Cheap 1999 Ford F-250 Super Duty Car Insurance Rates

Trying to find better insurance rates for your Ford F-250 Super Duty? Scraping up a payment for expensive Ford F-250 Super Duty insurance can consume your savings and make it hard to pay other bills. Comparing rates annually can be a smart way to lower your bills every month.

There are many insurance companies to insure vehicles with, and although it’s nice to be able to choose, lots of choices makes it harder to find the lowest cost provider.

It’s a good idea to shop coverage around quite often since rates are adjusted regularly by insurance companies. Just because you found the lowest rate for F-250 Super Duty coverage six months ago there may be better deals available now. Ignore everything you know about insurance because you’re about to learn one of the best ways to remove unneeded coverages and save money.

How to buy car insurance online

Reducing your 1999 Ford F-250 Super Duty insurance rates is a fairly straight forward process. You just have to spend a little time to compare rate quotes from different insurance companies. Shoppers can get rates in a couple of different ways.

  1. The fastest and easiest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form eliminates the need for boring form submissions for each company. Completing one form gets coverage cost estimates instantly.
  2. A less efficient way to compare prices is to manually visit the website for each individual company and fill out a new quote form. For instance, let’s say you want to get rates from Allstate, Progressive and Liberty Mutual. You would have to spend time on each company’s site to input your insurance information, which can get rather old. For a list of companies in your area, click here.
  3. The final way to get comparison rates is to spend your day driving to each insurance agency near you. Quoting and buying insurance online eliminates the need for an insurance agent unless you have a need for the professional advice of an agent trained in personal lines coverage. It is possible to comparison shop your insurance online but buy from a local insurance agent.

It doesn’t matter which method you choose, just try to use apples-to-apples quote information for each comparison quote. If your comparisons have different deductibles then you won’t be able to determine the best price for your Ford F-250 Super Duty.

Save a ton by receiving discounts

Some insurers do not advertise all available discounts in an easy-to-find place, so below is a list some of the more common in addition to some of the lesser obvious insurance savings.

  • Memberships – Having an affiliation with a civic or occupational organization could trigger savings on your next insurance statement.
  • Defensive Driver Discount – Completing a course in driver safety is a good idea and can lower rates and also improve your driving technique.
  • Telematics Data Discounts – Policyholders that allow their insurance company to track where and when they drive by using a telematics device such as Progressive’s Snapshot could save a few bucks if they are good drivers.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
  • Student Discounts – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Early Switch Discount – A few larger companies allow discounts for signing up early. You may see this discount when you get insurance coverage quotes online.
  • Own a Home and Save – Being a homeowner can earn you a little savings since home ownership requires a higher level of personal finance.
  • Pay Early and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Active Service Discounts – Having a deployed family member may lower your premium rates slightly.
  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems are much safer to drive and earn discounts up to 10%.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Most cut specific coverage prices like medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, you’re out of luck.

Companies and some of the premium reductions they offer are outlined below.

  • State Farm has discounts for good student, student away at school, Drive Safe & Save, driver’s education, and safe vehicle.
  • American Family discounts include Steer into Savings, multi-vehicle, good driver, good student, and bundled insurance.
  • AAA offers discounts including education and occupation, multi-car, good student, multi-policy, good driver, and AAA membership discount.
  • Geico has savings for multi-policy, membership and employees, daytime running lights, multi-vehicle, defensive driver, and anti-lock brakes.
  • Mercury Insurance includes discounts for multi-car, type of vehicle, accident-free, good student, and good driver.
  • Farmers Insurance offers discounts for switch companies, bundle discounts, youthful driver, electronic funds transfer, distant student, and alternative fuel.
  • Progressive may have discounts that include continuous coverage, homeowner, multi-policy, online signing, good student, multi-vehicle, and online quote discount.

If you need the cheapest insurance coverage quotes, ask every prospective company to apply every possible discount. Savings might not be offered on policies in your area. For a list of insurers with significant discounts, click this link.

Your auto insurance coverage should be tailored to you

When buying adequate coverage, there is no “best” method to buy coverage. Every situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • When should my teen driver be added to my policy?
  • When should I drop full coverage on my 1999 Ford F-250 Super Duty?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Why am I required to buy high-risk coverage?
  • Can my babysitter drive my car?
  • Does coverage extend to Mexico or Canada?
  • What are the best liability limits?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

What determines Ford F-250 Super Duty insurance rates?

Part of the insurance buying process is learning some of the factors that play a part in calculating the price you pay for insurance. If you have some idea of what controls the rates you pay, this helps enable you to make changes that can help you get lower premium levels. Many factors are used when you get your auto insurance bill. Most are fairly basic such as traffic violations, although some other factors are more transparent like your vehicle usage or your vehicle rating.

The following are most of the major factors used by insurance companies to determine rates.

  • Where you call home plays a part – Living in less populated areas of the country can save you money when buying insurance. People in densly populated areas tend to have more aggressive driving styles and more severe claims. Less people living in that area means reduced accidents.
  • Single drivers take more risk – Being married helps lower the price on your insurance policy. Having a spouse generally demonstrates drivers are more responsible and insurance companies like that married drivers tend to file fewer claims.
  • Responsible credit equals lower premiums – Your credit history will be a significant factor in determining what you pay for insurance. Therefore, if your credit is not that good, you may save money insuring your 1999 Ford F-250 Super Duty by repairing your credit. Insureds that have very high credit ratings tend to file fewer claims than drivers who have lower ratings.
  • Careless drivers pay higher premiums – Careful drivers receive lower rates as compared to those with violations. Even one chargable violation may cause rates to rise forty percent or more. Drivers unfortunate enough to have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to complete a SR-22 with their state DMV in order to drive a vehicle legally.
  • Raising comp and collision deductibles lowers rates – Comprehensive and collision coverage deductibles are the amount of money you are required to spend if you file a covered claim. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered would be collision with another vehicle, damage caused by hail, or theft of your vehicle. The more damage repair cost you have to pay, the less money you will pay for insurance for F-250 Super Duty coverage.
  • You may save more by consolidating policies – Some insurance companies will award a discount to clients who buy several policies from them, otherwise known as a multi-policy discount. This can amount to 10 percent or more. If you currently are using one company, it’s always a smart idea to compare other insurance prices to guarantee you are still saving the most. It’s possible to still find better rates by splitting coverages up.

Buyer beware of auto insurance advertising tricks

Drivers can’t ignore all the ads that promise big savings for switching from companies such as Progressive, Geico, Allstate and State Farm. All the companies tend to make the same promise that drivers can save some big amount if you switch your policy.

How does every company charge less that you’re paying now? It’s all in the wording.

Different companies have a certain “appetite” for the type of customer that makes them money. For example, this type of risk profile could possibly be over the age of 40, has no driving citations, and drives newer vehicles. Someone that hits that “sweet spot” will get low rates and is almost guaranteed to cut their rates substantially.

People who don’t qualify for these criteria will probably be forced to pay higher premium rates which translates to the customer not buying. The trick companies use is to say “people that switch” but not “everyone who gets a quote” save the amount stated. That’s the way insurance companies can make claims that they all have the best premium rates.

Because of these techniques, you absolutely need to compare free insurance coverage quotes often. It’s just too difficult to predict the company that will have the lowest rates.

Specifics of your insurance policy

Learning about specific coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like legal defense fees, repair bills for other people’s vehicles, structural damage and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like prosthetic devices, EMT expenses, chiropractic care and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision coverage covers damage to your F-250 Super Duty from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, hail damage and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford F-250 Super Duty.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these limits are identical to your policy’s liability coverage.

Don’t be a big spender

In this article, we presented a lot of tips how to lower your 1999 Ford F-250 Super Duty insurance car insurance rates. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your premium rates. You may even discover the lowest priced insurance comes from some of the lesser-known companies. These companies often have lower premium rates on specific markets compared to the large companies like State Farm, Geico and Nationwide.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. Too many times, an accident victim reduced liability coverage limits only to find out that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

Cost effective 1999 Ford F-250 Super Duty insurance can be purchased on the web as well as from insurance agents, so you should compare both to have the best chance of lowering rates. A few companies may not offer rate quotes online and usually these regional insurance providers provide coverage only through local independent agencies.

More detailed insurance information is located in the articles below: