Compare Ford F-250 Insurance Rate Quotes in Plano

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Insurance rates Ford F-250 in PlanoTrying to find the cheapest Ford F-250 insurance in Plano? Did a good deal turn into an under-performing, overpriced auto insurance policy? It's quite common and there are many people just like you.

Smart shoppers know that auto insurance companies don't want customers comparing rates. People who get price quotes annually are inclined to switch auto insurance companies because there is a significant possibility of finding coverage at a cheaper rate. A recent survey found that consumers who compared prices regularly saved $850 each year compared to policyholders who never shopped around for better prices.

If finding budget-friendly rates on car insurance in Plano is the reason you're reading this, then having a good understanding how to get free comparison quotes and analyze auto insurance can make it easier for you to save money.

How to find cheaper Ford F-250 insurance in Plano

If you want to save money, the best way to get the cheapest Ford F-250 insurance is to start comparing rates regularly from providers that sell auto insurance in Plano.

  • Step 1: Try to understand how car insurance works and the things you can change to lower rates. Many policy risk factors that cause high rates like your driving record and an unfavorable credit rating can be improved by improving your driving habits or financial responsibility. This article provides more details to get lower rates and get additional discounts.
  • Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO and State Farm, while agents who are independent can quote prices for many different companies.
  • Step 3: Compare the new rates to your existing policy to see if switching to a new carrier will save money. If you find a lower rate quote and decide to switch, make sure there is no lapse in coverage.
  • Step 4: Provide proper notification to your current company of your intention to cancel your current car insurance policy and submit a down payment along with a completed application to your new company or agent. Once received, put the proof of insurance certificate above your visor, in the console, or in the glove compartment.

The most important part of shopping around is to make sure you're comparing the same coverage limits and deductibles on each quote request and and to get price quotes from as many companies as you can. This enables a fair rate comparison and the best price quote selection.

Lots of insurance companies contend for your hard-earned dollar, so it can be very hard to choose a insurer to find the best rate on Ford F-250 insurance in Plano.

Plano insurance discounts

Companies don't necessarily list every possible discount in an easy-to-find place, so the following is a list of both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy Plano car insurance online.Insurance discounts

  • Anti-lock Brake Discount - Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Passenger Safety Discount - Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
  • Driver Education Discount - Have your child enroll and complete driver's education if it's offered in school.
  • Membership in Organizations - Affiliation with a professional or civic organization could earn you a nice discount when getting a Plano car insurance quote.
  • Theft Deterrent - Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • First Accident Forgiveness - Not really a discount, but certain companies permit an accident without the usual rate increase so long as you are claim-free for a set time period.
  • Driver Training Discounts - Participating in a class that teaches defensive driving techniques is a good idea and can lower rates and easily recoup the cost of the course.
  • Life Insurance - Insurance carriers who offer life insurance give a discount if you purchase some life insurance in addition to your auto policy.
  • Military Rewards - Being deployed with a military unit can result in better prices.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. Despite the appearance that it's possible to get free car insurance, you aren't that lucky. But all discounts will lower the premium cost.

The illustration below illustrates the difference between Ford F-250 auto insurance rates with and without policy discounts. The costs are based on a male driver, no claims or violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, multi-car, homeowner, and safe-driver discounts applied.

To locate insurance companies who offer cheap Ford F-250 insurance quotes in Plano in Texas, click here.

Reducing your Ford F-250 insurance rates is a fairly straight forward process. The only requirement is to spend a little time to get quotes to see which company has the cheapest Ford F-250 rate quotes.

Online shopping is fast and free, and it makes it a waste of time to call or drive to insurance agencies in your area. The ability to buy insurance online eliminates the middleman unless you have a complicated situation and need the professional abilities of a local Plano agent. Although, it is possible get the lowest quotes online and get advice from an agent in your area.

The companies shown below are our best choices to provide quotes in Texas. If your goal is to find cheap car insurance in Plano, we suggest you click on several of them to get a more complete price comparison.

Rate information and statistics

The data table displayed below outlines different rate quotes for Ford F-250 models. Learning as much as possible about how insurance prices are formulated is important for making decisions when shopping around.

