View 2016 Ford F-250 Super Duty Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 4, 2024

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Want better insurance rates for your Ford F-250 Super Duty? Trying to find better insurance prices for a Ford F-250 Super Duty can be difficult, but you can learn the following methods and make it easy. There are more efficient ways to compare insurance rates and you need to know the best way to get price quotes on a Ford and get the lowest price from both online companies and local agents.

Drivers save money with with these discounts

Insuring your fleet can be pricey, but you may be missing some discounts that could help you make your next renewal payment. Some discounts will apply at quote time, but some need to be inquired about prior to getting the savings.

  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and will save you 10% or more.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft so companies will give you a small discount.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts as much as 30%.
  • Bundled Policy Discount – When you have multiple policies with the same company you may save approximately 10% to 15%.
  • Defensive Driver – Successfully completing a safe driver class can save you 5% or more if you qualify.
  • Auto/Life Discount – Insurance companies who offer life insurance give a small discount if you purchase a life policy as well.

Discounts lower rates, but most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free insurance policy, companies don’t profit that way.

Companies and a selection of discounts can be read below.

  • AAA has discounts for anti-theft, pay-in-full, education and occupation, multi-policy, AAA membership discount, multi-car, and good student.
  • Progressive has savings for multi-policy, multi-vehicle, online quote discount, continuous coverage, and online signing.
  • State Farm discounts include defensive driving training, accident-free, student away at school, good driver, and multiple autos.
  • Esurance policyholders can earn discounts including emergency road assistance, good student, multi-car, renters, and good driver.
  • Nationwide offers premium reductions for family plan, Farm Bureau membership, anti-theft, multi-policy, and good student.

If you are trying to find the cheapest insurance coverage quotes, ask each insurance company which discounts you may be entitled to. Some discounts may not be offered in your area. To see companies that can offer you the previously mentioned discounts, enter your zip code here.

How you can control Ford F-250 Super Duty insurance rates

Lots of things are used in the calculation when you get a price on insurance. Some are obvious such as your driving record, although others are not as apparent such as your credit history or your vehicle rating.

The list below includes some of the things used by companies to determine your prices.

  • Vehicle options that cut rates – Selecting a car model that has an advanced theft prevention system can earn a premium discount. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft.
  • Marriage is a good thing – Having a wife or husband may cut your premiums on your policy. Marriage means you’re more financially stable and insurance companies like that drivers who are married file infrequent claims.
  • Safer vehicles cost less to insure – Safer cars tend to have better insurance rates. The safest vehicles reduce the chance of injuries and reduced instances of injuries means lower claim amounts which can result in lower premiums. If your Ford F-250 Super Duty has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Rates increase with driving citations – Having a clean driving record impacts premiums far more than you think. Drivers with clean records get better rates as compared to careless drivers. Getting just one moving violation can increase rates substantially. People who have dangerous citations like reckless driving, hit and run or driving under the influence are required to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Bundle policies and save money – Most larger companies will award lower prices to people that buy multiple policies, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to compare other insurance prices to guarantee you are still saving the most. Drivers may still find lower rates by insuring with multiple companies.
  • Drive less and save – The more you drive in a year’s time the more you will pay for insurance. Almost all companies calculate rates based upon how much you drive. Cars used primarily for pleasure use qualify for better rates than those used for commuting. Verify your insurance policy reflects the correct driver usage. Incorrect rating for your F-250 Super Duty can result in significantly higher rates.
  • Your liability protection limits – Your insurance policy’s liability coverage provides coverage if a jury decides you are liable for an accident. Your liability coverage provides for a legal defense to defend your case. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.
  • Big city or small town – Being located in less populated areas can be a good thing when trying to find low car insurance rates. People in densly populated areas have much more traffic and a longer drive to work. Less people living in that area means reduced accidents and lower theft and vandalism rates.

Your situation helps dictate your coverage

When buying the best insurance coverage coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Does my 2016 Ford F-250 Super Duty qualify for pleasure use?
  • Can I make deliveries for my home business?
  • Does my personal policy cover me when driving out-of-state?
  • How much liability coverage do I need in my state?
  • Does coverage extend to Mexico or Canada?
  • Am I better off with higher deductibles on my 2016 Ford F-250 Super Duty?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, complete your zip code. It’s fast, free and you can get the answers you need.

Are car insurance companies telling the truth?

Consumers can’t get away from ads for the lowest price car insurance by companies like 21st Century, Allstate and State Farm. All the ads make the same claim that drivers will save a bundle if you move your policy.

How can each company have lower policy pricing?

Car insurance companies quote their best rates for the right customer that will generate a profit. A good example of a profitable insured could be between the ages of 30 and 45, has no prior claims, and has excellent credit. Any customer who fits those characteristics will get very good auto insurance rates and therefore will save if they switch.

People who are not a match for those standards may receive a higher premium with the end result being the customer not purchasing. If you listen to the ad wording, they say “people that switch” not “everyone who quotes” save that much when switching. That’s the way insurance companies can confidently advertise the savings. This emphasizes why drivers must get a wide range of price quotes. It’s not possible to predict which company will be your best fit.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision protection

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

Collision insurance covers things like hitting a parking meter, sideswiping another vehicle, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Ford F-250 Super Duty.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like surgery, funeral costs, EMT expenses, doctor visits and ambulance fees. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, falling objects, damage from flooding and rock chips in glass. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This coverage will cover damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like court costs, funeral expenses, structural damage and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Find Good Coverage for Less

People leave their current company for a variety of reasons including policy non-renewal, poor customer service, being labeled a high risk driver or even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced collision coverage and discovered at claim time they didn’t purchase enough coverage. The goal is to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.

Discount 2016 Ford F-250 Super Duty insurance is possible online as well as from independent agents, so get free insurance coverage quotes from both of them to get a complete price analysis. A few companies may not offer internet price quotes and many times these smaller providers sell through independent agents.

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