Are you tired of overpaying and want lower-priced Ford F-250 insurance in Austin? Trying to find cheaper insurance for a Ford F-250 in Texas can turn out to be a painful process, but you can use a few tricks to find lower rates. There is a better way to compare car insurance rates and you need to know the best way to quote coverages for a new or used Ford and get the lowest price from Austin insurance agents and online providers.
Consumers should take time to do rate comparisons once or twice a year because insurance prices trend upward over time. Just because you had the best deal on Ford F-250 insurance in Austin a few years ago 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 learn the fastest and easiest way to lower your rates without sacrificing coverage.
Choosing the best rates in Austin is really not that difficult. If you have insurance now or need new coverage, you can use these techniques to lower your rates without reducing coverage. Smart shoppers just need to learn the most efficient way to get comparison rates on the web.
Lower rate quotes on Ford F-250 insurance in Austin with these insurance discounts
Insurance is neither fun to buy or cheap, but you can get discounts that can dramatically reduce your bill. Certain credits will be shown when you complete an application, but a few must be asked for before they will apply. If you check and find you aren’t receiving every discount you deserve, you’re paying more than you need to.
- Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
- Driver Training Discounts – Passing a defensive driver course could save 5% or more and easily recoup the cost of the course.
- Low Mileage Discounts – Low mileage vehicles could qualify for substantially lower insurance rates.
- Discount for Good Grades – Excelling in school may save you up to 25%. Earning this discount can benefit you until age 25.
- Discounts for New Vehicles – Putting coverage on a new F-250 can get you a discount because newer models keep occupants safer.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy some life insurance too.
- Discounts for Safe Drivers – Insureds who avoid accidents may save up to 50% more than drivers with accidents.
- Professional Organizations – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums on your policy.
It’s important to note that most discount credits are not given to the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. Even though the math looks like it’s possible to get free car insurance, you won’t be that lucky.
To choose providers that offer multiple discounts in Austin, click here to view.
Most companies such as State Farm, Allstate and GEICO allow consumers to get prices for coverage on the web. Comparing Ford F-250 insurance rates online doesn’t take a lot of time as you simply enter your required coverages into the quote form. After the form is submitted, the quote system automatically retrieves your driving record and credit report and returns a price quote based on the information you submitted.
Getting online price quotes for Ford F-250 insurance in Austin helps simplify price comparisons, and it is imperative to perform this step if you want to find a better rate.
To use this form to compare rates, compare rates from the companies below. If you have a policy now, it’s recommended you copy the coverages exactly as shown on your declarations page. This ensures you will get comparison quotes based on similar coverages.
The companies shown below are our best choices to provide free rate quotes in Austin, TX. If more than one company is shown, we recommend you click on several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $282 | $580 | $486 | $28 | $146 | $1,522 | $127 |
| F-250 XL Cabela Package 2WD | $202 | $422 | $520 | $30 | $156 | $1,330 | $111 |
| F-250 XL Super Cab 2WD | $232 | $462 | $452 | $26 | $136 | $1,308 | $109 |
| F-250 XLT 2WD | $318 | $718 | $486 | $28 | $146 | $1,696 | $141 |
| F-250 XL 4WD | $270 | $400 | $476 | $28 | $142 | $1,316 | $110 |
| F-250 XLT Super Cab 2WD | $256 | $486 | $404 | $24 | $122 | $1,292 | $108 |
| F-250 XL Super Cab Cabela Package 2WD | $186 | $338 | $444 | $26 | $132 | $1,126 | $94 |
| F-250 XL Harley Edition 2WD | $246 | $434 | $444 | $26 | $132 | $1,282 | $107 |
| F-250 XL Crew Cab 2WD | $286 | $602 | $486 | $28 | $146 | $1,548 | $129 |
| F-250 XLT 4WD | $318 | $684 | $538 | $32 | $162 | $1,734 | $145 |
| F-250 XL Cabela Package 4WD | $322 | $572 | $486 | $28 | $146 | $1,554 | $130 |
| F-250 XL Crew Cab 4WD | $186 | $338 | $490 | $30 | $146 | $1,190 | $99 |
| F-250 XL Super Cab 4WD | $160 | $312 | $458 | $28 | $136 | $1,094 | $91 |
| F-250 XL Crew Cab Cabela Package 2WD | $336 | $738 | $444 | $26 | $132 | $1,676 | $140 |
| F-250 XL Super Cab Harley Edition 2WD | $260 | $572 | $414 | $24 | $124 | $1,394 | $116 |
| F-250 XL Turbo Diesel 2WD | $256 | $558 | $404 | $24 | $122 | $1,364 | $114 |
| F-250 King Ranch Crew Cab 2WD | $308 | $542 | $564 | $34 | $168 | $1,616 | $135 |
| F-250 XLT Crew Cab 2WD | $202 | $486 | $520 | $30 | $156 | $1,394 | $116 |
| F-250 XL Super Cab Cabela Package 4WD | $360 | $572 | $486 | $28 | $146 | $1,592 | $133 |
| F-250 XLT Super Cab 4WD | $318 | $572 | $500 | $30 | $150 | $1,570 | $131 |
| F-250 XL Harley Edition 4WD | $220 | $416 | $620 | $36 | $186 | $1,478 | $123 |
| F-250 King Ranch Crew Cab 4WD | $228 | $368 | $476 | $28 | $142 | $1,242 | $104 |
| F-250 Lariat Crew Cab 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XL Super Cab Turbo Diesel 2WD | $336 | $620 | $444 | $26 | $132 | $1,558 | $130 |
| F-250 XL Crew Cab Harley Edition 2WD | $258 | $532 | $486 | $28 | $146 | $1,450 | $121 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $422 | $672 | $564 | $34 | $168 | $1,860 | $155 |
| F-250 Lariat Super Cab 2WD | $260 | $424 | $564 | $34 | $168 | $1,450 | $121 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $228 | $424 | $430 | $26 | $128 | $1,236 | $103 |
| F-250 XLT Turbo Diesel 2WD | $318 | $660 | $486 | $28 | $146 | $1,638 | $137 |
| F-250 XL Cabela Turbo Diesel 2WD | $400 | $788 | $440 | $26 | $132 | $1,786 | $149 |
| F-250 XLT Turbo Diesel 4WD | $318 | $580 | $448 | $26 | $134 | $1,506 | $126 |
| F-250 XLT Crew Cab 4WD | $176 | $306 | $448 | $26 | $134 | $1,090 | $91 |
| F-250 XL Super Cab Turbo Diesel 4WD | $274 | $434 | $490 | $30 | $146 | $1,374 | $115 |
| F-250 XL Crew Cab Harley Edition 4WD | $362 | $672 | $576 | $34 | $172 | $1,816 | $151 |
| F-250 XL Cabela Turbo Diesel 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $292 | $462 | $486 | $28 | $146 | $1,414 | $118 |
| F-250 Lariat Super Cab 4WD | $404 | $802 | $576 | $34 | $172 | $1,988 | $166 |
| F-250 XL Turbo Diesel 4WD | $318 | $580 | $448 | $26 | $134 | $1,506 | $126 |
| F-250 XL Super Cab Harley Edition 4WD | $318 | $572 | $538 | $32 | $162 | $1,622 | $135 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $260 | $424 | $564 | $34 | $168 | $1,450 | $121 |
| F-250 XL Harley Turbo Diesel 2WD | $232 | $450 | $404 | $24 | $122 | $1,232 | $103 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $258 | $560 | $486 | $28 | $146 | $1,478 | $123 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $196 | $414 | $486 | $28 | $146 | $1,270 | $106 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $356 | $760 | $560 | $34 | $168 | $1,878 | $157 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $254 | $520 | $582 | $34 | $174 | $1,564 | $130 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $234 | $462 | $414 | $24 | $124 | $1,258 | $105 |
| F-250 Lariat Crew Cab 4WD | $470 | $804 | $624 | $36 | $186 | $2,120 | $177 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $274 | $500 | $490 | $30 | $146 | $1,440 | $120 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $232 | $450 | $448 | $26 | $134 | $1,290 | $108 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $458 | $988 | $642 | $38 | $192 | $2,318 | $193 |
| F-250 Cabela Crew Cab 4WD | $318 | $666 | $448 | $26 | $134 | $1,592 | $133 |
| F-250 XL Harley Turbo Diesel 4WD | $336 | $620 | $490 | $30 | $146 | $1,622 | $135 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $288 | $572 | $458 | $28 | $136 | $1,482 | $124 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $258 | $632 | $486 | $28 | $146 | $1,550 | $129 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $466 | $672 | $624 | $36 | $186 | $1,984 | $165 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $286 | $560 | $538 | $32 | $162 | $1,578 | $132 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $454 | $804 | $476 | $28 | $142 | $1,904 | $159 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $318 | $614 | $620 | $36 | $186 | $1,774 | $148 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in specific location information which can influence coverage prices significantly.
Premiums by gender and age
The example below illustrates the comparison of Ford F-250 insurance rates for male and female drivers. The data assumes a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The diagram below examines Ford F-250 insurance costs with full coverage and liability only. The price estimates are based on no tickets, no at-fault accidents, $500 deductibles, married female driver, and no other discounts are factored in.
Should you pay for full coverage or liability only?
There is no written rule that is best for determining when to drop full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s say your Ford F-250 claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after paying your deductible. If premiums are more than $300 annually for full coverage, then it could be time to drop full coverage.
There are some circumstances where eliminating full coverage is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not opt for liability only.
Components of Your Ford F-250 Insurance Rates
Lots of factors are used in the calculation when quoting car insurance. Some factors are common sense such as your driving record, but other factors are more transparent such as your credit history or your financial responsibility.
Teen driver insurance costs – More mature drivers are more responsible, tend to cause fewer accidents, and get fewer tickets.Inexperience drivers have a tendency to be easily distracted in a vehicle so they pay higher insurance rates.
Defend yourself with liability – The liability section of your policy will provide protection when a jury decides you are liable for damages caused by your negligence. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. It is affordable coverage compared to comp and collision, so buy as much as you can afford.
Pay more for higher performance vehicles – The performance of the vehicle you own makes a big difference in your auto insurance rates. The lowest rates will generally be found on the lowest performance passenger cars, but that’s not the only thing that factors into the final price. Since the Ford F-250 is classified as a pickup truck, insuring your vehicle will cost similar in price when compared to the average rates in Austin.
A insurance lapse can increase premiums – Driving without insurance can get you a ticket and you may have a hard time finding new coverage because you let your insurance lapse. In addition to paying higher premiums, not being able to provide proof of insurance will get you fines and jail time.
Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean females are better drivers. Men and women cause fender benders in similar percentages, but the male of the species have costlier accidents. Men also get ticketed for serious violations like DWI (DUI) or reckless driving. Teenage male drivers have the highest risk to insure and therefore are the most expensive to insure.
Drive lots and pay more – Driving more miles in a year the higher your rates will be. A lot of insurance companies charge to insure your cars based on their usage. Cars and trucks that sit idle most of the time get more affordable rates than cars that get driven a lot. It’s always a good idea to double check that your vehicle rating states how each vehicle is driven. A policy that improperly rates your F-250 is throwing money out the window.
Ford F-250 statistical loss data – Companies use claims history to help calculate a profitable premium price. Vehicles that historically have a trend towards higher claim severity or frequency will have a higher cost to insure. The next table shows the insurance loss data used by companies for Ford F-250 vehicles.
For each policy coverage type, the claim probability for all vehicles, as a total average, is a value of 100. Numbers below 100 suggest losses that are better than average, while numbers above 100 indicate more frequent losses or tendency to have higher losses.
Insurance Loss Ratings for Ford F-250 Vehicles
| Vehicle 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 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Different people need different car insurance coverages
When quoting and choosing the best car insurance coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.
For example, these questions can help discover if your insurance needs may require specific advice.
- Are my friends covered when driving my Ford F-250?
- Am I covered when driving on a suspended license?
- Can I get by with minimal medical coverage if I have good health insurance?
