View 2018 Ford F-250 Super Duty Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 4, 2024

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Getting the cheapest insurance coverage may be somewhat intimidating for comparing rates over the internet. With such a large number of online companies available, how can drivers possibly compare every company to locate the best available rates?

Consumers need to quote other rates once or twice a year since insurance prices are rarely the same from one policy term to another. Even if you got the lowest rate on F-250 Super Duty insurance at your last renewal you may be paying too much now. There are lots of tips to save on insurance coverage online, but in just a couple of minutes you can learn some solid techniques on how to reduce your insurance coverage bill.

The easiest way to compare car insurance rates takes advantage of the fact most larger insurance companies pay for the opportunity to compare their rates. To get started, all you need to do is take a few minutes to give details including whether you are single or married, how many miles driven, if it has an anti-theft system, and how much education you have. The rating information is submitted instantly to many different companies and they respond with quotes instantly to find the best rate.

Verify you’re earning every discount

Insurance is not cheap nor is it fun to buy but you might find some hidden discounts that you may not even know about. Certain discounts will be triggered automatically at quote time, but once in a while a discount must be specially asked for before you will receive the discount.

  • Professional Organizations – Being in qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.
  • Discounts for Good Drivers – Accident-free drivers can get discounts for up to 45% lower rates on F-250 Super Duty insurance compared to rates paid by drivers with frequent claims.
  • Senior Discount – Older drivers can get a discount up to 10% on F-250 Super Duty insurance.
  • Discount for Home Ownership – Just owning your own home can help you save on insurance since home ownership is proof that your finances are in order.
  • Multi-Vehicle Discounts – Buying coverage for primary and secondary vehicles on a single policy could earn a price break for each car.

Discounts lower rates, but many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will definitely lower the cost of coverage.

A few of the larger companies and a selection of discounts are shown below.

  • Progressive may include discounts for continuous coverage, good student, online signing, online quote discount, multi-vehicle, and homeowner.
  • GEICO has savings for five-year accident-free, seat belt use, air bags, anti-theft, military active duty, and multi-vehicle.
  • State Farm offers discounts including Steer Clear safe driver discount, multiple policy, anti-theft, good student, driver’s education, and defensive driving training.
  • Esurance may offer discounts for Pac-12 alumni, multi-car, DriveSense, good driver, homeowner, renters, and online shopper.
  • The Hartford may have discounts that include air bag, anti-theft, defensive driver, driver training, vehicle fuel type, and good student.

When getting a coverage quote, ask each company which discounts you qualify for. Some credits may not be offered in your area. If you would like to view providers that provide some of the discounts listed above, enter your zip code here.

When should I discuss my situation with an agent?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

For example, these questions may help highlight if your situation will benefit from professional help.

  • What are the financial responsibility laws in my state?
  • Is my trailer covered?
  • Exactly who is provided coverage by my policy?
  • How can I get high-risk coverage after a DUI?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered if I wreck a rental car?
  • Will my rates increase for filing one claim?
  • How does medical payments coverage work?
  • Is extra glass coverage worth it?
  • What discounts do I qualify for?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete your zip code.

Insurance coverage options for a Ford F-250 Super Duty

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.


Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like structural damage, legal defense fees, funeral expenses and loss of income. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like rehabilitation expenses, ambulance fees, EMT expenses and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Ford F-250 Super Duty.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for collisions

This coverage pays for damage to your F-250 Super Duty resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, sustaining damage from a pot hole, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, theft and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

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