2002 Ford F-250 Super Duty Insurance Rates – 5 Discounts for Best Quotes

Having to pay for pricey insurance can bleed your savings and make it tough to pay other bills. Price shopping at each renewal is recommended to slash your bill and have more diposable income.

With vehicle owners having so many insurance companies to choose from, it can be hard to pick a more affordable insurer.

Double check you’re getting these five premium-slashing discounts

Car insurance is not cheap, but there are discounts available to help offset the cost. Certain reductions will be credited at the time of purchase, but a few must be specifically requested prior to getting the savings. If you are not receiving all the discounts available, you could be getting lower rates.

  • Paperwork-free – Some companies will provide an incentive for buying your policy online.
  • Theft Deterent – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Seat Belt Discounts – Requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Government Employee Discount – Federal government employees may qualify for a discount when you quote insurance on F-250 Super Duty coverage with select insurance companies.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could save 5% or more if your company offers it.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

Companies and a partial list of their discounts include:

  • Farmers Insurance has discounts for pay in full, bundle discounts, switch companies, teen driver, electronic funds transfer, and distant student.
  • Esurance may include discounts for DriveSense, online quote, paid-in-full, multi-policy, good driver, anti-theft, and defensive driver.
  • State Farm includes discounts for passive restraint, student away at school, good student, safe vehicle, and accident-free.
  • GEICO policyholders can earn discounts including seat belt use, good student, anti-theft, multi-policy, emergency military deployment, and federal employee.
  • Allstate may have discounts that include FullPay discount, auto/life discount, EZ pay plan discount, senior citizen, new car, and resident student.

Double check with all the companies which discounts you may be entitled to. Some discounts listed above may not be available in your state. If you would like to view insurance coverage companies that offer some of these discounts, click this link.

Which car insurance is cheapest?

Reducing your 2002 Ford F-250 Super Duty insurance rates is surprisingly easy. You just need to take the time getting comparison quotes provided by online insurance companies. This can easily be done in several different ways.

  1. The single most time-saving way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating separate quote forms for each company. Filling out one form will return price quotes from multiple low-cost companies.
  2. A more difficult way to compare rate quotes is spending the time to visit each individual company website and request a quote. For sake of this example, we’ll assume you want to view quotes from Farmers, Liberty Mutual and GMAC. To get each rate you have to visit each site to enter the same coverage data repeatedly, which explains why we recommend starting with the first method.

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

  3. The hardest way to do your price quoting is physically going to each insurance agency near you. Comparing rates online reduces the need to sit down with an agent unless you want the personal advice only provided by licensed agents. However, consumers can get prices online and still use a local agent.

Compare rates however you want, just ensure you are comparing the same coverages for each comparison quote. If you compare mixed coverages then you won’t be able to make a fair rate comparison.

Do I need special coverages?

When it comes to buying coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. These are some specific questions could help you determine if you might need professional guidance.

  • Are my tools covered if they get stolen from my vehicle?
  • Does insurance cover damages from a DUI accident?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I hit my neighbor’s mailbox?
  • What companies insure drivers after a DUI or DWI?
  • Can I drive in Mexico and have coverage?
  • What discounts do I qualify for?
  • Who is covered by my policy?
  • Will my insurance pay for OEM parts?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Advertising and auto insurance

Consumers can’t get away from all the ads for cheaper auto insurance by Progressive, Allstate and GEICO. They all advertise the message that drivers can save some big amount if you just switch to them.

How does each company charge you a lower premium? Here is how they do it.

All the different companies require specific criteria for a prospective insured that earns them a profit. For instance, a desirable insured might be a married female, is a homeowner, and drives a lower-performance vehicle. A customer getting a price quote who matches those parameters receives the best premium rates and have a good chance to cut their rates if they switch.

Drivers who do not match the “perfect” profile will be quoted higher rates which results in the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. This is how insurance companies can confidently make claims like that. This illustrates why you absolutely need to do a price quote comparison at every renewal. It’s just too difficult to predict which company will provide the lowest premium rates.

Auto insurance 101

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from auto insurance companies.

Collision coverages – Collision insurance pays for damage to your F-250 Super Duty resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverages – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, hitting a bird, hail damage, damage from getting keyed and theft. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance – Liability insurance protects you from damage that occurs to a person or their property. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, repair costs for stationary objects, emergency aid, loss of income and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses such as ambulance fees, rehabilitation expenses, funeral costs, dental work and surgery. They are used to fill the gap from your health insurance plan 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 being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Spend less. Save more.

While you’re price shopping online, don’t be tempted to reduce needed coverages to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at the best cost.

Throughout this article, we presented a lot of tips how to reduce 2002 Ford F-250 Super Duty insurance car insurance rates online. The key thing to remember is the more you quote insurance, the better your chances of lowering your premium rates. Drivers may discover the most savings is with an unexpected company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

More detailed insurance information is available by following these links: