $464 $28 $138 $1,996 $166
F-350 Super Cab Harley Turbo Diesel 2WD $454 $912 $464 $28 $138 $1,996 $166
F-350 Super Cab Cabela Turbo Diesel 2WD $454 $912 $464 $28 $138 $1,996 $166
F-350 Super Cab XLT Turbo Diesel 2WD $454 $912 $464 $28 $138 $1,996 $166
F-350 Crew Cab Lariat Turbo Diesel 4WD $454 $912 $696 $42 $208 $2,312 $193
F-350 Crew Cab Cabela Turbo Diesel 4WD $454 $912 $696 $42 $208 $2,312 $193
F-350 Crew Cab Lariat Turbo Diesel 2WD $454 $912 $464 $28 $138 $1,996 $166
F-350 Super Cab Lariat Turbo Diesel 2WD $454 $912 $464 $28 $138 $1,996 $166
Get Your Own Custom Quote Go

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in your specific San Jose location which can lower or raise prices noticeably.

Cost of full coverage

The information below illustrates the comparison of Ford F-350 car insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no accidents, no driving violations, $100 deductibles, single marital status, and no discounts are applied to the premium.

Should you buy full coverage or liability only?

There is no specific rule of when to exclude physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s assume your Ford F-350 settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying the physical damage deductible. If you are paying in excess of $500 a year for full coverage, then you might want to think about dropping full coverage.

There are some circumstances where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage.

Discounts can help lower premiums on Ford F-350 insurance in San Jose

Properly insuring your vehicles can get expensive, but you may be missing some discounts that can help lower your rates. Some discounts apply automatically at the time of quoting, but a few must be requested specifically before you get the savings.

It’s important to note that some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, that’s just not realistic.

The diagram below illustrates the comparison of Ford F-350 insurance premiums with and without discounts applied. The price estimates are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, claim-free, safe-driver, and marriage discounts applied.

A few popular companies and a partial list of their discounts are included below.

Before you buy a policy, ask all the companies how you can save money. Some credits might not apply in San Jose.

When should I discuss my situation with an agent?

Keep in mind that when it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that could help you determine whether you could use an agent’s help.

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Can’t I get rate quotes from local San Jose insurance agencies?

A small number of people would rather buy from a licensed agent and that can be a great decision Professional agents are very good at helping people manage risk and help submit paperwork. A nice benefit of getting online price quotes is that you can find the lowest rates but also keep your business local. Supporting local insurance agencies is definitely important in San Jose.

Insurance agents in San JoseTo find an agent, once you fill out this simple form, your insurance data gets sent to insurance agents in San Jose who will give you bids for your car insurance coverage. There is no need to search for any insurance agencies because prices are sent immediately to you. In the event you want to compare prices from one company in particular, just jump over to their website and fill out their quote form.

Types of auto insurance agents in San Jose

If you need to find a local San Jose insurance agent, you need to know there are two different types of agencies to choose from. Car insurance agents are either exclusive or independent (non-exclusive). Both types of agents can sell and service car insurance coverage, but it is important to understand how they are different because it may have an impact on the kind of agent you use.

Independent Insurance Agents

Independent agencies are appointed with more than one company and that enables them to quote your coverage through lots of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally and you don’t have to switch agencies.

If you need lower rates, it’s a good idea to get insurance quotes from multiple independent agents to have the most options to choose from.

Below is a partial list of independent insurance agents in San Jose who can help you get free car insurance quotes.

LNA Insurance Agency Inc
999 Story RdSan Jose, CA 95122(408) 280-5815View Map


1639 Meridian Ave aSan Jose, CA 95125(408) 286-4467View Map

Cya Insurance Agency From Sn
1271 Story Rd #50San Jose, CA 95122(408) 971-4172View Map

More San Jose agents

Exclusive Agencies

Exclusive agencies work for only one company and examples are State Farm or Allstate. Exclusive agents cannot compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are highly trained on their products and sales techniques which helps offset the inability to provide other markets.

The following is a short list of exclusive agents in San Jose who can help you get rate quotes.


1153 Redmond Ave Ste CSan Jose, CA 95120(408) 927-7526View Map


1361 S Winchester Blvd #107San Jose, CA 95128(408) 370-2008View Map


1080 Minnesota Ave # 4San Jose, CA 95125(408) 294-4348View Map

More San Jose agents

Finding a good insurance agency requires you to look at more than just a cheap price quote. Here are some questions you might want to ask.

In Summary

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. There have been many cases where someone dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

Some insurance companies may not provide online price quotes and usually these regional carriers only sell coverage through independent insurance agents. Lower-priced Ford F-350 insurance in San Jose is available both online as well as from independent agents in San Jose, and you should compare price quotes from both in order to have the best chance of saving money.

People change insurance companies for any number of reasons including extreme rates for teen drivers, policy non-renewal, delays in paying claims and being labeled a high risk driver. It doesn’t matter why you want to switch finding a great new company can be easy and end up saving you some money.

Much more information about auto insurance in California is available at these links: