1996 Ford F-250 Car Insurance Quotes

Having to pay for pricey car insurance can drain your budget and put the squeeze on your family’s finances. Comparing rates annually can save money and help to lower your monthly bill.

Due to the fact that there are so many choices of insurance companies, it is hard for the average consumer to choose the lowest cost insurer.

How to compare free car insurance price quotes

Effectively comparing car insurance prices can be exhausting if you aren’t aware of the most efficient way. You could waste time talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many insurance companies belong to a marketplace that enables customers to enter their policy data once, and at least one company then returns a price quote based on that data. This system prevents you from having to do quote forms for each company.

To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to using this type of system is buyers cannot specifically choose which carriers to get quotes from. If you wish to select from a list of companies to compare rates, we have a page of car insurance companies in your area. Click here to view list.

The method you choose is up to you, but do your best to use the same coverage limits and deductibles on every price quote you get. If you use differing limits you can’t possibly truly determine the lowest rate. Having just a slight variation in coverage limits could mean much higher rates. Just keep in mind that comparing more rates from different companies will enable you to find the best offered rates.

Verify you’re receiving every discount

Companies that sell car insurance do not list every discount very clearly, so the following list contains both the well known as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online.

• ABS Braking Discount – Cars and trucks equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
• Homeowners Savings – Simply owning a home can earn you a little savings because maintaining a house is proof that your finances are in order.
• Save with More Vehicles Insured – Purchasing coverage when you have all your vehicles with the same car insurance company could earn a price break for each car.
• Good Driver Discounts – Insureds who avoid accidents can save as much as half off their rates on F-250 insurance than their less cautious counterparts.
• Distant College Student Discount – Kids who live away from home at college and leave their car at home can be insured at a reduced rate.
• Early Payment Discounts – If you can afford to pay the entire bill instead of paying each month you may have a lower total premium amount.
• Active Military Service – Being deployed with a military unit may lower your premium rates slightly.
• Drive Less and Save – Driving less could be rewarded with slightly better car insurancerates than normal.
• Good Students Pay Less – Maintaining excellent grades may save as much as 25% on a insurance coverage quote. Most companies allow this discount up to age 25.
• Bundled Policy Discount – If you have multiple policies with the same company they may give you a discount of nearly 15% which can help you find affordable insurance coverage.

Please keep in mind that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. Despite the appearance that adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will bring down your policy premium.

Popular car insurance companies and some of their more popular discounts are included below.

• Progressive includes discounts for multi-policy, homeowner, multi-vehicle, continuous coverage, and good student.
• Farmers Insurance may have discounts that include good student, youthful driver, mature driver, bundle discounts, and pay in full.
• Farm Bureau has savings for driver training, multi-policy, youthful driver, renewal discount, multi-vehicle, safe driver, and good student.
• State Farm may include discounts for good student, defensive driving training, passive restraint, driver’s education, Drive Safe & Save, and Steer Clear safe driver discount.
• Geico policyholders can earn discounts including daytime running lights, anti-lock brakes, multi-policy, membership and employees, federal employee, multi-vehicle, and defensive driver.
• SAFECO offers premium reductions for homeowner, teen safe driver, bundle discounts, teen safety rewards, and safe driver.
• Liberty Mutual offers discounts including newly retired, multi-car, preferred payment discount, new move discount, and multi-policy.

Before purchasing a policy, check with each company the best way to save money. Discounts might not be available to policyholders in your area. For a list of companies who offer discounts, click here.

When should I discuss my situation with an agent?

When choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight if your situation might need professional guidance.

• What exactly is covered by my policy?
• Do I benefit by insuring my home with the same company?
• Are rock chip repairs covered?
• How can I get high-risk coverage after a DUI?
• Am I covered if my car is in a flood?
• Am I getting all the discounts available?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Specifics of your auto insurance policy

Understanding the coverages of a auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average auto insurance policy.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, vandalism, damage from getting keyed, damage from flooding and rock chips in glass. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford F-250.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability coverage

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims such as funeral expenses, attorney fees, medical services and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for doctor visits, dental work and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay