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Ford F-250 Super Duty Insurance Rates

There are many options when attempting to insure your Ford vehicle. You can either contact your neighborhood insurance agent or get quotes online to check prices from lots of different providers. Finding cheaper auto insurance through online providers saves time, is easy to do and there is a good chance you will probably save money.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online quotes. But don't be discouraged because there is an easy way to compare rates. Getting cheaper insurance rates is surprisingly easy. The only requirement is to invest a few minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

Insurance rates on a Ford F-250 Super Duty can vary widely and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Young drivers cost more
  • Having a spouse can save money
  • Extra coverages like towing and rental
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you own your home

One last important factor which can affect the rate you pay on your Ford is the year of manufacture. New vehicles have a higher actual cash value so the costs to repair can inflate annual premiums. Conversely, more recent Ford vehicles may have options such as active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control which can give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your F-250 Super Duty below.

Liability auto insurance

This will cover damage that occurs to people or other property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase higher limits if possible.

Auto collision coverage

This will pay to fix damage to your Ford resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your F-250 Super Duty can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. 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. So UM/UIM coverage should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Ford F-250 Super Duty Insurance Rates?