View 1999 Ford F-250 Insurance Cost

Trying to find the cheapest auto insurance rates? Buyers have lots of choices when searching for the best price on Ford F-250 insurance. You can either spend your time struggling with agents to compare prices or save time using the internet to compare rates.

There are both good and bad ways to find auto insurance online so we’re going to tell you the best way to price shop coverage on a Ford and locate the lowest possible price either online or from local insurance agents.

Find cheap insurance coverage with these tips

When buying insurance coverage it’s important to understand a few of the rating criteria that help determine the level of your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that may reward you with much lower annual insurance costs.

  • Is you occupation costing you more? – Did you know that where you work can have an impact on rates? Occupations like judgesair traffic controllers and emergency personnel generally pay higher premiums than the average policyholder in part from high stress and extremely grueling work hours. Conversely, professions such as scientists, engineers and performers have lower than average premiums for F-250 insurance.
  • Miles impacts premiums – The more miles you rack up on your Ford every year the more you will pay for insurance coverage. The majority of insurers charge to insure your cars based upon how the vehicle is primarily used. Autos not used for work or commuting cost less to insure than cars that get driven a lot. Having the wrong rating on your F-250 may be costing you higher rates. Make sure your insurance coverage declarations sheet states the correct usage for each vehicle, because improper ratings can cost you money.
  • Tickets inflate rates – Drivers with clean records receive lower rates than people who have multiple driving citations. Getting just one speeding ticket or other violation can increase the cost of insurance twenty percent or more. Drivers unfortunate enough to have multiple violations like reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state in order to keep their license.
  • Discounts for multiple policies – Most major insurance companies will give discounts for people who carry more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to check prices from other companies to help ensure you have the lowest rates.
  • Raise coverage deductibles and save – Comprehensive and collision coverage deductibles state the amount of money you are willing to pay out-of-pocket in the event of a claim. Physical damage protection, aka comp and collision, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, vandalism, and having a roll-over accident. The more damage repair cost you have to pay, the less your company will charge you for insurance for F-250 insurance.
  • Marriage discount – Having a spouse can actually save you money on insurance coverage. Having a significant other demonstrates that you tend to be more mature and responsible and it’s proven that married drivers get in fewer accidents.
  • More traffic means higher claims – Living in a small town can save you money when it comes to insurance coverage. Drivers in populated areas have to deal with more traffic problems and higher rates of accident claims. Fewer people means fewer accidents and also fewer theft and vandalism claims.

The best way we recommend to compare insurance rates from multiple companies is to know the fact most larger insurance companies allow for online access to provide you with a free rate quote. To get started, all you need to do is provide the companies a bit of rating information such as whether you are single or married, if a SR-22 is required, which vehicles you own, and coverage limits. That rating information is submitted instantly to many of the top insurers and you will receive price estimates immediately.

To find lower rates now, click here and complete the form.

Don’t overlook these insurance discounts

Insurance is expensive, but there could be significant discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but a few need to be asked for before you will receive the discount.

  • Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease for F-250 insurance but check with your company.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a slight reduction on a car insurance quote for F-250 insurance.
  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control are safer to drive and the ABS can save up to 10%.
  • Discount for Swiching Early – A few insurance companies offer discounts for switching to them early. It could save around 10% when you buy car insurance online.
  • Early Payment Discounts – By making one initial payment instead of making monthly payments you can avoid the installment charge.
  • Sign Online – A few companies will give a small break simply for signing digitally online.
  • Drivers Ed for Students – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.

One last thing about discounts, most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free insurance policy, it just doesn’t work that way.

Larger insurance companies and some of their more popular discounts are:

  • State Farm policyholders can earn discounts including multiple policy, anti-theft, passive restraint, driver’s education, and safe vehicle.
  • Farmers Insurance may have discounts that include youthful driver, bundle discounts, electronic funds transfer, multi-car, business and professional, and pay in full.
  • Progressive offers premium reductions for online signing, good student, multi-vehicle, online quote discount, continuous coverage, and multi-policy.
  • GEICO may offer discounts for membership and employees, good student, multi-vehicle, anti-lock brakes, seat belt use, air bags, and multi-policy.
  • Auto-Owners Insurance offers discounts including group or association, student away at school, safe vehicle, mature driver, and anti-theft.
  • The Hartford has savings for vehicle fuel type, bundle, air bag, driver training, defensive driver, and anti-theft.
  • Farm Bureau offers discounts for youthful driver, renewal discount, 55 and retired, safe driver, good student, driver training, and multi-vehicle.
  • USAA has discounts for safe driver, family discount, loyalty savings, new vehicle, good student, driver training, and vehicle storage.

When getting a coverage quote, ask each insurance company the best way to save money. All car insurance discounts may not apply to policyholders in your area. To locate insurers with the best discounts, follow this link.

When to get professional advice

When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if you could use an agent’s help.

  • How do I insure my teen driver?
  • Should I buy full coverage?
  • Are my friends covered when driving my 1999 Ford F-250?
  • What companies insure drivers after a DUI or DWI?
  • What is UM/UIM insurance?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Auto insurance 101

Learning about specific coverages of your car insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses for dental work, surgery, chiropractic care, hospital visits and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

This pays for damage to your F-250 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, crashing into a ditch, colliding with another moving vehicle, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford F-250.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, a broken windshield, rock chips in glass, hitting a deer and fire damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability insurance

This coverage will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like attorney fees, loss of income, pain and suffering, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

More comparisons equals lower rates

Insureds who switch companies do it for a number of reasons such as high rates after DUI convictions, questionable increases in premium, delays in paying claims or high prices. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There have been many situations where someone sacrificed physical damage coverage and learned later they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

Lower-priced 1999 Ford F-250 insurance is possible on the web as well as from insurance agents, so you need to quote car insurance with both in order to have the best price selection to choose from. Some insurance companies may not have online rate quotes and most of the time these smaller companies only sell coverage through independent agencies.

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