Did a good deal turn into high-priced Ford F-250 insurance in Irvine? Believe me when I say there are a lot of people in Irvine just like you who feel imprisoned by their auto insurance policy.
A study showed that the vast majority of auto insurance customers kept their coverage with the same auto insurance company for more than four years, and nearly the majority have never compared rates with other companies. The average driver in California could pocket approximately 35% a year by just shopping around, but they just don’t understand the actual amount they would save if they swap their current policy for a cheaper one.
How to find the cheapest rates for Ford F-250 insurance in Irvine
If you want to find the absolute lowest rates, then the best way to quote cheaper Ford F-250 insurance in Irvine is to make a habit of comparing prices annually from companies that sell auto insurance in California. You can compare rates by following these steps.
- Spend some time learning about how companies set rates and the things you can change to keep rates low. Many risk factors that are responsible for high rates such as careless driving and a negative credit score can be remedied by being financially responsible and driving safely. This article provides more ideas to help keep rates affordable and get bigger discounts.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can quote rates from multiple companies. View insurance agents
- Compare the new rate quotes to your existing coverage to see if a cheaper rate is available. If you find better rates and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide proper notification to your current company of your intent to cancel your existing policy. Submit the signed application along with the required initial payment to your new insurance company. When you receive it, place the new proof of insurance paperwork with your vehicle’s registration.
An essential thing to point out is to make sure you enter the same level of coverage on each quote request and and to get price estimates from as many companies as you can. This helps ensure a level playing field and a better comparison of the market.
You have so many car insurance companies to pick from, and even though it’s nice to have a choice, it makes it harder to locate the cheapest rates for Ford F-250 insurance in Irvine.
Many insurance companies allow you to get pricing on their websites. Comparing prices online for Ford F-250 insurance in Irvine is pretty easy as all you need to do is type in your coverage preferences into the form. Upon sending the form, the company’s rating system will order your driving and credit reports and returns a price quote based on the data you entered. This streamlines rate comparisons, and it is important to compare as many rates as possible if you want to find cheaper car insurance pricing.
To compare rates now, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you replicate coverages and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will receive a rate comparison for similar coverage.
The providers in the list below have been selected to offer price comparisons in Irvine, CA. To find cheap car insurance in Irvine, we suggest you get rate quotes from several of them in order to find the lowest rates.
Coverage analysis
The rate information displayed next highlights detailed analysis of insurance rates for Ford F-250 models. Being more informed about how policy premiums are figured is important for making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $390 | $576 | $654 | $38 | $196 | $1,854 | $155 |
| F-250 XL Cabela Package 2WD | $440 | $678 | $654 | $38 | $196 | $2,006 | $167 |
| F-250 XL Super Cab 2WD | $440 | $678 | $654 | $38 | $196 | $2,006 | $167 |
| F-250 XLT 2WD | $440 | $678 | $654 | $38 | $196 | $2,006 | $167 |
| F-250 XL 4WD | $440 | $576 | $724 | $42 | $216 | $1,998 | $167 |
| F-250 XLT Super Cab 2WD | $440 | $678 | $654 | $38 | $196 | $2,006 | $167 |
| F-250 XL Super Cab Cabela Package 2WD | $440 | $678 | $654 | $38 | $196 | $2,006 | $167 |
| F-250 XL Harley Edition 2WD | $440 | $678 | $654 | $38 | $196 | $2,006 | $167 |
| F-250 XL Crew Cab 2WD | $440 | $678 | $654 | $38 | $196 | $2,006 | $167 |
| F-250 XLT 4WD | $440 | $678 | $724 | $42 | $216 | $2,100 | $175 |
| F-250 XL Cabela Package 4WD | $440 | $678 | $724 | $42 | $216 | $2,100 | $175 |
| F-250 XL Crew Cab 4WD | $440 | $678 | $724 | $42 | $216 | $2,100 | $175 |
| F-250 XL Super Cab 4WD | $440 | $678 | $724 | $42 | $216 | $2,100 | $175 |
| F-250 XL Crew Cab Cabela Package 2WD | $440 | $780 | $654 | $38 | $196 | $2,108 | $176 |
| F-250 XL Super Cab Harley Edition 2WD | $440 | $780 | $654 | $38 | $196 | $2,108 | $176 |
| F-250 XL Turbo Diesel 2WD | $440 | $780 | $654 | $38 | $196 | $2,108 | $176 |
| F-250 King Ranch Crew Cab 2WD | $440 | $780 | $654 | $38 | $196 | $2,108 | $176 |
| F-250 XLT Crew Cab 2WD | $440 | $780 | $654 | $38 | $196 | $2,108 | $176 |
| F-250 XL Super Cab Cabela Package 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 XLT Super Cab 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 XL Harley Edition 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 King Ranch Crew Cab 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 Lariat Crew Cab 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 XL Super Cab Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 XL Crew Cab Harley Edition 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 Lariat Super Cab 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 XLT Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 XL Cabela Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 XLT Turbo Diesel 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 XLT Crew Cab 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 XL Super Cab Turbo Diesel 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 XL Crew Cab Harley Edition 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 XL Cabela Turbo Diesel 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 Lariat Super Cab 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 XL Turbo Diesel 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 XL Super Cab Harley Edition 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 XL Harley Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $490 | $780 | $654 | $38 | $196 | $2,158 | $180 |
| F-250 Lariat Crew Cab 4WD | $490 | $780 | $724 | $42 | $216 | $2,252 | $188 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $490 | $780 | $724 | $42 | $216 | $2,252 | $188 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $490 | $780 | $724 | $42 | $216 | $2,252 | $188 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $490 | $780 | $724 | $42 | $216 | $2,252 | $188 |
| F-250 Cabela Crew Cab 4WD | $490 | $780 | $724 | $42 | $216 | $2,252 | $188 |
| F-250 XL Harley Turbo Diesel 4WD | $490 | $780 | $724 | $42 | $216 | $2,252 | $188 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $490 | $780 | $724 | $42 | $216 | $2,252 | $188 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $490 | $882 | $654 | $38 | $196 | $2,260 | $188 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $540 | $780 | $724 | $42 | $216 | $2,302 | $192 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $540 | $780 | $724 | $42 | $216 | $2,302 | $192 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $540 | $780 | $724 | $42 | $216 | $2,302 | $192 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $540 | $780 | $724 | $42 | $216 | $2,302 | $192 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price information does not factor in your specific Irvine location which can increase or decrease rates noticeably.
The diagram below shows how different deductible levels and can impact Ford F-250 insurance prices for different categories of driver ages. The premiums assume a married male driver, comprehensive and collision coverage, and no discounts are factored in.
Reckless driving habits raise Irvine auto insurance rates
The illustration below illustrates how violations and at-fault collisions can influence Ford F-250 insurance rates for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
Difference between full coverage and liability only rates
The example below shows the comparison of Ford F-250 insurance prices with liability coverage only compared to full coverage. The premium estimates are based on no violations or claims, $100 deductibles, single marital status, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no definitive guideline to drop physical damage insurance, but there is a guideline you can use. If the annual cost of 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 assume your Ford F-250 replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are paying over $600 a year for full coverage, then you might consider buying liability only.
There are some cases where eliminating full coverage is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Insurance is not optional
Despite the high cost of buying insurance for a Ford F-250 in Irvine, maintaining insurance may not be optional for several reasons.
- Almost all states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability protection in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your vehicle, most lenders will have a requirement that you have physical damage coverage to protect their interest in the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Ford at a much higher premium rate and force you to reimburse them the higher premium.
- Insurance protects not only your vehicle but also your financial assets. It will also reimburse you for medical expenses that are the result of an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of having insurance more than offset the price you pay, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $810 a year so we recommend shopping around each time the policy renews to ensure rates are inline.
Components of Your Ford F-250 Insurance Rates
Many different elements are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although others are not quite as obvious such as your marital status or your vehicle rating. Part of the car insurance buying process is learning the rating factors that play a part in calculating the rates you pay for car insurance. If you know what influences your rates, this empowers consumers to make smart changes that may reward you with cheaper rates.
The following are some of the factors utilized by car insurance companies to help set your premiums.
- How many miles do you drive? – Driving more miles every year the more you’ll pay to insure it. Most insurance companies price each vehicle’s coverage based upon how much you drive. Autos that sit idle most of the time receive better premium rates compared to those used for work or business. An improperly rated F-250 can result in significantly higher rates. Verify your car insurance coverage is rated on the correct usage for each vehicle.
