2009 Ford F-250 Super Duty Car Insurance Rates

Are you drained from trying to scrape together enough money to pay high car insurance rates every month? You have the same problem as millions of other people.

Many insurers vie for your business, and it can be difficult to compare rates to find the lowest rate possible.

Buy insurance online

There are several ways you can shop for insurance and some are less time-consuming than others. You can spend your afternoon talking to insurance agencies in your area, or you could use the web to get prices fast.

Many companies belong to an insurance system that enables customers to submit one quote, and each participating company returns a rated price based on the submitted data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To find out how much you can save on insurance click here to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose which companies to receive prices from. So if you prefer to pick specific insurance companies to receive pricing from, we have a page of companies who write insurance in your area. Click here to view list.

Which method you use is up to you, but ensure you’re using apples-to-apples coverage data on every price quote you get. If you are comparing unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best. Just slight variations in insurance coverages or limits could mean much higher rates. Just remember that comparing more quotes will improve the odds of getting more affordable rates. Not every company allows you to get online quotes, so you also need to get rates from them as well.

Get cheap insurance coverage with discounts

Companies offering auto insurance do not list every policy discount very well, so we took the time to find some of the more common as well as some of the hidden savings tricks you should be using when you buy auto insurance online.

  • Discount for Good Grades – Excelling in school can get you a discount of up to 25%. You can use this discount normally until age 25.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks on medical payment and PIP coverage.
  • Bundled Policy Discount – If you have multiple policies and insure them with the same company they may give you a discount of as much as 10 to 15 percent.
  • Buy New and Save – Buying a new car instead of a used car can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
  • Responsible Driver Discounts – Safe drivers can save as much as half off their rates for F-250 Super Duty coverage than less cautious drivers.
  • Telematics Discount – Drivers who agree to allow companies to track their driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they are good drivers.

As a sidenote, most discounts do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.

Larger insurance coverage companies and a selection of discounts are detailed below.

  • Travelers may include discounts for home ownership, hybrid/electric vehicle, payment discounts, early quote, and continuous insurance.
  • 21st Century offers premium reductions for homeowners, 55 and older, anti-lock brakes, automatic seat belts, and teen driver.
  • State Farm includes discounts for good student, safe vehicle, multiple autos, multiple policy, and anti-theft.
  • GEICO may have discounts that include good student, military active duty, air bags, five-year accident-free, driver training, and daytime running lights.
  • SAFECO offers discounts for bundle discounts, safe driver, teen safety rewards, accident prevention training, anti-theft, multi-car, and teen safe driver.
  • AAA may offer discounts for education and occupation, pay-in-full, good driver, multi-car, AAA membership discount, multi-policy, and anti-theft.

If you want low cost auto insurance quotes, ask every insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply to policies everywhere. To locate insurance coverage companies that offer discounts, click here.

How do insurance companies determine Ford F-250 Super Duty insurance costs?

Lots of things are considered when you quote your car insurance policy. Most are fairly basic like an MVR report, but other factors are not quite as obvious such as whether you are married or your financial responsibility.

The following are just a few of the factors insurance companies consider when setting your rate level.

  • Poor credit rating equals high premiums – An insured’s credit rating is a large factor in determining what you pay for insurance. Therefore, if your credit can be improved, you could be paying less to insure your 2009 Ford F-250 Super Duty by improving your rating. Consumers who have good credit tend to be better risks to insure than drivers with poor credit.
  • Marriage pays dividends – Being married can get you a discount when shopping for insurance. Marriage generally demonstrates drivers are less irresponsible and statistics show drivers who are married file infrequent claims.
  • A insurance lapse can increase prices – Having a gap between insurance policy dates is a sure-fire way to bump up your insurance costs. Not only will you pay higher rates, the inability to provide proof of insurance could result in a license revocation or jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Insurance claims cost money – Companies give lower rates to people who are not frequent claim filers. If you’re an insured who likes to file claims you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
  • GPS tracking and theft deterrents reduce rates – Choosing to buy a car that has a built-in theft deterrent system can save you a little every year. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. For instance, these questions can help discover whether or not you may require specific advice.

  • How high should deductibles be on a 2009 Ford F-250 Super Duty?
  • What if I total my 2009 Ford F-250 Super Duty and owe more than it’s worth?
  • Is business equipment covered while in my vehicle?
  • Does my insurance cover a custom paint job?
  • What if I don’t agree with a claim settlement offer?
  • What is roadside assistance coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have coverage when using my vehicle for my home business?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area.

Specific coverages for a 2009 Ford F-250 Super Duty

Learning about specific coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.

Collision coverage protection

This covers damage to your F-250 Super Duty from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, vandalism, a broken windshield and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like rehabilitation expenses, pain medications, prosthetic devices, chiropractic care and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage


Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, legal defense fees, court costs and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford F-250 Super Duty.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Cheaper insurance is a realistic goal

Cost effective 2009 Ford F-250 Super Duty insurance is attainable both online in addition to local insurance agencies, so you should compare both to get a complete price analysis. Some companies don’t offer online rate quotes and these small insurance companies only sell through independent agents.

We’ve covered a lot of techniques to shop for 2009 Ford F-250 Super Duty insurance online. It’s most important to understand that the more providers you compare, the better your chances of lowering your prices. You may even find the best price on car insurance is with some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

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