Insurance Analysis of the 2012 Ford F-Series Truck
Keeping to the smaller trucks in the Ford F-Series line looks like it could help keep your insurance down.
The F-150 is just one of the many models in the F-Series line.
There are quite a few different makes, sizes and model in the Ford F-Series line. They range from the smaller F-150 truck all the way up to the F-450. Some of these vehicles have 4WD, some are supercrew cabs, and others are regular cabs – and each comes with a different insurance premium.
When it comes to purchasing insurance for one of these trucks though, you will find the smaller the better.
Highway Loss Data Institute Ford F-Series Loss Experience
Insurance companies use the data compiled by the Highway Loss Data Institute (HLDI) to adjust the base rates of what they are going to charge you for insurance on your vehicle. The following rates are set as anything above 100 reflects a collision loss experience that is worse than average. For example, a vehicle that has a rating of 113 has a 13% worse collision loss experience than average. Anything below a 100 represents a collision loss experience that is better than average.
The worse the collision loss experience rating, the higher the insurance premium could be for the vehicle. Ultimately though, the greatest factors that will determine your insurance rates are where you live and your own personal information.
But, because we can’t rate all of you, here’s how the HLDI rated the Ford F-Series trucks:
| F-150 | 58 |
| F-150 4WD | 60 |
| F-150 Super Cab | 69 |
| F-150 Super Cab 4WD | 73 |
| F-150 Supercrew | 72 |
| F-150 Supercrew 4WD | 74 |
| F-250 4WD | 75 |
| F-350 4WD | 77 |
| F-250 Supercab | 70 |
| F-250 Supercab 4WD | 86 |
| F-350 Supercab 4WD | 122 |
| F-250 Crew | 78 |
| F-450 Crew 4WD | 102 |
| F-250 Crew 4WD | 107 |
| F-350 Crew 4WD | 114 |
| F-350 Crew | 127 |
(For model years 2009-2011)
Ford F-Series Vehicle Recall
You may not think that a vehicle recall would affect your insurance coverage, but it will determine who will pay your claim. If your car accident resulted from a recalled part malfunctioning, the company that made the vehicle is responsible for the accident.
So, just like when another driver is responsible for an accident, if you file a claim with your insurance company you will be responsible for your deductible. You will only get your deductible back once your insurance company has put the claim through subrogation and recovered what they paid to repair your vehicle. Your only other course of action is trying to file a claim directly with the auto manufacturer.
To avoid all of this, get your vehicle fixed as soon as you have been notified of the recall. It is better to be a little inconvenienced and have a recall issue resolved, instead of having to deal with the much large inconvenience of a resulting car accident.
The Ford F-Series currently has a recall for the 2011 F-150 and the F-250, F-350, F-450 and F-550 from 2012. The recall is due to a defective, brake shift interlock switch. Because this part doesn’t work like it should the driver can shift the vehicle out of park without pressing down on the brake pedal. Without this safety mechanism the Ford F-Series truck could move before the driver is ready and hit another vehicle or a pedestrian.
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