Vehicles > Ford > F-250

Ford F-250 Insurance Cost

You have many choices when finding cheaper insurance coverage on your Ford vehicle. You can either contact an agent or shop online to compare insurance costs of insurance carriers. Buying car insurance by getting online quotes is easy, in addition you can save money.

People who are new to comparing rates may think purchasing cut-rate Ford F-250 insurance is nearly impossible. There are several ways to get quotes from different insurance companies. The easiest way by far to find the cheapest Ford F-250 insurance rates is to get quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your Ford F-250 can vary widely based upon several criteria. A few of these criteria are:

  • The performance level of your F-250
  • Any accidents you may have
  • Multiple policies can save money
  • Pleasure, commuting or business use can affect rates
  • Optional coverages like vehicle replacement
  • Your occupation
  • The level of coverage
  • Owning a home can lower rates

An additional factor that helps determine Ford F-250 insurance cost is the year of the vehicle. Older models have a much lower replacement value than newer models so the payout to repair will push premiums down. Conversely, more recent Ford vehicles may have safety features such as traction control, adaptive headlights, and automatic crash notification which can help offset higher rates.

To get a better idea how much rates will be for your vehicle, select the year of your F-250 from the following list.

Liability

Liability insurance will cover injuries or damage you cause to other's property or people in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision protection

Collision insurance will pay to fix damage to your Ford resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.

How Much are Ford F-250 Insurance Rates?