Shopping for more affordable Toledo Ford F-250 insurance quotes on the web may be challenging for drivers that are relatively new to buying their auto insurance on the internet. With such a large choice of insurers to choose from, how can Toledo drivers be able to compare every company in order to find cheaper auto insurance prices?
Shockingly, the vast majority of consumers kept their coverage with the same auto insurance company for at least four years, and nearly half have never compared quotes from other companies. Consumers in America could cut their rates by as much as $850 a year, but they won’t spend time to find lower-cost insurance by shopping around.
You should take the time to get comparison quotes periodically because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Ford F-250 insurance in Toledo last year there may be better deals available now. You can find a lot of misleading information regarding F-250 insurance online, but in this article, you’re going to get some of the best techniques to lower your auto insurance rates in Toledo.
Ford F-250 insurance charts and tables
The premium information shown below highlights detailed analysis of insurance premium costs for Ford F-250 models. Being more informed about how prices are calculated can aid in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $150 | $290 | $270 | $16 | $80 | $806 | $67 |
| F-250 XL Cabela Package 2WD | $170 | $342 | $270 | $16 | $80 | $878 | $73 |
| F-250 XL Super Cab 2WD | $170 | $342 | $270 | $16 | $80 | $878 | $73 |
| F-250 XLT 2WD | $170 | $342 | $270 | $16 | $80 | $878 | $73 |
| F-250 XL 4WD | $170 | $290 | $298 | $18 | $90 | $866 | $72 |
| F-250 XLT Super Cab 2WD | $170 | $342 | $270 | $16 | $80 | $878 | $73 |
| F-250 XL Super Cab Cabela Package 2WD | $170 | $342 | $270 | $16 | $80 | $878 | $73 |
| F-250 XL Harley Edition 2WD | $170 | $342 | $270 | $16 | $80 | $878 | $73 |
| F-250 XL Crew Cab 2WD | $170 | $342 | $270 | $16 | $80 | $878 | $73 |
| F-250 XLT 4WD | $170 | $342 | $298 | $18 | $90 | $918 | $77 |
| F-250 XL Cabela Package 4WD | $170 | $342 | $298 | $18 | $90 | $918 | $77 |
| F-250 XL Crew Cab 4WD | $170 | $342 | $298 | $18 | $90 | $918 | $77 |
| F-250 XL Super Cab 4WD | $170 | $342 | $298 | $18 | $90 | $918 | $77 |
| F-250 XL Crew Cab Cabela Package 2WD | $170 | $392 | $270 | $16 | $80 | $928 | $77 |
| F-250 XL Super Cab Harley Edition 2WD | $170 | $392 | $270 | $16 | $80 | $928 | $77 |
| F-250 XL Turbo Diesel 2WD | $170 | $392 | $270 | $16 | $80 | $928 | $77 |
| F-250 King Ranch Crew Cab 2WD | $170 | $392 | $270 | $16 | $80 | $928 | $77 |
| F-250 XLT Crew Cab 2WD | $170 | $392 | $270 | $16 | $80 | $928 | $77 |
| F-250 XL Super Cab Cabela Package 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 XLT Super Cab 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 XL Harley Edition 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 King Ranch Crew Cab 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 Lariat Crew Cab 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 XL Super Cab Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 XL Crew Cab Harley Edition 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 Lariat Super Cab 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 XLT Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 XL Cabela Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 XLT Turbo Diesel 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 XLT Crew Cab 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 XL Super Cab Turbo Diesel 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 XL Crew Cab Harley Edition 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 XL Cabela Turbo Diesel 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 Lariat Super Cab 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 XL Turbo Diesel 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 XL Super Cab Harley Edition 4WD | $190 | $342 | $298 | $18 | $90 | $938 | $78 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 XL Harley Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $190 | $392 | $270 | $16 | $80 | $948 | $79 |
| F-250 Lariat Crew Cab 4WD | $190 | $392 | $298 | $18 | $90 | $988 | $82 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $190 | $392 | $298 | $18 | $90 | $988 | $82 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $190 | $392 | $298 | $18 | $90 | $988 | $82 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $190 | $392 | $298 | $18 | $90 | $988 | $82 |
| F-250 Cabela Crew Cab 4WD | $190 | $392 | $298 | $18 | $90 | $988 | $82 |
| F-250 XL Harley Turbo Diesel 4WD | $190 | $392 | $298 | $18 | $90 | $988 | $82 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $190 | $392 | $298 | $18 | $90 | $988 | $82 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $190 | $444 | $270 | $16 | $80 | $1,000 | $83 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $210 | $392 | $298 | $18 | $90 | $1,008 | $84 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $210 | $392 | $298 | $18 | $90 | $1,008 | $84 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $210 | $392 | $298 | $18 | $90 | $1,008 | $84 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $210 | $392 | $298 | $18 | $90 | $1,008 | $84 |
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in Toledo location which can impact price quotes considerably.