Ford F-250 Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-250 XL 2WD $288 $570 $520 $30 $156 $1,564 $130
F-250 XL Cabela Package 2WD $326 $672 $520 $30 $156 $1,704 $142
F-250 XL Super Cab 2WD $326 $672 $520 $30 $156 $1,704 $142
F-250 XLT 2WD $326 $672 $520 $30 $156 $1,704 $142
F-250 XL 4WD $326 $570 $576 $34 $172 $1,678 $140
F-250 XLT Super Cab 2WD $326 $672 $520 $30 $156 $1,704 $142
F-250 XL Super Cab Cabela Package 2WD $326 $672 $520 $30 $156 $1,704 $142
F-250 XL Harley Edition 2WD $326 $672 $520 $30 $156 $1,704 $142
F-250 XL Crew Cab 2WD $326 $672 $520 $30 $156 $1,704 $142
F-250 XLT 4WD $326 $672 $576 $34 $172 $1,780 $148
F-250 XL Cabela Package 4WD $326 $672 $576 $34 $172 $1,780 $148
F-250 XL Crew Cab 4WD $326 $672 $576 $34 $172 $1,780 $148
F-250 XL Super Cab 4WD $326 $672 $576 $34 $172 $1,780 $148
F-250 XL Crew Cab Cabela Package 2WD $326 $774 $520 $30 $156 $1,806 $151
F-250 XL Super Cab Harley Edition 2WD $326 $774 $520 $30 $156 $1,806 $151
F-250 XL Turbo Diesel 2WD $326 $774 $520 $30 $156 $1,806 $151
F-250 King Ranch Crew Cab 2WD $326 $774 $520 $30 $156 $1,806 $151
F-250 XLT Crew Cab 2WD $326 $774 $520 $30 $156 $1,806 $151
F-250 XL Super Cab Cabela Package 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 XLT Super Cab 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 XL Harley Edition 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 King Ranch Crew Cab 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 Lariat Crew Cab 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 XL Super Cab Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 XL Crew Cab Harley Edition 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 XL Crew Cab Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 Lariat Super Cab 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 XL Super Cab Cabela Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 XLT Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 XL Cabela Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 XLT Turbo Diesel 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 XLT Crew Cab 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 XL Super Cab Turbo Diesel 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 XL Crew Cab Harley Edition 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 XL Cabela Turbo Diesel 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 XL Crew Cab Turbo Diesel 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 Lariat Super Cab 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 XL Turbo Diesel 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 XL Super Cab Harley Edition 4WD $362 $672 $576 $34 $172 $1,816 $151
F-250 XLT Super Cab Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 XL Harley Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 King Ranch Crew Cab Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 XL Super Cab Harley Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 XLT Crew Cab Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 XL Crew Cab Harley Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 XL Crew Cab Cabela Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 Lariat Super Cab Turbo Diesel 2WD $362 $774 $520 $30 $156 $1,842 $154
F-250 Lariat Crew Cab 4WD $362 $774 $576 $34 $172 $1,918 $160
F-250 King Ranch Crew Cab Turbo Diesel 4WD $362 $774 $576 $34 $172 $1,918 $160
F-250 XL Super Cab Cabela Turbo Diesel 4WD $362 $774 $576 $34 $172 $1,918 $160
F-250 XLT Super Cab Turbo Diesel 4WD $362 $774 $576 $34 $172 $1,918 $160
F-250 Cabela Crew Cab 4WD $362 $774 $576 $34 $172 $1,918 $160
F-250 XL Harley Turbo Diesel 4WD $362 $774 $576 $34 $172 $1,918 $160
F-250 XLT Crew Cab Turbo Diesel 4WD $362 $774 $576 $34 $172 $1,918 $160
F-250 Lariat Crew Cab Turbo Diesel 2WD $362 $876 $520 $30 $156 $1,944 $162
F-250 Lariat Crew Cab Turbo Diesel 4WD $400 $774 $576 $34 $172 $1,956 $163
F-250 XL Super Cab Harley Turbo Diesel 4WD $400 $774 $576 $34 $172 $1,956 $163
F-250 Lariat Super Cab Turbo Diesel 4WD $400 $774 $576 $34 $172 $1,956 $163
F-250 XL Crew Cab Harley Turbo Diesel 4WD $400 $774 $576 $34 $172 $1,956 $163
Get Your Own Custom Quote Go

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in garaging location in Plano which can affect premiums substantially.

The diagram below illustrates how your deductible choice and can raise or lower Ford F-250 insurance costs for different ages of insureds. The premiums assume a single female driver, full physical damage coverage, and no discounts are applied.

Should you buy full coverage?

The information below shows the difference between Ford F-250 insurance costs with and without full coverage. The prices are based on no claims, a clean driving record, $500 deductibles, single status, and no other discounts are factored in.

When to drop full coverage

There is no specific rule to eliminate physical damage coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Ford F-250 replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $4,000 after paying your policy deductible. If you are paying in excess of $400 annually to have full coverage, then it's probably a good time to buy liability coverage only.

There are some circumstances where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not drop full coverage.

Independent versus exclusive car insurance agents

Many people just prefer to visit with an insurance agent. Professional agents are highly skilled in risk management and help file insurance claims. A good thing about comparing rates online is that drivers can save money and get better rates and still have an agent to talk to. And buying from neighborhood agents is important particularly in Plano.

By using this form (opens in new window), your insurance coverage information is sent to participating agents in Plano that give free quotes for your car insurance coverage. You won't need to find an agent on your own as quotes are delivered to you. If you have a need to compare prices from one company in particular, don't hesitate to visit that company's website and fill out their quote form.

Finding the right insurer is decision based upon more than just a cheap quote. Get answers to these questions too.

  • Is the agency involved in supporting local community causes?
  • Do they have 24-hour customer assistance?
  • What company holds the largest book of business for them?
  • Are they full-time agents?
  • Are they able to influence company decisions when a claim is filed?
  • Will their companies depreciate repairs to your car based on the mileage?

Compare but don't skimp

More affordable insurance in Plano is attainable online and with local Plano insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and usually these small insurance companies prefer to sell through local independent agencies.

When buying insurance coverage, it's a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage for the lowest price but still have enough coverage for asset protection.

Steps to buying discount Ford F-250 insurance in Plano

Truthfully, the best way to get affordable Ford F-250 insurance is to start comparing prices regularly from insurance carriers who provide car insurance in Plano. Prices can be compared by completing these steps.

  • First, take a few minutes and learn about what coverages are included in your policy and the things you can control to keep rates down. Many rating criteria that cause rate increases like traffic citations, accidents, and an imperfect credit history can be rectified by making minor changes in your lifestyle.
  • Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO and Allstate, while agents who are independent can quote prices from many different companies.
  • Third, compare the price quotes to your existing coverage to see if you can save by switching companies. If you find a better price and buy the policy, ensure coverage does not lapse between policies.

A tip to remember is to use the same liability limits and deductibles on each quote request and and to get quotes from every company you can. Doing this helps ensure the most accurate price comparison and and a good selection of different prices.

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