- Do I need special coverage while pulling a rented trailer?
- Do I have coverage for damage caused while driving under the influence?
- What companies insure drivers after a DUI or DWI?
- Are my company tools covered if they get stolen?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Compare rates but work with a local neighborhood Austin car insurance agent
Many people still like to buy from a local agent and that is not a bad decision Most agents can help determine the best coverages and help submit paperwork. The biggest benefit of comparing insurance prices online is you can get cheap auto insurance rates and still choose a local agent.
To make it easy to find an agent, after completing this form (opens in new window), your information is emailed to local insurance agents who will gladly provide quotes to get your business. You don’t have to search for an agent because quoted prices will be sent directly to your email. In the event you want to get a price quote from one company in particular, just search and find their rate quote page and complete a quote there.
Finding a good provider is decision based upon more than just a cheap price quote. Any agent in Austin should be forthright in answering these questions:
- Is the coverage adequate for your vehicle?
- Where would glass claims be handled in Austin?
- Is coverage determined by price?
- Do they offer accident forgiveness?
- Which company do they place the most coverage with?
The following are agents in Austin who can help you get price quote information for Ford F-250 insurance in Austin.
- EZ Insurance Agency – North
7600 N Lamar Blvd # E – Austin, TX 78752 – (512) 445-2700 – View Map - Nationwide Insurance: James Gary Howe
3720 Far West Blvd #114 – Austin, TX 78731 – (512) 346-7645 – View Map - Greater Texas Insurance
9809 Anderson Mill Rd – Austin, TX 78750 – (512) 250-5055 – View Map - Bridgette Hearne – State Farm Insurance Agent
3407 W Slaughter Ln b – Austin, TX 78748 – (512) 441-3704 – View Map
Upon getting reasonable responses to any questions you may have as well as the cheapest Ford F-250 insurance in Austin quotes, chances are good that you have found a company that meets the requirements to properly insure your vehicles. But keep in mind policyholders can terminate coverage whenever you wish so don’t feel that you are obligated to any specific company for the full policy term.
Why auto insurance is not optional
Despite the high insurance cost for a Ford F-250 in Austin, auto insurance is mandatory in Texas but it also protects more than you think.
- Most states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your F-250 with a loan, almost every bank will require you to buy insurance to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the bank will be required to insure your Ford for a much higher rate and make you pay a much higher amount than you were paying before.
- Insurance protects both your Ford F-250 and your personal assets. It will also provide coverage for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay to defend you if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of buying enough insurance definitely exceed the price paid, particularly for liability claims. But the average driver in Texas is currently overpaying as much as $810 a year so it’s very important to do a rate comparison each time the policy renews to make sure the price is not too high.
Cheap auto insurance premiums are out there
We’ve covered a lot of tips how to reduce Ford F-250 insurance car insurance rates online in Austin. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from some of the lesser-known companies.
The cheapest Ford F-250 insurance in Austin can be bought on the web and from local agencies, so get free Austin auto insurance quotes from both of them to have the best chance of lowering rates. Some companies may not provide the ability to get quotes online and usually these smaller providers prefer to sell through local independent agents.
Drivers who switch companies do it for many reasons like delays in paying claims, an unsatisfactory settlement offer, denial of a claim and extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new auto insurance company can be easy and end up saving you some money.
To read more, feel free to visit the following helpful articles:
- Understanding Car Crashes Video (iihs.org)
- What Auto Insurance is Cheapest for Seniors in Austin? (FAQ)
- Who Has Cheap Car Insurance for a Jeep Wrangler in Austin? (FAQ)
- Who Has Cheap Auto Insurance for a 20 Year Old Male in Austin? (FAQ)
- What Insurance is Cheapest for a GMC Sierra in Austin? (FAQ)
- Who Has the Cheapest Austin Car Insurance Rates for a Hyundai Elantra? (FAQ)
- Who Has the Cheapest Car Insurance for Government Employees in Austin? (FAQ)
- Who Has Cheap Austin Auto Insurance for Teachers? (FAQ)
- How Much are Auto Insurance Rates for Drivers Over Age 60 in Austin? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)