How Much Does 1991 Ford F-250 Car Insurance Cost?

Searching for cheaper insurance rates for your Ford F-250? I can’t think of a single person who enjoys paying for insurance, particularly when the cost is way too high.

Online insurance companies like Progressive, Geico and Farmers Insurance all promote huge savings with ads and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

How to Lower Your Insurance Cost

To find the best insurance prices, there are several ways to compare rate quotes from insurance companies in your area. The easiest way to find the cheapest 1991 Ford F-250 insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

  1. One of the simplest ways to get the best comparison quotes is a comparison rater form like this one (opens in new window). This form prevents you from having to do a different quote for each company you want a rate for. One quote request will get you rate comparisons from all major companies.
  2. A less efficient way to shop for insurance online requires a trip to the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s say you want to compare Geico, State Farm and Travelers. You would have to visit each site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least efficient way to get comparison rates is to waste gas driving to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you prefer the professional guidance only provided by licensed agents. Drivers can get prices online but buy from a local insurance agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but double check that you are using exactly the same information on every quote. If you are comparing different values for each quote it’s not possible to decipher which rate is best. Just a small difference in coverages may result in large price differences. It’s important to know that comparing a large number of companies helps locate the best offered rates.

Situations that might require an agent

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help highlight whether you might need an agent’s assistance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my custom paint covered by insurance?
  • Should I buy only the required minimum liability coverage?
  • Can I afford to buy a different vehicle if my 1991 Ford F-250 is totaled?
  • How can I force my company to pay a claim?
  • Do I need medical payments coverage since I have good health insurance?
  • When would I need additional glass coverage?
  • How does medical payments coverage work?
  • How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverage information

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, theft, damage from getting keyed, falling objects and hitting a bird. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

This coverage provides protection from damage that occurs to people or other property in an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like emergency aid, structural damage and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like X-ray expenses, pain medications and EMT expenses. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of 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 is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.