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1998 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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UPDATED: Jun 12, 2015

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Looking for the cheapest insurance rates for your Ford F-250? Saving money on insurance can be nearly impossible for people who are new to shopping for insurance online. Consumers have so many options available that it can easily become a real challenge to find lower rates.

You should take the time to take a look at other company’s rates once or twice a year due to the fact that insurance rates trend upward over time. Just because you found the best rates for F-250 insurance six months ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding insurance on the internet, so I’m going to show you some tested techniques to save money.

You probably qualify for some discounts

Car insurance companies don’t always advertise all available discounts very clearly, so we break down both the well known and also the lesser-known ways to save on insurance.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Defensive Driver – Completing a driver safety course can save you 5% or more if your company offers it.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for better insurance rates for F-250 insurance.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you could get a discount of at least 10% off all policies.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Sign Online – Some insurance companies will give a small break for buying your policy on their website.
  • No Charge for an Accident – A few companies allow you one accident before hitting you with a surcharge if you are claim-free for a certain period of time.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky.

To see a list of companies with discount insurance rates, click this link.

Compare the Market for Insurance Coverage

There are several ways to compare rate quotes from different insurance companies. The best way to find the lowest 1998 Ford F-250 rates is to use the internet to compare rates. This can be done in a couple of different ways.

  • The single most time-saving way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for separate forms for each company you want a rate for. One form will return quotes from multiple low-cost companies. It’s definitely the quickest method.
  • A different way to obtain and compare quotes online is to take the time to go to each company’s website to complete their respective quote request forms. For example, we’ll pretend you want to compare USAA, Liberty Mutual and GEICO. To get rate quotes you would need to go to every website and enter your information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  • The hardest way to get comparison rates is driving around to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you have a need for the professional advice of a licensed agent. Drivers can comparison shop your insurance online and get advice from an agent in your area and you’ll learn how to do that later.

Whichever method you choose, double check that you are using apples-to-apples coverages for every company. If you have mixed coverages it will be very difficult to determine the best price for your Ford F-250. Having just a slight variation in limits can make a big difference in price. And when quoting insurance coverage, remember that having more price comparisons helps locate a lower rate.

There’s no such thing as the perfect policy

When it comes to buying the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.

These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.

  • I have health insurance so do I need medical payments coverage?
  • Am I covered if I crash into my own garage door?
  • Do I need added coverage for expensive stereo equipment?
  • What is medical payments coverage?
  • Is my trailer covered?
  • Is my ex-spouse still covered by my policy?
  • Is my dog or cat covered if injured in an accident?
  • Should I put collision coverage on all my vehicles?
  • When should I remove comp and collision on my 1998 Ford F-250?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

Car insurance policy specifics

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like hospital visits, X-ray expenses and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It consists of 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.

Liability can pay for claims such as funeral expenses, medical services, attorney fees, medical expenses and court costs. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Ford F-250.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, rock chips in glass and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This coverage covers damage to your F-250 caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Money doesn’t grow on trees

People change insurance companies for many reasons like denial of a claim, delays in paying claims, policy non-renewal or even being labeled a high risk driver. It doesn’t matter why you want to switch finding a new auto insurance company can be pretty painless.

You just learned many ways to save on 1998 Ford F-250 insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from an unexpected company.

Affordable insurance can be sourced both online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

Even more information is located in these articles:

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