2018 Ford F-250 Super Duty Car Insurance Quotes – 7 Savings Tips

No car owner likes buying car insurance, especially when they are aware that they could find lower prices if they just compared rates.

Popular companies such as Geico, 21st Century and Progressive all claim big savings, bombarding you with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s important to quote other rates before your next renewal since insurance prices trend upward over time. Just because you had the lowest price for F-250 Super Duty coverage on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because it’s time to teach you how to quote online to properly buy coverages and cut your premium.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. Finding the best rates is not rocket science. Although consumers do need to learn the way insurance companies sell insurance online and apply this information to your search.

Seven discounts for affordable auto insurance rates

Some insurers do not advertise every possible discount very clearly, so here is a list some of the more common as well as some of the hidden credits available to lower your premiums when you buy car insurance online.

  • Discounts for Cautious Drivers – Safe drivers may save up to 50% more for F-250 Super Duty coverage than less cautious drivers.
  • Distant Student Discount – Kids who live away from home at college and leave their car at home may qualify for this discount.
  • Save with a New Car – Buying a new car model can be considerably cheaper since newer models are generally safer.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and therefore earn up to a 10% discount.
  • Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks off the medical payments premium.
  • Good Student – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford could be rewarded with cheaper premium rates.

You can save money using discounts, but many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. So even though you would think you can get free auto insurance, company stockholders wouldn’t be very happy.

A few of the larger companies and some of the discounts can be found below.

  • Geico may offer discounts for emergency military deployment, multi-policy, daytime running lights, anti-theft, and anti-lock brakes.
  • MetLife policyholders can earn discounts including claim-free, accident-free, good driver, defensive driver, multi-policy, and good student.
  • Progressive may have discounts that include good student, continuous coverage, multi-policy, multi-vehicle, online signing, homeowner, and online quote discount.
  • Travelers offers premium reductions for early quote, good student, save driver, continuous insurance, and home ownership.
  • SAFECO has savings for safe driver, drive less, homeowner, anti-theft, and multi-car.
  • AAA has discounts for education and occupation, anti-theft, AAA membership discount, pay-in-full, and good student.

If you want low cost car insurance quotes, ask each insurance company which discounts you may be entitled to. Discounts may not be available in your area. To see a list of auto insurance companies with significant discounts, click this link.

You may need specialized auto insurance coverage

When it comes to choosing adequate coverage, there is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • What are the best liability limits?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered if I drive in a foreign country?
  • When do I need to add a new car to my policy?
  • How can I force my company to pay a claim?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

What auto insurance coverages do you need?

Understanding the coverages of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages available from auto insurance companies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Ford F-250 Super Duty.

Because many people 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 important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

This will pay to fix damage to your F-250 Super Duty caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills like rehabilitation expenses, prosthetic devices, nursing services, ambulance fees and funeral costs. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, a broken windshield and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.


This will cover damages or injuries you inflict on a person or their property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, loss of income, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

More comparisons equals lower rates

You just read a lot of tips how to reduce 2018 Ford F-250 Super Duty insurance rates online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding inexpensive car insurance. Consumers may even find the most savings is with a smaller regional carrier. Some small companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm or Progressive.

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, someone sacrificed liability coverage limits and found out when filing a claim that it was a big error on their part. The aim is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

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