1993 Ford F-250 Insurance Cost – 6 Tips for Best Prices

Have you had enough of being strong-armed to insure your Ford every month? You are in the same boat as millions of other consumers.

Drivers have multiple auto insurance companies to pick from, and although it’s nice to have a selection, it makes it harder to find the best rates.

Comprehensive Insurance Comparison Quotes

All major insurance companies give prices for coverage on their websites. Getting online quotes is fairly straightforward as you simply enter your coverage information as detailed in the form. After you complete the form, their system automatically orders your driving and credit reports and quotes a price based on many factors. Being able to quote online makes it a lot easier to compare rates but the time required to go to several different sites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to get the lowest price.

The preferred way to lower your rates requires only one form to return rates from several companies at one time. The form is fast, requires less work, and makes comparison shopping a lot less work. After sending the form, it is quoted and you can choose your choice of the pricing results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process takes less than 15 minutes and may save quite a bit of money.

If you want to compare rates using this form now, click here and fill out the form. To compare your current rates, we recommend you input the limits and deductibles just like they are on your policy. This way, you will have a fair comparison using the same coverage and limits.

Misconceptions in car insurance advertisements

State Farm, Allstate and Geico consistently run ads in print and on television. All the companies make the same claim about savings if you change to them. But how can every company make the same claim?

Different companies are able to cherry pick for the type of customer that makes them money. For example, a driver they prefer might be a mature driver, has no prior claims, and has excellent credit. A propective insured who matches those parameters receives the best rates and most likely will cut their rates substantially.

Consumers who fall outside these standards will have to pay a more expensive rate which leads to the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently advertise the way they do.

Because of the profiling, it is so important to get as many quotes as possible. You cannot predict the company that will provide you with the cheapest Ford F-250 insurance rates.

These six discounts can slash insurance coverage rates

Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. Most are applied at quote time, but some may not be applied and must be asked for before being credited.

  • Good Student – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save 10% or more off your medical payments premium.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on F-250 insurance with certain companies.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.

Consumers should know that many deductions do not apply the the whole policy. Most cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will cut the amount you have to pay.

For a list of insurance companies offering insurance coverage discounts, follow this link.

When might I need the advice of an agent?

When it comes to choosing coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • When should I not file a claim?
  • What vehicles should carry emergency assistance coverage?
  • Should I bundle my homeowners policy with my auto?
  • If my pet gets injured in an accident are they covered?
  • Should I drop comprehensive coverage on older vehicles?
  • What can I do if my company won’t pay a claim?
  • What discounts do I qualify for?
  • Is my camper covered by my car insurance policy?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance policy coverages for a 1993 Ford F-250

Having a good grasp of a insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, a broken windshield and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford F-250.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Collision coverage protection

This pays for damage to your F-250 resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like nursing services, doctor visits, EMT expenses, pain medications and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for liability

Liability insurance will cover damage or injury you incur to other’s property or people. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like loss of income, structural damage, legal defense fees, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Take this to the bank

Throughout this article, we presented many ideas to shop for 1993 Ford F-250 insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the best prices are with a company that doesn’t do a lot of advertising. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. In many instances, someone dropped full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at the best price while still protecting your assets.

Additional information can be read at the links below