How Much Does 2017 Ford F-250 Super Duty Car Insurance Cost?

Searching for low-cost insurance for your Ford F-250 Super Duty can normally be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to buy auto insurance so we’re going to tell you the quickest way to compare rates for a Ford and find the best price possible from both online companies and local agents.

If you have a current insurance coverage policy or are just looking to switch companies, you can use this information to cut your premiums while maintaining coverages. Finding more affordable insurance coverage is easy if you know what you’re doing. Drivers just need to learn the most effective way to compare price quotes on the web.

Car Insurance Prices Online

Finding a better price on car insurance is a fairly straight forward process. Just spend a little time comparing rates provided by online insurance companies. This can be accomplished using a couple different methods.

One of the best ways to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do a different quote for each company you want a rate for. In just a few minutes this one form gets rate comparisons from many national carriers. This is by far the quickest method.

A harder way to obtain and compare quotes online requires a trip to the website for each individual company to request a price quote. For examples sake, let’s say you want to compare rates from Progressive, Geico and American Family. To get each rate you have to spend time on each company’s site and enter your information, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

The least efficient method to compare rates is to drive around to local insurance agencies. The internet can eliminate the need for a local agent unless you want the personal advice that only a license agent can provide. However, consumers can compare the best prices online but buy from a local insurance agent.

It’s up to you which method you use, but ensure you are comparing identical coverages and limits on every quote you get. If you are comparing differing limits it will be next to impossible to decipher which rate is best.

Are you getting all your discounts?

Companies do not advertise all their discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you will save approximately 10% to 15%.
  • Defensive Driving Course – Completing a defensive driving course could cut 5% off your bill if you qualify.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for F-250 Super Duty coverage than less cautious drivers.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • One Accident Forgiven – A few companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.

It’s important to note that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of insurers offering auto insurance discounts, follow this link.

When might I need an agent?

When choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I buy additional glass protection?
  • Am I covered if I crash into my own garage door?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is pleasure use cheaper than using my 2017 Ford F-250 Super Duty to commute?
  • Do I need added coverage for expensive stereo equipment?
  • What happens if I owe more than my 2017 Ford F-250 Super Duty is worth?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance policy specifics

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford F-250 Super Duty.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses for nursing services, chiropractic care, doctor visits and X-ray expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This can cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like attorney fees, court costs, structural damage, emergency aid and funeral expenses. How much coverage you buy is your choice, but buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, theft, damage from getting keyed and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Final thoughts

Cheap 2017 Ford F-250 Super Duty insurance is definitely available on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

Insureds who switch companies do it for any number of reasons including being labeled a high risk driver, not issuing a premium refund, denial of a claim and even extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new insurance company can be easier than you think.

Throughout this article, we presented a lot of ways to save on insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest priced car insurance comes from an unexpected company.

More detailed car insurance information is located by following these links: