Compare 2015 Ford F-250 Super Duty Car Insurance Rates

Looking for cheaper car insurance rates for your Ford F-250 Super Duty? If you are a novice to online car insurance shopping, you can be overwhelmed by the sheer number of online car insurance companies and websites selling insurance.

Choosing the best insurance company for you is not that difficult. Essentially every vehicle owner who shops for auto insurance will more than likely be able to find lower rates. Nevertheless, car owners do need to know how the larger insurance companies sell online because it can help you find the best coverage.

Free Quotes for Car Insurance

All major car insurance companies quote prices online. Getting online rates is pretty painless as you simply type in the amount of coverage you want as detailed in the form. After the form is submitted, their rating system requests reports for credit and driving violations and provides a quote based on many factors.

This helps simplify price comparisons, but having to visit many different websites and complete many quote forms is not the best way to spend an afternoon. But it is imperative to get many rate quotes in order to find lower prices.

The easy way to compare rates

An easier way to locate the lowest prices requires only one form to return rates from several companies at one time. It’s a real time-saver, requires much less work on your part, and makes online shopping much more enjoyable. Immediately after submitting the form, your coverage is rated and you can choose your choice of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

In order to find out how much you’re overpaying now, click here and enter your information. If you have your current policy handy, we recommend you input your coverages identical to your current policy. Using the same limits helps guarantee you are getting comparison quotes for similar insurance coverage.

Buyer beware of auto insurance advertising tricks

Auto insurance companies such as State Farm, Geico and Progressive continually stream ads in print and on television. They all seem to make the same claim about savings after switching your policy. How do they all make the same claim?

Insurance companies have a certain “appetite” for the type of customer they prefer to insure. For example, a driver they prefer could be between 25 and 40, a clean driving record, and has a short commute. A customer who meets those qualifications gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t measure up to these standards will be charged more money which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save money. This is how insurance companies can claim big savings. That is why drivers must compare as many rates as you can. You cannot predict which company will have the lowest Ford F-250 Super Duty insurance rates.

Your Ford F-250 Super Duty insurance rate is a complex equation

Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that can help you get better car insurance rates.

  • Lower rates come with age – Teenage drivers have a tendency to be careless and easily distracted when driving so they pay higher car insurance rates. Parents adding a teenage driver onto a policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and get fewer tickets.
  • Careful drivers pay lower rates – Even a single ticket can boost insurance rates by twenty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with the DMV in their state in order to keep their license.
  • Add-on coverages can add up – There are many add-on coverages you can purchase on your F-250 Super Duty policy. Coverages like personal injury protection, better glass coverage and motor club memberships are some examples. These coverages may sound good when you first buy your policy, but if you don’t need them get rid of them and save.
  • Do you know your deductibles? – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. A few examples of covered claims would be running into the backend of another car, damage from fire, and windstorm damage. Deductibles for physical damage are how much you are required to spend if you file a covered claim. The more expense you have to pay, the less your car insurance will be on F-250 Super Duty coverage.
  • Theft deterrents lower rates – Choosing a vehicle with an alarm system can get you a discount on your car insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Don’t skimp on liability – The liability section of your policy provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Men pay higher rates – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both have accidents at a similar rate, but men cause more damage. Men also get more serious tickets such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high car insurance rates.
  • Your car insurance rates can be influenced by your job – Jobs such as real estate brokers, architects and stock brokers tend to pay the highest rates because of stressful work requirements and long work hours. On the other hand, occupations such as pilots, students and the unemployed have the lowest average rates on F-250 Super Duty coverage.

Discounts are basically free money

Auto insurance companies don’t list every available discount very clearly, so we break down some of the more common and the more hidden ways to save on car insurance.

  • Homeowners Discount – Owning a home can save you money due to the fact that maintaining a home shows financial diligence.
  • Defensive Driver – Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a discount up to 10% on F-250 Super Duty coverage.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Sign Early and Save – A few companies offer discounts for switching to them before your current policy expires. It can save you around 10%.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford could qualify for lower rates on the low mileage vehicles.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. Just because you may think you can get free auto insurance, companies don’t profit that way.

A partial list of companies that may offer these discounts include:

Double check with each company which discounts you may be entitled to. Some discounts might not apply everywhere.

Which insurance is the “right” coverage?

When buying proper insurance coverage for your vehicles, there is no one size fits all plan. Each situation is unique.

These are some specific questions could help you determine if your insurance needs will benefit from professional help.

  • Can I rent a car in Mexico?
  • Can I drive in Mexico and have coverage?
  • When does my teenage driver need to be added to my policy?
  • What are the financial responsibility laws in my state?
  • Am I covered when driving on a suspended license?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Information about specific coverages

Learning about specific coverages of insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage

This coverage pays for damage to your F-250 Super Duty resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, crashing into a ditch, driving through your garage door, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, a broken windshield and damage from getting keyed. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on people or other property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as bail bonds, pain and suffering, structural damage, loss of income and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills for things like prosthetic devices, chiropractic care, X-ray expenses, nursing services and ambulance fees. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

At the end of the day…

Consumers leave their current company for a variety of reasons including denial of a claim, extreme rates for teen drivers, an unsatisfactory settlement offer and even policy non-renewal. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.

When shopping online for insurance coverage, never skimp on critical coverages to save a buck or two. In too many instances, an insured cut physical damage coverage and discovered at claim time they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford.

Affordable 2015 Ford F-250 Super Duty insurance can be found both online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

Additional information is available at the links below