1993 Ford F-250 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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Looking for better car insurance rates? Shoppers have lots of choices when shopping for affordable Ford F-250 insurance. They can either waste time calling around trying to get quotes or save time using the internet to make rate comparisons.

There is a right way and a wrong way to compare car insurance rates and we’ll show you the proper way to get price quotes for a new or used Ford and locate the best price possible.

It’s a good habit to price shop coverage on a regular basis since insurance rates are variable and change quite frequently. Just because you found the best rates for F-250 insurance two years ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the tricks you need to know to buy cheaper car insurance.

Car Insurance Quote Comparison

Finding cheaper 1993 Ford F-250 car insurance prices can be relatively painless. Just take the time comparing rate quotes provided by online insurance companies. This can be accomplished in several different ways.

The most efficient way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This form saves time by eliminating multiple quote forms for every car insurance company. Completing one form will return price quotes from multiple low-cost companies. Just one form and you’re done.

A slightly less efficient method to analyze rates requires a visit to the website for each individual company and complete a new quote form. For instance, let’s say you want to compare State Farm, Allstate and Liberty Mutual. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just double check that you are using the exact same coverages and limits with each company. If you use different deductibles you can’t possibly make a fair comparison for your Ford F-250.

Which insurance is the “right” coverage?

When it comes to choosing adequate coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions might point out whether you might need an agent’s assistance.

  • Does my 1993 Ford F-250 qualify for pleasure use?
  • Am I covered if I break a side mirror?
  • Is a new car covered when I drive it off the dealer lot?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if I wreck a rental car?
  • Does my policy pay for OEM or aftermarket parts?
  • How much underlying liability do I need for an umbrella policy?
  • Is my babysitter covered when using my vehicle?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Insurance coverage basics

Having a good grasp of insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” 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 a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, falling objects and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as legal defense fees, emergency aid, attorney fees, repair costs for stationary objects and bail bonds. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Collision protection

Collision insurance pays for damage to your F-250 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, backing into a parked car, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills like ambulance fees, dental work and surgery. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

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