The example below shows how choosing a deductible and can affect Ford F-250 insurance prices for each age group. The premiums assume a single male driver, full physical damage coverage, and no additional discounts are factored in.
Should you buy full coverage?
The example below compares Ford F-250 car insurance rates with full coverage and liability only. The costs are based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Deciding between full coverage and liability only
There is no exact rule for excluding full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s pretend your Ford F-250 replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after you pay the deductible. If it’s costing you more than $800 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some situations where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Lower Your Toledo Insurance Rates
Many factors are part of the equation when you quote your car insurance policy. Some are obvious like your driving record, although some other factors are not as apparent like your vehicle usage and annual miles driven.
Your address can push rates up or down – Being located in a rural area is a positive aspect when it comes to car insurance. Fewer people means reduced accidents and lower theft and vandalism rates. Residents of big cities have to deal with congested traffic and longer commute times. Spending more time driving means more chance of being in an accident.
More annual miles equals more premium – The more you drive each year the higher the price you pay to insure it. A lot of insurance companies apply a rate based on how the vehicle is used. Cars and trucks that have low annual miles cost less to insure than vehicles that have high annual mileage. Improper usage on your F-250 is just wasting money. Make sure your car insurance policy states the correct usage for each vehicle, because it can save money.
Deter theft and pay less – Owning a car with an alarm system can save you a little every year. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft.
How much liability protection do you need? – The liability section of your policy provides coverage if ever you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court to defend your case. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Bad driving leads to higher rates – Whether or not you get tickets can have a huge impact on auto insurance premiums. Only having one moving violation may increase your cost to the point where it’s not affordable. Good drivers pay less for auto insurance as compared to those with violations. Drivers who have received dangerous violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent their license from being revoked.
The example below illustrates how violations and fender-benders can increase Ford F-250 annual premium costs for each different age category. The costs are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
Gender matters – The statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that females are better drivers. Both genders cause fender benders in similar numbers, but the men have costlier accidents. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 generally have the highest accident percentage and therefore pay the highest rates.
The diagram below shows the comparison of Ford F-250 auto insurance rates for male and female drivers. The data assumes no accidents or driving violations, full coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Add-on coverages can add up – Insurance policies have a lot of optional add-on coverages that you can buy if you don’t pay attention. Add-on coverages like rental car reimbursement, towing coverage, and membership fees may not be needed and are just wasting money. These may sound like a good investment when talking to your agent, but if you don’t need them consider taking them off your policy.
Insurance loss statistics a Ford F-250 – Car insurance companies use past insurance losses to calculate a rate that will offset losses. Models that the statistics show to have high amounts or severity of claims will have higher rates.
The table below demonstrates the compiled insurance loss statistics for Ford F-250 vehicles. For each coverage category, the claim amount for all vehicles, regardless of manufacturer or model, is equal to 100. Values below 100 suggest a better than average loss history, while percentage numbers above 100 point to more claims or a tendency for claims to be larger.
| 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 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Persistence will pay off
Insureds change insurance companies for a number of reasons such as lack of trust in their agent, delays in paying claims, being labeled a high risk driver or policy non-renewal. It doesn’t matter what your reason, choosing a new company is not as hard as you think.
As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at the best cost.
We just covered many ideas to find lower-cost Ford F-250 insurance in Toledo. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even discover the most savings is with some of the smallest insurance companies.
Steps to finding lower priced Ford F-250 insurance in Toledo
The recommended way to get discount auto insurance rates in Toledo is to start comparing prices regularly from insurers who sell insurance in Ohio. This can be done by completing these steps.
First, it will benefit you to learn about car insurance and the things you can control to keep rates in check. Many things that are responsible for high rates like accidents, traffic violations, and a low credit rating can be improved by being financially responsible and driving safely.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO or State Farm, while independent agencies can provide price quotes from multiple sources.
Third, compare the new rates to your existing coverage to determine if switching companies saves money. If you find a better price and decide to switch, make sure coverage is continuous and does not lapse.
Fourth, provide notification to your current company of your decision to cancel your current policy. Submit the application along with any required down payment to your new company or agent. As soon as coverage is bound, keep the new proof of insurance paperwork somewhere easily accessible.
A good tip to remember is that you’ll want to compare identical coverages on every price quote and and to look at every company you can. This helps ensure a fair price comparison and and a good selection of different prices.
Additional auto insurance information can be read at these links:
- Winter Driving (Insurance Information Institute)
- What Auto Insurance is Cheapest for Felons in Toledo? (FAQ)
- How Much are Car Insurance Quotes for a Honda CR-V in Toledo? (FAQ)
- Who Has Cheap Toledo Car Insurance Rates for Drivers with Good Credit? (FAQ)
- What Car Insurance is Cheapest for Teenagers in Toledo? (FAQ)
- What Insurance is Cheapest for Business Use in Toledo? (FAQ)
- Teen Driving Statistics (GEICO)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)