2008 Ford F-250 Super Duty Insurance Rates – 8 Tips for Best Quotes

Wish you could get a refund on high-priced insurance coverage? You’re preaching to the choir because you are not the only one feeling buyer’s remorse. Popular companies such as State Farm, Farmers Insurance, Geico and Allstate continually hit you with ad campaigns and it can be hard to see through the deception and find the best price available.

You should take the time to price shop coverage at least once a year since insurance prices tend to go up over time. Even if you got the best price on F-250 Super Duty insurance at your last renewal you can probably find a lower rate today. Block out anything you think you know about insurance coverage because you’re going to get a crash course in the fastest and easiest way to find better rates and still maintain coverage.

Do you qualify for discount insurance?

Some insurance providers don’t always list the entire discount list very well, so here is a list a few of the more common and the harder-to-find credits available to bring down your rates. If you are not receiving all the discounts available, you are throwing money away.

  • Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles with the same company qualifies for this discount.
  • Drivers Ed for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Switch and Save Discount – A few larger companies allow discounts for buying a policy prior to your current policy expiring. Ten percent is about the average savings.
  • Pay Early and Save – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.
  • Savings for New Vehicles – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Accident Free – Insureds who avoid accidents and claims have much lower rates as opposed to drivers with a long claim history.

As a sidenote, many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, you aren’t that lucky.

A few popular companies and a partial list of their discounts can be found below.

  • State Farm has discounts for multiple policy, driver’s education, student away at school, Drive Safe & Save, and good driver.
  • Farmers Insurance offers premium reductions for homeowner, early shopping, business and professional, good student, teen driver, and multi-car.
  • Progressive may offer discounts for continuous coverage, online quote discount, online signing, multi-policy, multi-vehicle, and homeowner.
  • Geico may include discounts for air bags, good student, military active duty, federal employee, and five-year accident-free.
  • Auto-Owners Insurance includes discounts for air bags, good student, group or association, company car, anti-lock brakes, and anti-theft.
  • The Hartford policyholders can earn discounts including defensive driver, good student, driver training, bundle, air bag, vehicle fuel type, and anti-theft.
  • Farm Bureau offers discounts for safe driver, multi-vehicle, renewal discount, good student, youthful driver, driver training, and 55 and retired.
  • USAA may have discounts that include vehicle storage, new vehicle, multi-vehicle, safe driver, and driver training.

When getting a coverage quote, ask each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not apply in every state. To choose insurers that offer the discounts shown above, follow this link.

What insurance coverages do I need?

When it comes to choosing adequate coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can aid in determining if you could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Does having multiple vehicles earn me a discount?
  • Will my rates increase for filing one claim?
  • What is PIP insurance?
  • I don’t drive much so do I pay less?
  • Can I rent a car in Mexico?
  • Do I need medical payments coverage since I have good health insurance?
  • I have a DUI can I still get coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to 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. It is quick, free and can provide invaluable advice.

Coverage specifics

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Collision coverage

Collision insurance pays for damage to your F-250 Super Duty resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability auto insurance

This provides protection from injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like bail bonds, legal defense fees, loss of income, medical expenses and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses for things like X-ray expenses, nursing services, prosthetic devices and chiropractic care. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family 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 a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from flooding, hail damage, damage from getting keyed and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In any little way, save everyday

Throughout this article, we presented a lot of tips how to save on 2008 Ford F-250 Super Duty insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from some of the lesser-known companies. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. In too many instances, an insured cut physical damage coverage and learned later they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.

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