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Ford F-250 Insurance Rates

Shopping for car insurance by comparing rates online can be fast and easy and there is a good chance you might just save a little. The most important part is to take the time to get rates from all providers in order to accurately compare the cheapest rate quotes.

If shopping for car insurance online is new to you, you can be overwhelmed by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The recommended way to find the cheapest Ford F-250 insurance cost consists of shopping online. This can be accomplished by getting a quick quote here.

Auto insurance rates paid to insure a Ford F-250 can vary widely depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating
  • Male drivers pay higher rates
  • The deductible you choose
  • Safety rating of your F-250
  • What you do for a living
  • The amount of protection requested
  • Whether you own your home

A final factor that will help determine Ford F-250 insurance rates is the model year. Older cars and trucks cost less in comparison to older models so the costs to repair may result in lower rates. But new Ford models may have a trim level with safety features including a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which can help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability insurance - This coverage provides protection from damage that occurs to a person or their property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage - Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance - This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Ford F-250 comprehensive insurance. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. 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. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.

How Much are Ford F-250 Insurance Rates?