Are you trying to find the cheapest Ford F-250 insurance in Lubbock? Searching for the lowest cost Lubbock Ford F-250 insurance quotes may be problematic for drivers that are not comfortable with quoting and price shopping on the internet. With such a big selection of agents and companies in the marketplace, how are drivers able to even start to compare the different rates to find the best pricing?
How to find low-cost Ford F-250 insurance in Lubbock
The most effective way to get discount Ford F-250 insurance in Lubbock is to regularly compare prices from different companies that sell auto insurance in Texas.
- Learn about how car insurance works and the measures you can take to prevent rate increases. Many factors that cause rate increases like careless driving and a low credit rating can be rectified by improving your driving habits or financial responsibility.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or State Farm, while independent agencies can provide price quotes for a wide range of companies.
- Compare the new rates to the premium of your current policy to see if a cheaper price is available. If you find better rates and make a switch, ensure there is no coverage lapse between policies.
- Provide adequate notice to your current company to cancel the current policy. Submit a down payment along with a signed application to your new insurance company. When you receive it, keep your new certificate verifying proof of insurance with the vehicle registration.
An important bit of advice to remember is that you’ll want to compare the same physical damage deductibles and liability limits on every price quote and and to get rate quotes from every insurance company. This enables the most accurate price comparison and a complete price analysis.
We don’t have to tell you that insurance companies don’t want policyholders to shop around. Consumers who shop around for cheaper prices will probably switch companies because there is a significant possibility of finding coverage at a more affordable price. A study showed that people who compared rates annually saved over $70 a month compared to other drivers who never shopped around for lower prices.
If finding the best rates on auto insurance is your goal, learning the best ways to shop for coverage rates can save time and money.
If you already have coverage, you should be able to reduce the price you pay using the concepts covered in this article. The purpose of this post is to instruct you on how to get online quotes and some tips to save money. But Texas car owners must understand how the larger insurance companies calculate your policy premium and use this information to your advantage.
The are a couple different ways to obtain and compare prices from lots of Texas auto insurance companies. By far the easiest way to find cheaper Ford F-250 rates consists of shopping online.
It’s important to know that comparing more quotes helps improve the odds of finding a lower rate than you’re paying now.
The auto insurance companies shown below offer comparison quotes in Lubbock, TX. To locate cheap car insurance in Texas, we suggest you compare several of them in order to find the most affordable rates.
Facts and figures for Ford F-250 insurance
The premium information displayed next showcases estimates of insurance costs for Ford F-250 models. Being aware of how insurance policy premiums are formulated is important for drivers to make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $206 | $392 | $452 | $26 | $136 | $1,212 | $101 |
| F-250 XL Cabela Package 2WD | $232 | $462 | $452 | $26 | $136 | $1,308 | $109 |
| F-250 XL Super Cab 2WD | $232 | $462 | $452 | $26 | $136 | $1,308 | $109 |
| F-250 XLT 2WD | $232 | $462 | $452 | $26 | $136 | $1,308 | $109 |
| F-250 XL 4WD | $232 | $392 | $500 | $30 | $150 | $1,304 | $109 |
| F-250 XLT Super Cab 2WD | $232 | $462 | $452 | $26 | $136 | $1,308 | $109 |
| F-250 XL Super Cab Cabela Package 2WD | $232 | $462 | $452 | $26 | $136 | $1,308 | $109 |
| F-250 XL Harley Edition 2WD | $232 | $462 | $452 | $26 | $136 | $1,308 | $109 |
| F-250 XL Crew Cab 2WD | $232 | $462 | $452 | $26 | $136 | $1,308 | $109 |
| F-250 XLT 4WD | $232 | $462 | $500 | $30 | $150 | $1,374 | $115 |
| F-250 XL Cabela Package 4WD | $232 | $462 | $500 | $30 | $150 | $1,374 | $115 |
| F-250 XL Crew Cab 4WD | $232 | $462 | $500 | $30 | $150 | $1,374 | $115 |
| F-250 XL Super Cab 4WD | $232 | $462 | $500 | $30 | $150 | $1,374 | $115 |
| F-250 XL Crew Cab Cabela Package 2WD | $232 | $532 | $452 | $26 | $136 | $1,378 | $115 |
| F-250 XL Super Cab Harley Edition 2WD | $232 | $532 | $452 | $26 | $136 | $1,378 | $115 |
| F-250 XL Turbo Diesel 2WD | $232 | $532 | $452 | $26 | $136 | $1,378 | $115 |
| F-250 King Ranch Crew Cab 2WD | $232 | $532 | $452 | $26 | $136 | $1,378 | $115 |
| F-250 XLT Crew Cab 2WD | $232 | $532 | $452 | $26 | $136 | $1,378 | $115 |
| F-250 XL Super Cab Cabela Package 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 XLT Super Cab 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 XL Harley Edition 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 King Ranch Crew Cab 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 Lariat Crew Cab 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 XL Super Cab Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 XL Crew Cab Harley Edition 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 Lariat Super Cab 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 XLT Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 XL Cabela Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 XLT Turbo Diesel 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 XLT Crew Cab 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 XL Super Cab Turbo Diesel 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 XL Crew Cab Harley Edition 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 XL Cabela Turbo Diesel 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 Lariat Super Cab 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 XL Turbo Diesel 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 XL Super Cab Harley Edition 4WD | $258 | $462 | $500 | $30 | $150 | $1,400 | $117 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 XL Harley Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $258 | $532 | $452 | $26 | $136 | $1,404 | $117 |
| F-250 Lariat Crew Cab 4WD | $258 | $532 | $500 | $30 | $150 | $1,470 | $123 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $258 | $532 | $500 | $30 | $150 | $1,470 | $123 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $258 | $532 | $500 | $30 | $150 | $1,470 | $123 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $258 | $532 | $500 | $30 | $150 | $1,470 | $123 |
| F-250 Cabela Crew Cab 4WD | $258 | $532 | $500 | $30 | $150 | $1,470 | $123 |
| F-250 XL Harley Turbo Diesel 4WD | $258 | $532 | $500 | $30 | $150 | $1,470 | $123 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $258 | $532 | $500 | $30 | $150 | $1,470 | $123 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $258 | $602 | $452 | $26 | $136 | $1,474 | $123 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $286 | $532 | $500 | $30 | $150 | $1,498 | $125 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $286 | $532 | $500 | $30 | $150 | $1,498 | $125 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $286 | $532 | $500 | $30 | $150 | $1,498 | $125 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $286 | $532 | $500 | $30 | $150 | $1,498 | $125 |
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific location information which can lower or raise coverage prices greatly.
Why you need quality insurance for your F-250
Even though Lubbock F-250 insurance rates can get expensive, maintaining insurance serves a purpose in several ways.
- Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to be legal. 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 have a lien on your Ford, more than likely the lender will force you to buy insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank or lender will purchase a policy for your Ford at a significantly higher premium and require you to pay the higher premium.
- Insurance protects both your car and your assets. It also can pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will cover the damage repairs after a deductible is paid.
The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is wasting up to $700 annually so shop around every year to be sure current rates are still competitive.
You Can Change Your Insurance Costs
A large part of saving on insurance is knowing some of the elements that go into determining your insurance rates. If you have a feel for what controls the rates you pay, this enables informed choices that can earn you cheaper rates.
The itemized list below are some of the factors companies use to determine your rates.
- Married drivers get better rates – Having a wife or husband actually saves money on your insurance policy. Having a significant other generally demonstrates drivers are more mature and insurance companies reward insureds because married drivers tend to file fewer claims.
- Low deductibles cost more – Protection for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Examples of some claims that would be covered could be a broken side mirror, flood damage, and burglary. Comprehensive and collision coverage deductibles state the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount the insured has to pay upfront, the less your insurance will be.
- Do thieves like your car? – Choosing a vehicle with advanced anti-theft systems can earn a premium discount. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart vehicle theft.
- Extra coverages can cost a lot – There are a lot of optional add-on coverages that sound like a good idea at the time but may not be useful. Add-on coverages like roadside assistance, better glass coverage, and additional equipment coverage may not be needed and are just wasting money. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate them to save money.
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Insurance losses for a Ford F-250 – Car insurance companies analyze claim trends for every vehicle when setting premium prices. Models that the statistics show to have high amounts or severity of claims will cost more for specific coverages.
The next table shows the actual insurance loss data for Ford F-250 vehicles. For each coverage category, the statistical loss for all vehicles, as an average, is represented as 100. Numbers under 100 indicate a favorable loss history, while values that are above 100 point to more frequent losses or statistically larger claims.
Insurance Loss Ratings for Ford F-250 Vehicles Specific Ford 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
You may need specialized insurance coverage
Keep in mind that when it comes to choosing your policy, there really isn’t a cookie cutter policy. Your situation is unique.
Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.
- Why am I required to get a high-risk car insurance policy?
- Which is better, split liability limits or combined limits?
- What is the premium to book value ratio for dropping full coverage?
- Am I getting all the discounts available?
- Will damage be repaired with OEM parts?
- What is high-risk coverage and where do I buy it?
- Am I covered when driving someone else’s vehicle?
- Does insurance cover tools stolen from my truck?
If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.
Ratings for Texas car insurance companies
Choosing the top auto insurance provider can be challenging considering how many companies provide coverage in Lubbock. The ranking data displayed below can help you select which car insurance providers to look at when comparing rate quotes.
Top 10 Lubbock Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
A conclusion for your insurance search
Lower-priced insurance in Lubbock is possible both online and from local insurance agents, so get free Lubbock auto insurance quotes from both of them to have the best selection. Some insurance providers may not have the ability to get quotes online and these regional carriers only sell coverage through local independent agents.
We just covered many ways to compare Ford F-250 insurance prices in Lubbock. The most important thing to understand is the more times you quote, the higher your chance of finding low cost Lubbock auto insurance quotes. Consumers may even find the lowest priced insurance comes from a small mutual company.
Insureds change insurance companies for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, delays in responding to claim requests or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company can be pretty painless.
How to buy lower priced Ford F-250 insurance in Lubbock
If you want to save the most money, the best way to save on Ford F-250 insurance is to begin comparing prices regularly from insurance carriers that sell auto insurance in Lubbock. Rate comparisons can be done by following these steps.
- First, read about car insurance and the measures you can take to prevent high rates. Many things that drive up the price like traffic violations and an unacceptable credit history can be rectified by making minor driving habit or lifestyle changes.
- Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes for a wide range of insurance providers.
- Third, compare the price quotes to your current policy premium and see if you can save money. If you find a lower rate and make a switch, make sure there is no lapse in coverage.
- Fourth, give proper notification to your current agent or company of your intention to cancel your existing policy and submit the application along with any required down payment to the newly selected company. Once the application is submitted, store the certificate of insurance in your vehicle.
One important bit of advice is that you use identical limits and deductibles on each quote request and to quote with as many companies as possible. Doing this guarantees a fair price comparison and a thorough price selection.
Helpful resources
- Understanding Rental Car Insurance (Insurance Information Institute)
- Who Has the Cheapest Car Insurance for Ride Shares in Lubbock? (FAQ)
- Coverage Information (Progressive Insurance)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Side Impact Crash Tests (iihs.org)
- Comprehensive Coverage (Liberty Mutual)