Compare 1998 Ford F-250 Insurance Quotes

Trying to find lower insurance rates for your Ford F-250? Feel like you’re a prisoner to overpriced insurance? Trust us when we tell you there are many people just like you.

Companies like Geico and Progressive increase brand awareness with fancy advertisements and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Finding affordable coverage is not that difficult. But consumers must comprehend how insurance companies determine prices because it can help you find the best coverage.

Pieces of the Ford F-250 insurance rate puzzle

Consumers need to have an understanding of the rating factors that help determine your insurance rates. Understanding what determines base rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Men fork out a little more – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes are in accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore have the most expensive insurance rates.
  • No coverage gaps is important – Driving your car without having proper coverage is illegal and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, but not being able to provide proof of insurance will get you a steep fine or even jail time.
  • How your age affects price – Teen drivers have a tendency to get distracted easily when behind the wheel so insurance rates are higher. Older insureds are more responsible, statistically cause fewer accidents and receive fewer citations.
  • Theft deterrents lower rates – Owning a car with anti-theft technology or alarm system can get you a discount on your insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Your insurance rates can be influenced by your job – Did you know your job can affect your rates? Jobs such as real estate brokers, social workers and financial analysts are shown to have higher average rates attributed to high stress and lengthy work days. Conversely, professions such as pilots, engineers and performers pay the least on F-250 insurance.
  • Your credit rating is important – A driver’s credit score is a important factor in determining your rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores. If your credit rating is low, you could be paying less to insure your 1998 Ford F-250 by improving your rating.
  • Safer cars cost less to insure – Vehicles with good safety scores are cheaper to insure. These vehicles reduce injuries and lower injury rates means lower claim amounts and lower rates for you. If your Ford F-250 scored better than four stars on Safercar.gov you may qualify for a discount.
  • Where do you drive? – The more miles you rack up on your Ford each year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Autos left parked in the garage can get a lower rate than vehicles that are driven to work every day. Make sure your insurance policy shows how each vehicle is driven, because it can save money. Incorrect usage on your F-250 may be wasting your money.

Verify you’re getting all your discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be inquired about before they will apply.

  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Life Insurance – Larger companies have a break if you buy life insurance.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
  • Early Switch Discount – Select companies give a discount for signing up before your current policy expires. It’s a savings of about 10%.
  • College Student – Any of your kids who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Federal Employees – Simply working for the federal government can save as much as 8% on F-250 insurance with certain companies.
  • Senior Discount – Older drivers may receive reduced rates on F-250 insurance.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will reduce the cost of coverage.

For a list of companies offering auto insurance discounts, click this link.

Don’t listen to company ads

Insurance companies such as Progressive, Allstate and Geico consistently run ads on TV and radio. They all seem to have a common claim that you’ll save big if you change to their company. How can each company claim to save you money? It’s all in the numbers.

Different companies have a preferred profile for the driver that is profitable for them. An example of a desirable insured might be profiled as a mature driver, has no tickets, and has excellent credit. A customer who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Consumers who don’t meet the “perfect” profile must pay higher rates which leads to business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save that much money. That is how insurance companies can confidently advertise the way they do.

This illustrates why you need to get quotes from several different companies. Because you never know which insurance company will give you the biggest savings on Ford F-250 insurance.

When should I talk to an agent?

When it comes to buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help you determine if your insurance needs might need professional guidance.

  • Is my nanny covered when driving my vehicle?
  • Am I covered when delivering products for my home-based business?
  • Do I need more liability coverage?
  • Is my trailer covered?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my friends covered when driving my car?
  • Which is better, split liability limits or combined limits?
  • Who is covered by my policy?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance policy specifics

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford F-250.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are similar to your liability insurance amounts.

Coverage for liability

This coverage can cover damage or injury you incur to people or other property. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like emergency aid, structural damage, pain and suffering and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like prosthetic devices, rehabilitation expenses, X-ray expenses and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, falling objects, a broken windshield, vandalism and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Feed the piggy bank

Cheaper 1998 Ford F-250 insurance is possible online and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, never reduce needed coverages to save money. There have been many cases where someone dropped liability limits or collision coverage only to regret at claim time that it was a big error on their part. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

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