1998 Ford F-250 Insurance Rates

Pretty sure you bought high-priced car insurance? Don’t sweat it because there are many drivers thinking the same thing.

Lots of insurers contend for your insurance dollar, so it’s not easy to compare every insurer and get the definite lowest cost out there.

It’s smart to compare prices occasionally because prices change regularly. Just because you found the best deal for F-250 coverage last year there is a good chance you can find better rate quotes now. Block out anything you think you know about car insurance because you’re about to learn how to use online quotes to reduce your cost while increasing coverage.

How you can control Ford F-250 insurance premiums

An important part of buying insurance is that you know some of the elements that come into play when calculating auto insurance rates. If you have a feel for what determines premiums, this enables you to make decisions that could result in big savings. Many factors are considered when you get your auto insurance bill. Most are fairly basic like an MVR report, although others are less apparent such as your credit history and annual miles driven.

  • Females tend to cost less – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes are responsible for fender benders at about the same rate, but males get into accidents with more damage. Not only that, but men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 tend to get in the most accidents and therefore pay the highest rates.
  • Deter car thieves – Choosing to buy a car that has a built-in theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft and help lower rates.
  • Keep rates low by being claim-free – If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies award cheaper rates to drivers who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for the large, substantial claims.
  • Limits of liability insurance – A critical coverage on your policy, liability insurance provides coverage if you are found to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Your address can impact price – Choosing to live in a small town has definite advantages when insuring your vehicles. Fewer drivers on the road means reduced accidents in addition to lower liability claims Drivers in populated areas have more traffic problems and more severe claims. More time on the road can result in more accidents.
  • lapses raise prices – Allowing your coverage to lapse will be a guaranteed way to increase your renewal premiums. In addition to paying higher premiums, being ticketed for driving with no insurance might get you a revoked license or a big fine.
  • Credit rating impacts premium rates – Having a good credit score can be a huge factor in determining what you pay. Insureds that have very high credit ratings tend to be better risks to insure than those with bad credit. So if your credit rating is low, you could be paying less to insure your 1998 Ford F-250 by improving your credit score.

How to find the cheapest insurance coverage

To find low cost insurance coverage quotes, there are several ways to get quotes from all the different companies. One of the best ways to lower the rate you pay for 1998 Ford F-250 insurance consists of shopping online. It’s really quite simple and can be done in several different ways.

  1. One of the best ways to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This method saves time by eliminating a different quote to each individual insurance coverage company. One simple form gets coverage cost estimates instantly.
  2. Another way to compare prices requires a visit to each company’s website to complete their respective quote request forms. For instance, let’s assume you want to compare prices for USAA, Liberty Mutual and Allstate. In order to get each rate, you would have to spend time going to each site individually to enter the same coverage data repeatedly, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.
  3. If you have time to kill, the last way to compare price estimates is driving to local insurance agencies. The ability to quote online eliminates the middleman unless you’re the type of person who wants the peace of mind that only a licensed agent can provide. Some companies do allow you to compare the best prices online and get advice from an agent in your area.

It’s up to you how you get prices quotes, just be certain you are entering exactly the same coverage limits with each company. If each company quotes different values for each quote you can’t possibly determine the lowest rate for your Ford F-250. Having just a slight variation in coverage limits may result in large price differences. Keep in mind that having more price comparisons will improve the odds of getting a lower rate.

Save $452 a year! What?

Big name companies like Allstate, Geico and Progressive continually stream television and radio advertisements. All the ads seem to make the promise that you’ll save big just by switching your policy. It sounds good, but how can they all charge you a lower premium? It’s all in the words they use.

Most companies provide the lowest rates for the driver that earns them the highest profit. One example of a profitable customer could be a mature driver, carries full coverage, and the vehicle is rated for pleasure use. A customer getting a price quote who matches those parameters may get the lowest premium rates and will most likely save some money.

Potential insureds who are not a match for these stringent criteria will see a more expensive rate with the end result being the customer not buying. The trick companies use is to say “people who switch” not “everyone who quotes” save that much money. That’s the way companies can truthfully make those statements.

This illustrates why you really should do a rate comparison at every renewal. It is just not possible to predict the company that will have the lowest rate quotes.

Don’t overlook these auto insurance discounts

Companies offering auto insurance do not list the complete list of policy discounts in an easy-to-find place, so below is a list a few of the more common as well as some of the hidden credits that you can use to lower your rates.

  • Accident Free – Drivers who don’t have accidents pay much less in comparison to drivers with a long claim history.
  • Telematics Data Discounts – Drivers who elect to allow their insurance company to track their driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they show good driving skills.
  • Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
  • Good Student – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could earn a discount of approximately 10% to 15%.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.
  • Driver Safety – Taking a course teaching defensive driver skills could earn you a small percentage discount and also improve your driving technique.
  • Federal Employees – Active or retired federal employment may reduce rates when you quote insurance coverage for F-250 coverage with certain companies.

You can save money using discounts, but some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, that’s just not realistic.

Companies who may offer most of the discounts above possibly include:

If you want cheap insurance coverage quotes, ask every company which discounts they offer. Some discounts listed above might not apply everywhere.

When to get professional advice

When choosing the right insurance coverage, there is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help you determine if your situation might need professional guidance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Do I have any recourse if my insurance company denies a claim?
  • Is pleasure use cheaper than using my 1998 Ford F-250 to commute?
  • Should I bundle my homeowners policy with my auto?
  • Should I buy additional glass protection?
  • Do I need rental car coverage?
  • Does liability extend to a camper or trailer?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Auto insurance coverages 101

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from auto insurance companies.

Auto liability – Liability insurance provides protection from damage that occurs to a person or their property. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as court costs, legal defense fees, loss of income, medical services and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance – Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, X-ray expenses, surgery and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are set the same as your liablity limits.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, hail damage, vandalism and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This will pay to fix damage to your F-250 caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sideswiping another vehicle, crashing into a ditch, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Save your cold hard cash

We covered some good ideas how you can save on 1998 Ford F-250 insurance. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with the least-expected company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

When searching for the cheapest insurance coverage quotes, never skimp on coverage in order to save money. In many instances, someone sacrificed comprehensive coverage or liability limits only to regret that it was a big error on their part. The ultimate goal is to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

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