It's astonishing, but about 70% of customers have remained with the same auto insurance company for more than four years, and nearly half have never compared rates with other companies. Many drivers in the United States could save almost $859 a year just by comparing rates, but they don't understand how simple it is to save money by comparing rate quotes.
The preferred way to find better pricing on Ford F-250 insurance is to compare prices at least once a year from different companies who sell insurance in El Paso.
- First, get an understanding of how your policy works and the modifications you can make to keep rates in check. Many things that cause high rates such as traffic tickets, fender benders, and a low credit rating can be rectified by improving your driving habits or financial responsibility. Later in this article we will cover information to help keep rates affordable and find missing discounts.
- Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agents can quote rates for many different companies. Select a company
- Third, compare the new quotes to your existing policy and see if you can save money. If you can save money and decide to switch, verify that coverage does not lapse between policies.
The most important part of this process is to use the same deductibles and limits on each quote request and and to get price estimates from as many car insurance companies as possible. Doing this enables an apples-to-apples comparison and the best price selection.
Ford F-250 insurance coverage information
The premium information below showcases different insurance coverage prices for Ford F-250 models. Being aware of how auto insurance policy rates are figured can help customers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $232 | $392 | $440 | $26 | $132 | $1,222 | $102 |
| F-250 XL Cabela Package 2WD | $262 | $462 | $440 | $26 | $132 | $1,322 | $110 |
| F-250 XL Super Cab 2WD | $262 | $462 | $440 | $26 | $132 | $1,322 | $110 |
| F-250 XLT 2WD | $262 | $462 | $440 | $26 | $132 | $1,322 | $110 |
| F-250 XL 4WD | $262 | $392 | $486 | $28 | $146 | $1,314 | $110 |
| F-250 XLT Super Cab 2WD | $262 | $462 | $440 | $26 | $132 | $1,322 | $110 |
| F-250 XL Super Cab Cabela Package 2WD | $262 | $462 | $440 | $26 | $132 | $1,322 | $110 |
| F-250 XL Harley Edition 2WD | $262 | $462 | $440 | $26 | $132 | $1,322 | $110 |
| F-250 XL Crew Cab 2WD | $262 | $462 | $440 | $26 | $132 | $1,322 | $110 |
| F-250 XLT 4WD | $262 | $462 | $486 | $28 | $146 | $1,384 | $115 |
| F-250 XL Cabela Package 4WD | $262 | $462 | $486 | $28 | $146 | $1,384 | $115 |
| F-250 XL Crew Cab 4WD | $262 | $462 | $486 | $28 | $146 | $1,384 | $115 |
| F-250 XL Super Cab 4WD | $262 | $462 | $486 | $28 | $146 | $1,384 | $115 |
| F-250 XL Crew Cab Cabela Package 2WD | $262 | $532 | $440 | $26 | $132 | $1,392 | $116 |
| F-250 XL Super Cab Harley Edition 2WD | $262 | $532 | $440 | $26 | $132 | $1,392 | $116 |
| F-250 XL Turbo Diesel 2WD | $262 | $532 | $440 | $26 | $132 | $1,392 | $116 |
| F-250 King Ranch Crew Cab 2WD | $262 | $532 | $440 | $26 | $132 | $1,392 | $116 |
| F-250 XLT Crew Cab 2WD | $262 | $532 | $440 | $26 | $132 | $1,392 | $116 |
| F-250 XL Super Cab Cabela Package 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 XLT Super Cab 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 XL Harley Edition 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 King Ranch Crew Cab 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 Lariat Crew Cab 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 XL Super Cab Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 XL Crew Cab Harley Edition 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 Lariat Super Cab 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 XLT Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 XL Cabela Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 XLT Turbo Diesel 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 XLT Crew Cab 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 XL Super Cab Turbo Diesel 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 XL Crew Cab Harley Edition 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 XL Cabela Turbo Diesel 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 Lariat Super Cab 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 XL Turbo Diesel 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 XL Super Cab Harley Edition 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 XL Harley Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| F-250 Lariat Crew Cab 4WD | $292 | $532 | $486 | $28 | $146 | $1,484 | $124 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $292 | $532 | $486 | $28 | $146 | $1,484 | $124 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $292 | $532 | $486 | $28 | $146 | $1,484 | $124 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $292 | $532 | $486 | $28 | $146 | $1,484 | $124 |
| F-250 Cabela Crew Cab 4WD | $292 | $532 | $486 | $28 | $146 | $1,484 | $124 |
| F-250 XL Harley Turbo Diesel 4WD | $292 | $532 | $486 | $28 | $146 | $1,484 | $124 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $292 | $532 | $486 | $28 | $146 | $1,484 | $124 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $292 | $602 | $440 | $26 | $132 | $1,492 | $124 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $322 | $532 | $486 | $28 | $146 | $1,514 | $126 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $322 | $532 | $486 | $28 | $146 | $1,514 | $126 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $322 | $532 | $486 | $28 | $146 | $1,514 | $126 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $322 | $532 | $486 | $28 | $146 | $1,514 | $126 |
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in specific location information which can decrease or increase insurance rates noticeably.
Gender differences in car insurance premiums
The diagram below visualizes the comparison of Ford F-250 annual premium costs for male and female drivers. The data is based on no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are factored in.
Why Smart Consumers Pay Less for Ford F-250 Insurance
Many factors are part of the calculation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but some are not quite as obvious like where you live or your financial responsibility. A large part of saving on auto insurance is knowing some of the things that go into determining the level of your policy premiums. If you know what impacts premium levels, this allows you to make good choices that may reward you with cheaper rates.
The following are most of the major factors used by your company to calculate rates.
- Single drivers may pay higher premiums - Having a spouse helps lower the price when shopping for auto insurance. Marriage generally demonstrates drivers are less irresponsible and it's proven that being married results in fewer claims.
- A coverage lapse is a bad thing - Not maintaining insurance is a misdemeanor and any future policy may cost more because you let your insurance lapse for non-payment. And not only will your rates increase, failure to provide proof of insurance could earn you fines or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Texas DMV.
- Lower rates by increasing physical damage deductibles - Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of claims that would be covered could be collision with another vehicle, vandalism, and having your car stolen. Your deductibles tell how much you are willing to pay if the claim is covered. The more damage repair cost the insured is willing to pay, the bigger discount you will receive.
- Theft deterrents save - Owning a car with a theft deterrent system can earn a premium discount. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder vehicle theft.
Good drivers pay the best rates - Careful drivers pay less for auto insurance compared to bad drivers. Getting just one driving citation can increase rates by as much as twenty percent. Drivers who have dangerous tickets such as DUI, reckless driving or excessive speeding may be required to complete a SR-22 with their state's licensing department in order to legally drive a vehicle.
The information below demonstrates how traffic citations and at-fault collisions can raise Ford F-250 auto insurance rates for different categories of driver ages. Data assumes a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
- Drive a safer car and pay less - Safe vehicles tend to have lower insurance rates. Vehicles built for safety reduce occupant injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates.
The type of vehicle makes a difference - The performance of the car, truck or SUV you drive makes a substantial difference in how high your rates are. Low performance passenger models usually have the lowest rates, but there are many factors that impact the final cost.
The next chart uses these assumptions: single female driver age 50, full coverage with $500 deductibles, and no discounts or violations. The chart compares Ford F-250 car insurance rates compared to other models that have different performances.
- Put fewer miles on your vehicle - Driving more miles every year the higher the price you pay to insure it. Many insurance companies price each vehicle's coverage based on their usage. Cars and trucks that have low annual miles get more affordable rates than vehicles that have high annual mileage. Verify your auto insurance policy reflects the correct usage. Having an incorrect usage rating on your F-250 is just wasting money.
Ford F-250 insurance loss statistics - Insurers analyze claim trends for every vehicle to help calculate premium rates. Vehicles that the data shows to have a trend towards higher claim severity or frequency will have increased rates.
The next table shows the historical loss data for Ford F-250 vehicles. For each coverage category, the claim probability for all vehicles averaged together equals 100. Values under 100 suggest a positive loss record, while values that are above 100 indicate a higher chance of having a claim or tendency to have larger claims.
Insurance Loss Ratings for Ford F-250 Vehicles Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Ford F-250 4WD 58 97 85 Ford F-250 SuperCab 2WD 55 90 Ford F-250 SuperCab 4WD 72 118 71 48 Ford F-250 SuperCrew 2WD 75 101 125 Ford F-250 SuperCrew 4WD 86 132 176 44 44 90 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Frequent quotes can save
When searching for low cost El Paso auto insurance quotes, do not reduce needed coverages to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage only to discover later that they should have had better coverage. Your strategy should be to buy the best coverage you can find for the lowest cost, but do not skimp to save money.
We covered many ideas to shop for Ford F-250 insurance online. It's most important to understand that the more price quotes you have, the better your comparison will be. You may even discover the best auto insurance rates are with some of the lesser-known companies. Some small companies may only write in your state and offer lower premium rates as compared to the big name companies such as GEICO and State Farm.
The cheapest Ford F-250 insurance in El Paso is attainable from both online companies and also from your neighborhood El Paso agents, and you should compare price quotes from both to have the best selection. A few companies don't offer rates over the internet and many times these small insurance companies only sell through independent insurance agencies.
More detailed car insurance information is located in these articles:
- Car Insurance FAQ (Trusted Choice)
- Help Your Teen Be a Better Driver (State Farm)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- All About Airbag Safety (State Farm)
- Tools for Teen Driving Safety (State Farm)