View 2007 Ford F-250 Super Duty Car Insurance Rates

Locating better insurance prices for a Ford F-250 Super Duty can be difficult, but you can learn the following methods to make it easier. There are more efficient ways to compare insurance rates so you’re going to learn the quickest way to get price quotes on a Ford and get the lowest possible price from both online companies and local agents.

Choices you make can impact your insurance rates

Consumers need to have an understanding of the rating factors that go into determining your auto insurance rates. If you have a feel for what impacts premium levels, this allows you to make educated decisions that may reward you with better auto insurance rates.

  • GPS tracking and theft deterrents systems cut prices – Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft and help bring rates down.
  • Low deductibles cost more – Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your Ford. Some examples of covered claims would be a windshield shattered by a rock, damage from fire, and windstorm damage. The deductibles tell how much you are required to pay if a covered claim is submitted. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be on F-250 Super Duty coverage.
  • Get better rates if married – Your spouse actually saves money compared to being single. Having a spouse usually means you are more mature and statistics prove drivers who are married are more cautious.
  • Costs are affected by your address – Having an address in areas with lower population has definite advantages when insuring your vehicles. City drivers have to deal with much more traffic and much longer commute distances. Fewer drivers and short commutes means reduced accidents and also fewer theft and vandalism claims.

The most recommended method to compare car insurance rates is to know the trick car insurance companies allow for online access to give you rate quotes. The only thing you need to do is provide a small amount of information including if your license is active, whether the vehicles are used for commuting, if the car is leased, and marital status. The rating information is instantly submitted to multiple insurance providers and they provide comparison quotes very quickly.

Cheaper rates with discounts

Auto insurance companies don’t always publicize all available discounts in an easy-to-find place, so here is a list both well-publicized and also the lesser-known discounts you could be receiving when you buy insurance coverage online. If you check and find you aren’t receiving every discount possible, you are just wasting money.

  • Multiple Policy Discount – When you have multiple policies with one company you could earn a discount of up to 20% and get you inexpensive insurance coverage.
  • Mature Driver Discount – If you’re over the age of 55, you may receive lower premium rates on F-250 Super Duty coverage.
  • Sign Online – Some auto insurance companies will give you a small discount simply for signing on the web.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Home Ownership Discount – Just being a homeowner can get you a discount because of the fact that having a home shows financial diligence.
  • Multi-car Discount – Purchasing coverage when you have several vehicles with the same company can reduce the rates for all insured vehicles.
  • Claim-Free Discount – Insureds who avoid accidents and claims have much lower rates as compared to insureds who have frequent claims or accidents.
  • Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college could qualify for this discount.
  • Early Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you can actually save on your bill.
  • Employee of Federal Government – Active or former government employment could qualify for a slight premium decrease on F-250 Super Duty coverage with a few auto insurance companies.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, that’s just not realistic.

To see a list of insurers that offer many of these discounts, click here to view.

What is the best insurance coverage coverage?

When buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.

These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • Can I afford to pay high deductible claims out of pocket?
  • Is extra glass coverage worth it?
  • Do I need to file an SR-22 for a DUI in my state?
  • What if I total my 2007 Ford F-250 Super Duty and owe more than it’s worth?
  • Is business equipment covered while in my vehicle?
  • If my 2007 Ford F-250 Super Duty is totaled, can I afford another vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages explained

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision – This coverage covers damage to your F-250 Super Duty resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, crashing into a building, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Liability coverages – This will cover damage that occurs to other people or property. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as bail bonds, medical services, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from 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 pays for claims such as falling objects, hitting a bird, a tree branch falling on your vehicle, hitting a deer and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP – Med pay and PIP coverage pay for short-term medical expenses like hospital visits, nursing services and pain medications. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Saving money is sweet as honey

Discount 2007 Ford F-250 Super Duty insurance is attainable from both online companies and from local agencies, and you need to price shop both to get a complete price analysis. Some insurance providers don’t offer online rate quotes and these small, regional companies prefer to sell through independent agencies.

As you restructure your insurance plan, never reduce coverage to reduce premium. In many cases, an insured dropped comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The proper strategy is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

You just read some good ideas how to compare 2007 Ford F-250 Super Duty insurance premium rates online. The key concept to understand is the more you quote insurance coverage, the higher the chance of saving money. Consumers could even find that the lowest premium rates come from a company that doesn’t do a lot of advertising.

More tips and info about auto insurance can be read at these sites:

Comments About 2007 Ford F-250 Super Duty Insurance

  1. Lucius Rutledge

    My F-250 Super Duty is faster than yours.

  2. Margret Marshall

    Hope my car insurance gets cheaper. I live just to the east of Rochester, MN. Don’t remember every company but I ended up saving about $60 each month. Teenage drivers are expensive! Just go online and compare their rates.

  3. Dino Bryant

    Compared auto insurance prices with Allstate and GEICO but still not cheap enough.

  4. Lisa Rogers

    From Fairbanks, AK. Received quotes with Allstate, The General, and Encompass for my Ford and saved just over $250 a year. Was with Safeco. Even increased coverage a bit.

  5. Alla Graham

    Checking in from Los Angeles, CA. I got free prices from GEICO, Auto-Owners, and Encompass for my F-250 Super Duty and saved $507 a year. They have free quotes online.

  6. Nelda Baker

    Lifelong resident of Jacksonville, FL. Got quotes with Progressive, Eastwood, and Hartford for my Ford and saved $324 a year. I think they have home insurance too. You can get a rate quote online.

  7. Odis Joseph

    Compared rates with Progressive and Auto-Owners but still pricey.

  8. Shelba Norman

    Does Allstate use ACV or replacement cost?

  9. Shanae Dillon

    Got pretty cheap 2007 Ford F-250 Super Duty insurance from Progressive in Fairbanks, Alaska.

  10. Alfredo Baxter

    If you have a good history and live in the vicinity of Charleston, WV, check out Allstate. You might get cheaper rates. I got a quote from their website.

  11. Patria Cash

    I found affordable 2007 Ford F-250 Super Duty insurance from State Farm in Eugene, OR.

  12. Merrill Ayers

    I found pretty cheap rate quotes for a 2007 Ford F-250 Super Duty in Boston, MA. Ended up at right around $290 every six months with Auto-Owners. Left Hanover to switch. Good savings if you bundle.

  13. Latrisha Frazier

    Great site. Checking in from Indianapolis, Indiana. I quoted with 21st Century, The General, and Farmers for my Ford and I’m now saving $65 a month. I think they have home insurance too. I used their website to get prices.

  14. Earlean Nicholson

    Why are claims settled so low?

  15. Jewell Dean

    Great site. Checking in from Sioux Falls, SD. Quoted a bunch of companies. Saved about $30 a month. Allstate was the cheapest for me. Left State Farm to switch. I used their website to get prices.

  16. Von Roach

    I went with Allstate at renewal. Best rates in Henderson, NV. I have several vehicles insured with them. I quoted rates online then called them.

  17. Francesca Owens

    Well-written and thought out article. I’m in the north part of Nashville, TN. Not sure of all the companies but I ended up saving about $60 each month. I’m a pretty good driver though. God forbid I actually have a claim.

  18. Jacqueline Hines

    Here’s what I found out. Got a quote with Eastwood for my F-250 Super Duty and saved about $500 a year. Was with Esurance. :)

  19. Merrilee Mcknight

    I switched to Allstate. Quoted good rates in Parkersburg, West Virginia. Left MetLife to switch. Even increased my liability limits.