1998 Ford F-250 Insurance Quotes – 6 Tips for Best Rates

Are you regretting the purchase of high-priced insurance coverage? You’re in good company because there are many people just like you. Since consumers have many insurance companies to choose from, it can be impossible to pick the lowest cost company.

How to get free auto insurance quotes online

The majority of larger companies provide coverage prices direct online. Getting quotes is very simple as you simply enter the coverages you want into the form. When complete, the system automatically retrieves your credit score and driving record and quotes a price based on the data you entered. Quoting online makes it easy to compare insurance prices but the time required to go to multiple sites and type in the same data is a big time waster. But it’s absolutely necessary to get many rate quotes in order to find better prices.

There is a better way!

A more efficient way to find cheaper rates uses one simple form to obtain quotes from a lot of companies. This type of form saves time, requires much less work on your part, and makes online quotes much simpler. After your information is entered, it gets priced and you can select any or none of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the policy. This process takes just a few minutes to complete and you’ll know if lower rates are available.

In order to compare pricing, simply click here to open in new window and enter your information. If you have a policy now, it’s recommended you replicate coverages and limits just like they are on your policy. This helps ensure you will have an apples-to-apples comparison using the exact same coverages.

Will just any policy work for me?

When buying coverage, there is no perfect coverage plan. Each situation is unique so your insurance should reflect that For instance, these questions could help you determine if your situation might need professional guidance.

  • Do I benefit by insuring my home with the same company?
  • What is the rate difference between pleasure use and commuting?
  • Why am I required to get a high-risk car insurance policy?
  • Where can I find high-risk insurance?
  • What is medical payments coverage?
  • Does insurance cover damages from a DUI accident?
  • When do I need to add a new car to my policy?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Educate yourself about car insurance coverages

Understanding the coverages of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average car insurance policy.

Coverage for liability

Liability insurance can cover damage or injury you incur to a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like emergency aid, legal defense fees, court costs, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like dental work, ambulance fees, prosthetic devices, pain medications and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, fire damage, hitting a bird, falling objects and damage from flooding. The maximum amount 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 Motorist or Underinsured Motorist insurance

This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your 1998 Ford F-250.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage

This coverage pays for damage to your F-250 caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, backing into a parked car, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.