- Liability protection preserves assets – Liability coverage will afford coverage if you are found to be at fault for damages from an accident. This coverage provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
- Pay more out-of-pocket – Your deductibles represent how much money you are willing to pay out-of-pocket if a covered claim is submitted. Coverage for physical damage, also called ‘full coverage’, protects your car from damage. Some coverage claims are collision with another vehicle, fire damage, and having a roll-over accident. The more you pay before a claim is paid (deductible), the better rate you will receive.
-
Is your car built for speed? – The make and model of the car, truck or SUV you are insuring makes a big difference in your rates. Low performance passenger vehicles generally receive the lowest base rates, but many other things help determine your insurance rates.
The data below is based on a married male driver age 20, full coverage with $500 deductibles, and no discounts or violations. The data compares Ford F-250 rates compared to other makes and models that have different performance rating factors.
-
Teen drivers pay higher costs – Drivers with little experience are statistically shown to be inattentive and easily distracted in a vehicle and because of this, their car insurance rates are much higher. More experienced drivers are proven to be safer behind the wheel, statistically cause fewer accidents, and are generally more financially stable.
The data below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
- Combine policies to earn discounts – Most larger companies apply lower prices to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare Ford F-250 rates in Irvine to confirm you are receiving the best rates possible.There is a chance you can save even more than the discount by buying from different companies
- Save money with theft deterrents – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft and help bring rates down.
- Safety ratings are a factor – Cars with high safety ratings are cheaper to insure. Vehicles built for safety reduce injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Ford F-250 scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
-
Ford F-250 claim probability – Companies analyze claim trends for every vehicle to help calculate a profitable premium rate. Models that the data determines to have high amounts or severity of claims will have a higher premium rate. The table below shows the historical insurance loss data for Ford F-250 vehicles.
For each coverage category, the claim probability for all vehicles, as a total average, is set at 100. Numbers shown that are under 100 represent a good loss history, while percentages above 100 indicate more frequent losses or statistically larger claims.
Car Insurance Loss Data for Ford F-250 Models 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Which is the best car insurance?
When it comes to adequate coverage, there really is no “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that.
These are some specific questions could help you determine if you would benefit from an agent’s advice.
- Can I drive in Mexico and have coverage?
- Which companies are cheaper for teen drivers?
- Is a new car covered when I drive it off the dealer lot?
- Do I have ACV or replacement cost coverage?
- Is my state a no-fault state?
- Does car insurance cover theft of personal property?
- What is the ISO rating for a Ford F-250?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
Quote. Compare. Save.
When shopping online for insurance, do not buy poor coverage just to save money. Too many times, consumers will sacrifice full coverage and found out when filing a claim that the savings was not a smart move. The goal is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.
We covered many tips how you can get a better price on Ford F-250 insurance in Irvine. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding affordable Irvine car insurance quotes. Consumers could even find that the lowest prices come from an unexpected company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Progressive or GEICO.
Cheaper Ford F-250 insurance in Irvine is possible both online and also from your neighborhood Irvine agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and usually these smaller companies only sell coverage through independent agencies.
How to find affordable Ford F-250 insurance in Irvine
The best way we recommend to find cheaper quotes for Ford F-250 insurance is to compare prices annually from providers in Irvine. Drivers can shop around by completing these steps.
First, learn about how insurance works and the measures you can control to keep rates in check. Many risk factors that cause high rates like distracted driving and poor credit rating can be controlled by improving your driving habits or financial responsibility.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for a wide range of companies. Compare rates now
Third, compare the new quotes to your existing policy to see if you can save by switching companies. If you can save some money and decide to switch, make sure coverage is continuous and does not lapse.
Fourth, provide proper notification to your current company of your decision to cancel your current car insurance policy and submit a signed application and payment for the new policy. Be sure to keep the new certificate verifying coverage in your vehicle.
One piece of advice is to use the same physical damage deductibles and liability limits on every price quote and and to get price quotes from as many companies as possible. Doing this provides a level playing field and the best rate selection.
More detailed insurance information can be read at these sites:
- Safety Belts FAQ (iihs.org)
- What Insurance is Cheapest for Nurses in Irvine? (FAQ)
- How Much are Irvine Car Insurance Rates for a Toyota RAV4? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with Accidents in Irvine? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)