2001 Ford F-250 Super Duty Insurance Rates – 6 Tricks for Best Quotes

Having to pay for overpriced Ford F-250 Super Duty insurance can dwindle your savings, especially in this economy. Performing a price comparison is a great way to reduce premiums and put more money in your pocket.

Because you have many insurance providers from which to choose, it is very difficult to pick the best company.

Finding the best rates is not rocket science. If you have car insurance now, you should be able to save some money using these tips. Nevertheless, vehicle owners benefit from understanding how big insurance companies sell insurance online and apply this information to your search.

Insurance coverage discounts are available to reduce your rates

Not many people think insurance is cheap, but there’s a good chance there are discounts that may help make it more affordable. Larger premium reductions will be automatically applied at quote time, but a few must be asked about before you will receive the discount.

  • Own a Home and Save – Owning a house can earn you a little savings because maintaining a house demonstrates responsibility.
  • Low Mileage Discounts – Driving less may allow you to get discounted prices on garaged vehicles.
  • No Accidents – Good drivers with no accidents have much lower rates in comparison to frequent claim filers.
  • Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Allstate, State Farm and GEICO permit an accident without raising rates if you are claim-free prior to being involved in the accident.
  • Drivers Ed for Students – Have your child enroll in driver’s education if it’s offered in school.
  • Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.

As is typical with insurance, some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A list of insurance coverage companies and their possible discounts are:

  • Progressive has discounts for multi-vehicle, good student, online quote discount, online signing, homeowner, and continuous coverage.
  • GEICO offers discounts for membership and employees, daytime running lights, air bags, emergency military deployment, multi-vehicle, and federal employee.
  • State Farm includes discounts for accident-free, passive restraint, good driver, student away at school, safe vehicle, defensive driving training, and Drive Safe & Save.
  • Esurance policyholders can earn discounts including emergency road assistance, defensive driver, online shopper, claim free, Switch & Save, and paid-in-full.
  • The Hartford may include discounts for air bag, good student, driver training, vehicle fuel type, defensive driver, and anti-theft.

If you want low cost auto insurance quotes, ask each company or agent how many discounts you can get. Discounts may not be offered in your area. For a list of insurers who offer insurance coverage discounts, click here.

Well known brands might not be cheapest

Respected companies like GEICO, State Farm and Progressive seem to constantly run television and radio advertisements. All the companies convey the message that you can save just by moving your car insurance policy to them. How do they all save you money? Here is the trick they use.

Many companies have a certain “appetite” for the type of customer that will add to their bottom line. An example of a profitable insured might be described as a female over age 40, insures multiple vehicles, and has great credit. A driver that fits those parameters will probably get cheap auto insurance rates and will most likely pay quite a bit less when switching companies.

Potential insureds who don’t meet this stringent profile must pay higher premiums which translates to the customer not purchasing. If you pay attention, the ads say “people that switch” not “everyone who quotes” save that kind of money. That’s the way companies can truthfully lure you into getting a quote. Different companies use different criteria so you absolutely need to get price quotes at each policy renewal. Because you cannot predict which insurance companies will fit you best based on your risk profile.

Everyone needs different car insurance coverages

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine whether you would benefit from professional advice.

  • Why do I only qualify for high-risk insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • If I drive on a suspended license am I covered?
  • Does my 2001 Ford F-250 Super Duty qualify for pleasure use?
  • Do I have newly-aquired coverage?
  • Do I need replacement cost coverage on my 2001 Ford F-250 Super Duty?
  • How can I find cheaper teen driver insurance?
  • Is my 2001 Ford F-250 Super Duty covered for smoke damage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Coverages available on your auto insurance policy

Knowing the specifics of auto insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages available from auto insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like X-ray expenses, doctor visits and ambulance fees. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford F-250 Super Duty.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

Collision coverage covers damage to your F-250 Super Duty caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, scraping a guard rail, hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, theft, a broken windshield, hail damage and rock chips in glass. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things such as repair bills for other people’s vehicles, emergency aid and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Save your cold hard cash

Throughout this article, we presented some good ideas how to compare 2001 Ford F-250 Super Duty insurance rates online. The most important thing to understand is the more quotes you get, the better your chances of lowering your auto insurance rates. Drivers may discover the lowest rates come from an unexpected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Cheaper car insurance can be sourced online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not have online price quotes and most of the time these regional insurance providers sell through independent insurance agents.

For more information, feel free to browse the resources below:

Comments About 2001 Ford F-250 Super Duty Insurance

  1. Anja Sears

    From west side of Fort Smith, AR. Quoted prices from Travelers, AIG Insurance, Hanover, and Nationwide for my F-250 Super Duty and I think I saved about $20 each month. Left USAA to switch. I increased coverages a little too. I don’t put full coverage on it.

  2. Stanton Hanson

    Lots of good stuff here. From east side of Tampa, FL. Checked online prices for a 2001 Ford F-250 Super Duty. Ended up at about $70 savings annually. Went with 21st Century. Was with Western Auto Insurance. I’m a pretty good driver though. It never hurts to quote around.

  3. Shawn Kent

    I live north of Burlington, VT. Can’t remember who all I quoted but I ended up saving about $30 each month. Insured with AIG Insurance before. Still almost need a second mortgage. When should I drop full coverage?

  4. Dawn Wong

    Lifelong resident of Baltimore, MD. Received rates from Auto-Owners, Erie, and Sentry for my F-250 Super Duty and I think I saved about $20 each month. Left Liberty Mutual to switch.

  5. Jessenia Mcknight

    Does 21st Century insure after a DUI?

  6. Randall Klein

    I’m in Worcester, Massachusetts and need high risk coverage. Help!

  7. Letha Steele

    If you don’t have tickets and live near Houston, TX, check out Progressive. They seem to be cheaper. Was with Hanover. I’m a pretty low risk driver. They were helpful in switching over.

  8. Lida Sparks

    Hope my car insurance gets cheaper. I live in a small town just outside of Providence, Rhode Island. Quoted with AIG Insurance, Erie, and MetLife for my 2001 Ford F-250 Super Duty and saved $89 a year. I got a quote from their website. I don’t put full coverage on it.

  9. Sheena Booker

    Liked the article. Live in Jacksonville, Florida. I quoted with The General, AAA, MetLife, and a couple others for my 2001 Ford F-250 Super Duty and saved $116 a year. Switched homeowners coverage too. I got a quote from their website. Just liability coverage since it’s getting old.

  10. Kerry Lowe

    All companies are crooks. From Billings, MT. Quoted rates from Progressive, AIG Insurance, and some I forget for my 2001 Ford F-250 Super Duty and I think I cut my rates about $20 each month. Hopefully won’t need it. I just carry liability insurance.

  11. Hershel Finch

    My 2001 Ford F-250 Super Duty is faster than yours.

  12. Cyndy Pacheco

    I found pretty cheap rate quotes for a 2001 Ford F-250 Super Duty in North Charleston, South Carolina. Ended up at darn near $70 every six months with Amica. A clean driving record helps. :P