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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: Nov 23, 2017

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Shopping for auto insurance from online companies is easy and there is a good chance you may find lower rates. The key is to take the time to get rates from all companies in order to accurately compare every company's rates.

Consumers not familiar with shopping for insurance may think purchasing low-cost Ford F-250 insurance can be quite difficult. Getting lower Ford F-250 insurance cost is actually quite simple. The only thing you need to do is invest a little time to compare quotes from different insurance companies. This is very easy and can be done by getting a quick quote here.

Insurance premiums on a Ford F-250 can vary widely based upon several criteria. Some of these factors include:

  • Your driving record
  • Credit rating
  • Where you reside can make a big difference
  • The number of annual miles
  • Men typically pay more than women
  • The deductible you choose
  • Safety rating of your F-250
  • Whether or not you have claims
  • Having current coverage saves
  • Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. Models that are new have a higher replacement value compared to older Ford F-250 models so repair costs are higher which can inflate annual premiums. On the flip side, more recent F-250 vehicles have more advanced features like autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system which can help offset higher rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverage

Liability insurance will cover damage that occurs to people or other property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy higher limits if possible.

Coverage for collisions

Collision coverage will pay to fix damage to your F-250 resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your Ford F-250 can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper Ford F-250 insurance quotes.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP is only offered in select states and may carry a deductible.

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