2018 Ford F-250 Super Duty Car Insurance Quotes – 9 Ideas for Cheapest Rates

Comparing and finding low cost premium rates for Driverscar insurance is kind of frustrating for beginners to online rate comparisons. Consumers have so many options that it can easily be a real challenge to locate the lowest premium rates.

It’s a good habit to compare prices once or twice a year because car insurance prices fluctuate regularly. Just because you had the lowest rates on F-250 Super Duty coverage at your last renewal you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because you’re about to find out the best methods to reduce your cost while improving coverage.

Compare auto insurance quotes online

There are a lot of ways to shop for auto insurance, and some are easier and takes less work. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use the web to get prices fast.

Many insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and each participating company then returns a price quote based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

To participate in this free quote system, click to open in new window.

The one disadvantage to pricing coverage this way is you can’t choose the providers you want to price. So if you prefer to choose specific insurance companies to request quotes from, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just be certain you are entering exactly the same coverages for each comparison quote. If you use unequal deductibles or liability limits then you won’t be able to decipher which rate is best. Just slight variations in insurance coverages can result in a big premium difference. It’s important to know that comparing more rates from different companies will increase your chances of finding a lower rate.

The ad said I’d save $451 a year!

Popular insurance providers such as Progressive, Allstate and Geico continually stream ads in print and on television. All the ads say the same thing of big savings just by moving your policy. How do they all charge you less for car insurance? This is the trick they use.

Many companies have underwriting criteria for the type of driver that will not have excessive claims. One example of this type of risk profile could be between the ages of 30 and 50, has no claims, and drives less than 7,500 miles a year. Any customer that matches those criteria will get the preferred rates and will most likely save a lot if they switch.

Consumers who may not quite match these criteria will probably have to pay higher rates and this can result in the driver buying from a lower-cost company. Company advertisements say “people that switch” not “everyone that quotes” save that kind of money. That’s why companies can make those statements.

This emphasizes why it’s extremely important to compare quotes as often as possible. It’s just too difficult to predict which insurance company will give you lower prices than your current company.

Discounts can really help lower rates

Car insurance is easily one of your largest bills, but there are discounts available that you may not know about. Many of these discounts will be applied automatically at the time of purchase, but some need to be asked for before being credited. If you do not check that you are getting every discount possible, you may be paying too high a price.

  • Telematics Data – Insureds that choose to allow their insurance company to look at where and when they drive remotely like Allstate’s Drivewise may get a rate reduction if they exhibit good driving behavior.
  • Accident Forgiveness Coverage – Not a discount per se, but some companies like Allstate and Progressive will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
  • Discount for Home Ownership – Owning a house can save a few bucks since home ownership shows financial diligence.
  • Good Students Pay Less – Performing well in school may save as much as 25% on a insurance quote. Many companies even apply the discount to college students well after school through age 25.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course in high school.
  • ABS Braking Discount – Cars and trucks that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Defensive Driving Course – Passing a course teaching defensive driving skills could earn you a small percentage discount if your company offers it.
  • Multiple Policy Discount – If you can combine your auto and home policy with one company they may give you a discount of up to 20% and get you cheap insurance.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates on F-250 Super Duty coverage than their less cautious counterparts.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think adding up those discounts means a free policy, it doesn’t quite work that way.

A list of car insurance companies and a summarized list of policyholder discounts can be found below.

  • Farmers Insurance has savings for multi-car, good student, electronic funds transfer, early shopping, youthful driver, and distant student.
  • Esurance offers discounts including claim free, good driver, multi-policy, defensive driver, homeowner, Switch & Save, and DriveSense.
  • State Farm offers discounts for Drive Safe & Save, defensive driving training, good student, passive restraint, and anti-theft.
  • Geico may offer discounts for membership and employees, air bags, military active duty, anti-lock brakes, anti-theft, and emergency military deployment.
  • Allstate includes discounts for utility vehicle, premier discount, new car, auto/life discount, senior citizen, farm vehicle, and good student.

When quoting, ask every company how many discounts you can get. Some of the earlier mentioned discounts might not apply in your state. To locate companies that offer some of these discounts, click this link.

Will just any policy work for me?

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • What if I owe more than I can insure my car for?
  • Am I getting all the discounts available?
  • Is motorclub coverage worth it?
  • Can I make deliveries for my home business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I waive the damage coverage when renting a car?
  • Can my babysitter drive my car?
  • What is the ISO rating for a 2018 Ford F-250 Super Duty?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverages explained

Knowing the specifics of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for X-ray expenses, ambulance fees, funeral costs and dental work. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision coverage covers damage to your F-250 Super Duty resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, hitting a parking meter, colliding with a tree, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.


Liability insurance protects you from damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair bills for other people’s vehicles, funeral expenses, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, hitting a deer, vandalism, hitting a bird and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford F-250 Super Duty.

Due to the fact that 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 a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Keep this in mind

Drivers who switch companies do it for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, an unsatisfactory settlement offer and even delays in paying claims. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

When getting insurance quotes online, you should never skimp on coverage in order to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. The aim is to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

We’ve covered quite a bit of information on how to compare 2018 Ford F-250 Super Duty insurance prices online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even discover the biggest savings come from an unexpected company.

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Comments About 2018 Ford F-250 Super Duty Insurance

  1. Lizette Benson

    I live just to the east of Madison, WI. Compared rates from a lot of places. Saved about $40 a month. Progressive was the best choice for me. Left The General to switch.

  2. Elaina Clark

    I went with GEICO at renewal. Best rates in Milwaukee, WI. They were helpful in switching over.