View 2002 Ford F-250 Super Duty Insurance Rates

Paying for overpriced Ford F-250 Super Duty insurance can sap your savings and put the squeeze on your family’s finances. Due to the large number of companies to choose from, it is very difficult to find the lowest cost company.

Insurance coverage quotes comparison

There are multiple methods to compare insurance coverage quotes, but one way is easier and takes less work. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could save time and use online quoting for quick rates.

All the larger companies participate in a marketplace that allows shoppers to only type in their quote data once, and each company can give them a price. This saves time by eliminating quote forms to every company.

To use this form to compare rates click to open in new window.

The only drawback to using this type of system is that you can’t choose which companies to get pricing from. So if you want to choose individual companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

The method you choose is up to you, but try to use equivalent quote information on every price quote you get. If the quotes have different values for each quote you will not be able to determine the lowest rate for your Ford F-250 Super Duty.

Lower rates by qualifying for discounts

The cost of insuring your cars can be expensive, but there could be available discounts that many people don’t even know exist. Some trigger automatically when you quote, but less common discounts must be manually applied before being credited.

  • Government Employee Discount – Being employed by or retired from a federal job could qualify for a slight premium decrease on F-250 Super Duty coverage depending on your car insurance provider.
  • Responsible Driver Discounts – Insureds without accidents could pay up to 40% less on F-250 Super Duty coverage as compared to drivers with claims.
  • Multi-Vehicle Discounts – Having all your vehicles on one policy can reduce the rates for all insured vehicles.
  • Smart Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
  • ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
  • Onboard Data Collection – Policyholders that allow companies to track their driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as they are good drivers.

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Large car insurance companies and some of their more popular discounts are outlined below.

  • GEICO may offer discounts for air bags, driver training, five-year accident-free, federal employee, anti-lock brakes, and multi-vehicle.
  • MetLife may have discounts that include multi-policy, defensive driver, accident-free, good student, and claim-free.
  • State Farm offers premium reductions for safe vehicle, student away at school, defensive driving training, anti-theft, accident-free, passive restraint, and good student.
  • Progressive has savings for online signing, multi-vehicle, multi-policy, continuous coverage, and homeowner.
  • Mercury Insurance policyholders can earn discounts including annual mileage, anti-theft, ease of repair, low natural disaster claims, multi-car, and age of vehicle.
  • 21st Century discounts include good student, student driver, anti-lock brakes, teen driver, and automatic seat belts.
  • Allstate includes discounts for good student, eSmart discount, auto/life discount, defensive driver, premier plus, and FullPay discount.

If you need low cost auto insurance quotes, ask every insurance company the best way to save money. Discounts may not be offered in your area.

Auto insurance is unique, just like you

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

  • Is my Ford F-250 Super Duty covered if I use it for business?
  • Can I afford low physical damage deductibles?
  • Does my liability insurance cover pulling a trailer or camper?
  • Which companies will insure high-risk drivers?
  • Is upholstery damage covered by car insurance?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered if I break a side mirror?
  • How much can I save by bundling my policies?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Cut insurance costs with these tips

Lots of factors are taken into consideration when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, but other criteria are less apparent like where you live or how financially stable you are.Smart consumers have a good feel for the rating factors that help determine your car insurance rates. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in lower premium levels.

  • Job impacts rates – Did you know your career choice can influence rates? Jobs such as real estate brokersair traffic controllers and medical professionals usually pay higher premiums than the average policyholder in part from job stress and long work hours. On the flip side, occupations such as farmers, athletes and performers get better rates on F-250 Super Duty coverage.
  • Cheaper rates by bundling – Some companies afford a discount to buyers that buy multiple policies. It’s known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to guarantee you are still saving the most.
  • Premiums also based on gender – Over the last 30 years, statistics show females are less aggressive when driving. The data does not necessarily mean that men are worse drivers. Both genders cause fender benders in similar percentages, but the males have costlier accidents. They also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 have the highest risk to insure so it costs more to insure them.
  • Pay more out-of-pocket – Physical damage coverage, also called ‘full coverage’, is used to repair damage to your Ford. Examples of covered claims could be a windshield shattered by a rock, collision with an animal, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles define the amount you are willing to pay if a covered claim is submitted. The larger the amount you are required to pay out-of-pocket, the better rate you will receive on F-250 Super Duty coverage.
  • Younger drivers pay high costs – Drivers with little experience are known to be careless and easily distracted when driving with friends so car insurance rates are higher. More experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents and get fewer tickets.
  • Poor credit rating equals high costs – Having a bad credit score factor in calculating your car insurance rates. Drivers with high credit ratings tend to file fewer claims than drivers who have lower credit ratings. If your credit score can use some improvement, you could save money insuring your 2002 Ford F-250 Super Duty by spending a little time repairing your credit.
  • Single drivers take more risk – Having a significant other helps lower the price on your car insurance policy. It generally demonstrates drivers are more mature and insurance companies reward insureds because married couples file fewer claims.

Auto insurance buyers beware

Drivers can’t avoid all the ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. All the ads advertise the message that you’ll save big if you switch your policy.

That’s great but how can every company make almost identical claims? Just pay attention to how they say it.

Insurance providers have a certain “appetite” for the type of insured that is profitable for them. For example, a profitable risk profile may be between the ages of 30 and 45, has a clear driving record, and insures a new vehicle. Any person that meets those criteria gets the lowest car insurance rates and will probably cut their rates if they switch.

Drivers who don’t meet these criteria will probably have to pay a higher rate and this results in the prospect going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently make those statements. This really emphasizes why drivers should compare price quotes frequently. It is just not possible to predict which auto insurance company will provide you with the cheapest prices.

Insurance coverages and their meanings

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Auto liability

This coverage can cover damages or injuries you inflict on other people or property in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as funeral expenses, repair bills for other people’s vehicles, medical services, bail bonds and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverages

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, rock chips in glass, falling objects and vandalism. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as X-ray expenses, surgery and ambulance fees. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

Collision insurance will pay to fix damage to your F-250 Super Duty from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, crashing into a ditch, crashing into a building and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Ford F-250 Super Duty.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

More effort can pay off

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where an insured cut liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your goal is to buy enough coverage at an affordable rate, not the least amount of coverage.

You just learned many tips how you can save on 2002 Ford F-250 Super Duty insurance. The key thing to remember is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may be surprised to find that the lowest auto insurance rates come from some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Budget-conscious 2002 Ford F-250 Super Duty insurance can be found online as well as from insurance agents, so you should be comparing quotes from both to have the best selection. Some car insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

To read more, feel free to visit the resources below: