We don’t have to point out that fact that auto insurance companies don’t want you to look at other companies. Consumers who get comparison quotes once a year will probably switch companies because of the good chance of finding more affordable rates. A recent study showed that people who did price comparisons regularly saved $3,450 over four years as compared to drivers who never shopped around for lower prices.
If finding low prices for Ford F-250 insurance is why you’re reading this, then having a good understanding how to compare car insurance can save time and money.
If saving money is your primary concern, then the best way to find cheaper Ford F-250 insurance in Orlando is to begin comparing prices regularly from different companies who sell insurance in Florida.
- Read about how companies set rates and the things you can change to prevent expensive coverage. Many rating factors that cause high rates such as speeding and a low credit score can be eliminated by making minor changes in your lifestyle. Read the full article for ideas to help reduce prices and find discounts that you may qualify for.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive and State Farm, while independent agents can provide prices for a wide range of insurance providers.
- Compare the new rate quotes to your existing policy to determine if you can save on F-250 insurance in Orlando. If you find a lower rate and make a switch, verify that coverage does not lapse between policies.
- Notify your agent or company to cancel your current auto insurance policy. Submit a completed policy application and payment for your new policy. Immediately place the new proof of insurance certificate with your registration paperwork.
One piece of advice is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on every quote and and to get prices from as many carriers as you can. This ensures an apples-to-apples comparison and a complete price analysis.
To find more affordable prices, there are a couple of ways to compare quotes from many available auto insurance companies in Florida. The recommended way to find affordable Ford F-250 insurance rates involves getting comparison quotes online.
Doing online quotes comparisons is so easy that it replaces the need to physically go to each insurance agency near you. Comparing online rate quotes eliminates this option unless you want the professional advice of a local Orlando agent. However, consumers can price shop your coverage online but have your policy serviced through an agent. Keep in mind that quoting more increases your odds of finding the best price.
The companies shown below are our best choices to provide price comparisons in Orlando, FL. If you want to find cheap auto insurance in Orlando, FL, it’s highly recommended you compare several of them to get the cheapest price.
Get lower-cost Ford F-250 insurance in Orlando with discounts
Buying car insurance is not cheap, but you might be missing out on some discounts that you may not even be aware of. Many discounts should be triggered when you complete an application, but once in a while a discount must be asked about before being credited.
- Multiple Cars – Buying insurance for multiple cars with the same company can reduce the rates for all insured vehicles.
- Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as GEICO, Allstate and Liberty Mutual will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.
- Resident Student – Youth drivers who are enrolled in a college that is more than 100 miles from Orlando and do not take a car to college could qualify for this discount.
- Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
- Discounts for Good Drivers – Drivers without accidents can pay as much as 50% less than drivers with accident claims.
- Defensive Driving Course – Taking part in a driver safety course may get you a small discount and easily pay for the cost of the class.
- Club Memberships – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on your next car insurance statement.
- Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
- Life Insurance – Insurance carriers who offer life insurance give a break if you buy some life insurance in addition to your auto policy.
- Driver’s Education for Students – Require your teen driver to participate in a local driver’s education class in school or through a local driver safety program.
It’s important to understand that many deductions do not apply to the whole policy. Most cut individual premiums such as comp or med pay. Even though it appears all the discounts add up to a free policy, you’re out of luck.
The example below shows the comparison of Ford F-250 auto insurance costs with and without some available policy discounts. The costs are based on a male driver, no claims or violations, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-car, multi-policy, and marriage discounts applied.
Some of the insurance companies that may offer most of these discounts are:
When comparing rates, check with every insurance company the best way to save money. Some of the discounts discussed earlier may not apply to policies in Orlando. To see a list of providers that offer some of these discounts in Orlando, click here.
Ford F-250 insurance rate analysis
The coverage information shown next outlines detailed analysis of insurance prices for Ford F-250 models. Having a good understanding how insurance quotes are established is important for you to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $154 | $284 | $444 | $26 | $132 | $1,040 | $87 |
| F-250 XL Cabela Package 2WD | $174 | $334 | $444 | $26 | $132 | $1,110 | $93 |
| F-250 XL Super Cab 2WD | $174 | $334 | $444 | $26 | $132 | $1,110 | $93 |
| F-250 XLT 2WD | $174 | $334 | $444 | $26 | $132 | $1,110 | $93 |
| F-250 XL 4WD | $174 | $284 | $490 | $30 | $146 | $1,124 | $94 |
| F-250 XLT Super Cab 2WD | $174 | $334 | $444 | $26 | $132 | $1,110 | $93 |
| F-250 XL Super Cab Cabela Package 2WD | $174 | $334 | $444 | $26 | $132 | $1,110 | $93 |
| F-250 XL Harley Edition 2WD | $174 | $334 | $444 | $26 | $132 | $1,110 | $93 |
| F-250 XL Crew Cab 2WD | $174 | $334 | $444 | $26 | $132 | $1,110 | $93 |
| F-250 XLT 4WD | $174 | $334 | $490 | $30 | $146 | $1,174 | $98 |
| F-250 XL Cabela Package 4WD | $174 | $334 | $490 | $30 | $146 | $1,174 | $98 |
| F-250 XL Crew Cab 4WD | $174 | $334 | $490 | $30 | $146 | $1,174 | $98 |
| F-250 XL Super Cab 4WD | $174 | $334 | $490 | $30 | $146 | $1,174 | $98 |
| F-250 XL Crew Cab Cabela Package 2WD | $174 | $384 | $444 | $26 | $132 | $1,160 | $97 |
| F-250 XL Super Cab Harley Edition 2WD | $174 | $384 | $444 | $26 | $132 | $1,160 | $97 |
| F-250 XL Turbo Diesel 2WD | $174 | $384 | $444 | $26 | $132 | $1,160 | $97 |
| F-250 King Ranch Crew Cab 2WD | $174 | $384 | $444 | $26 | $132 | $1,160 | $97 |
| F-250 XLT Crew Cab 2WD | $174 | $384 | $444 | $26 | $132 | $1,160 | $97 |
| F-250 XL Super Cab Cabela Package 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 XLT Super Cab 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 XL Harley Edition 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 King Ranch Crew Cab 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 Lariat Crew Cab 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 XL Super Cab Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 XL Crew Cab Harley Edition 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 Lariat Super Cab 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 XLT Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 XL Cabela Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 XLT Turbo Diesel 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 XLT Crew Cab 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 XL Super Cab Turbo Diesel 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 XL Crew Cab Harley Edition 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 XL Cabela Turbo Diesel 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 Lariat Super Cab 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 XL Turbo Diesel 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 XL Super Cab Harley Edition 4WD | $192 | $334 | $490 | $30 | $146 | $1,192 | $99 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 XL Harley Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $192 | $384 | $444 | $26 | $132 | $1,178 | $98 |
| F-250 Lariat Crew Cab 4WD | $192 | $384 | $490 | $30 | $146 | $1,242 | $104 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $192 | $384 | $490 | $30 | $146 | $1,242 | $104 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $192 | $384 | $490 | $30 | $146 | $1,242 | $104 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $192 | $384 | $490 | $30 | $146 | $1,242 | $104 |
| F-250 Cabela Crew Cab 4WD | $192 | $384 | $490 | $30 | $146 | $1,242 | $104 |
| F-250 XL Harley Turbo Diesel 4WD | $192 | $384 | $490 | $30 | $146 | $1,242 | $104 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $192 | $384 | $490 | $30 | $146 | $1,242 | $104 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $192 | $436 | $444 | $26 | $132 | $1,230 | $103 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $212 | $384 | $490 | $30 | $146 | $1,262 | $105 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $212 | $384 | $490 | $30 | $146 | $1,262 | $105 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $212 | $384 | $490 | $30 | $146 | $1,262 | $105 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $212 | $384 | $490 | $30 | $146 | $1,262 | $105 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in specific location information which can lower or raise auto insurance rates significantly.
The illustration below shows how choosing a deductible and can change Ford F-250 annual premium costs for different age categories. The data assumes a married male driver, comp and collision included, and no additional discounts are factored in.
Insurance premiums based on gender
The information below compares Ford F-250 insurance rates for male and female drivers. The premiums assume no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, single status, and no discounts are applied.
How much more does full coverage cost?
The information below shows the comparison of Ford F-250 auto insurance rates with and without full coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no specific rule to delete physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s pretend your Ford F-250 replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after the policy deductible has been paid. If you are paying over $700 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where only buying liability is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Smart Consumers Can Save Money
Lots of factors are used when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other factors are less obvious like where you live or your commute time.
The list below includes a partial list of the pieces auto insurance companies consider when setting your prices.
- You might want pay the inexpensive policy claims yourself – If you frequently file small claims, you shouldn’t be surprised to get higher rates. Insurance companies in Florida give better rates to drivers who file claims infrequently. Auto insurance is intended to be relied upon for the large, substantial claims.
- A coverage lapse can increase auto insurance rates – Driving your car without having proper coverage is against the law and auto insurance companies will penalize you for letting your insurance coverage expire. Not only will you pay more, failure to provide proof of insurance might get you a steep fine or even jail time. You may have to submit proof of financial responsibility or a SR-22 with the Florida DMV.
- Higher coverage deductibles are cheaper – Physical damage protection, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Some examples of claims that would be covered could be collision with another vehicle, damage from fire, and damage caused by flying debris. Comprehensive and collision coverage deductibles are how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The larger the amount you’re willing to pay, the lower your rates will be.
- Get married and get better premiums – Your spouse actually saves money on your auto insurance bill. Marriage is viewed as being more mature and responsible and insurance companies reward insureds because drivers who are married file infrequent claims.
-
Premiums go up with performance – The make and model of the vehicle you need insurance for makes a huge difference in your rates. The lowest rates are for smaller low performance passenger models, but the final cost of insurance is determined by many other factors.
The next chart assumes a married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. The chart compares Ford F-250 insurance premiums compared to other models that have a range of performance risks.
-
Insurance loss data for Ford F-250 vehicles – Insurers analyze historical claim data to calculate a price that will offset any claims. Vehicles that the data shows to have high amounts or severity of claims will cost more to insure. The information below illustrates the loss history for Ford F-250 vehicles.
For each coverage category, the statistical loss for all vehicles, regardless of manufacturer or model, equals 100. Values under 100 imply a favorable loss record, while numbers above 100 indicate higher probability of having a loss or a tendency for claims to be larger.
Insurance Loss Ratings for Ford F-250 Vehicles 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