A recent car insurance study discovered that nearly 70% of Kentucky drivers kept their coverage with the same car insurance company for a minimum of four years, and 38% of customers have never shopped around. The average driver in America can save hundreds of dollars each year just by comparing rates, but they just assume it’s a time-consuming process to compare rates.
It takes a little time, but the best way to get cheaper Ford F-250 insurance is to begin comparing prices regularly from insurance carriers in Lexington.
- Step 1: Take a little time to learn about what coverages are included in your policy and the modifications you can make to keep rates low. Many rating criteria that drive up the price like speeding and poor credit rating can be remedied by making minor driving habit or lifestyle changes.
- Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO or Allstate, while independent agents can give you price quotes from many different companies. View companies
- Step 3: Compare the new rate quotes to the price on your current policy and determine if cheaper F-250 coverage is available. If you find a better price and decide to switch, make sure coverage does not lapse between policies.
- Step 4: Notify your current company to cancel your existing policy. Submit the completed application along with a down payment to the new company. Once coverage is bound, place the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
The most important part of this process is that you use identical limits and deductibles on every quote request and to quote with as many companies as feasibly possible. Doing this provides a level playing field and a good representation of prices.
Insurance coverage analysis
The price information shown next highlights a range of coverage costs for Ford F-250 models. Having a better understanding of how insurance quotes are formulated can be valuable when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $312 | $624 | $498 | $30 | $150 | $1,614 | $135 |
| F-250 XL Cabela Package 2WD | $352 | $736 | $498 | $30 | $150 | $1,766 | $147 |
| F-250 XL Super Cab 2WD | $352 | $736 | $498 | $30 | $150 | $1,766 | $147 |
| F-250 XLT 2WD | $352 | $736 | $498 | $30 | $150 | $1,766 | $147 |
| F-250 XL 4WD | $352 | $624 | $552 | $32 | $164 | $1,724 | $144 |
| F-250 XLT Super Cab 2WD | $352 | $736 | $498 | $30 | $150 | $1,766 | $147 |
| F-250 XL Super Cab Cabela Package 2WD | $352 | $736 | $498 | $30 | $150 | $1,766 | $147 |
| F-250 XL Harley Edition 2WD | $352 | $736 | $498 | $30 | $150 | $1,766 | $147 |
| F-250 XL Crew Cab 2WD | $352 | $736 | $498 | $30 | $150 | $1,766 | $147 |
| F-250 XLT 4WD | $352 | $736 | $552 | $32 | $164 | $1,836 | $153 |
| F-250 XL Cabela Package 4WD | $352 | $736 | $552 | $32 | $164 | $1,836 | $153 |
| F-250 XL Crew Cab 4WD | $352 | $736 | $552 | $32 | $164 | $1,836 | $153 |
| F-250 XL Super Cab 4WD | $352 | $736 | $552 | $32 | $164 | $1,836 | $153 |
| F-250 XL Crew Cab Cabela Package 2WD | $352 | $846 | $498 | $30 | $150 | $1,876 | $156 |
| F-250 XL Super Cab Harley Edition 2WD | $352 | $846 | $498 | $30 | $150 | $1,876 | $156 |
| F-250 XL Turbo Diesel 2WD | $352 | $846 | $498 | $30 | $150 | $1,876 | $156 |
| F-250 King Ranch Crew Cab 2WD | $352 | $846 | $498 | $30 | $150 | $1,876 | $156 |
| F-250 XLT Crew Cab 2WD | $352 | $846 | $498 | $30 | $150 | $1,876 | $156 |
| F-250 XL Super Cab Cabela Package 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 XLT Super Cab 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 XL Harley Edition 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 King Ranch Crew Cab 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 Lariat Crew Cab 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 XL Super Cab Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 XL Crew Cab Harley Edition 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 Lariat Super Cab 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 XLT Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 XL Cabela Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 XLT Turbo Diesel 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 XLT Crew Cab 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 XL Super Cab Turbo Diesel 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 XL Crew Cab Harley Edition 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 XL Cabela Turbo Diesel 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 Lariat Super Cab 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 XL Turbo Diesel 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 XL Super Cab Harley Edition 4WD | $392 | $736 | $552 | $32 | $164 | $1,876 | $156 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 XL Harley Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $392 | $846 | $498 | $30 | $150 | $1,916 | $160 |
| F-250 Lariat Crew Cab 4WD | $392 | $846 | $552 | $32 | $164 | $1,986 | $166 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $392 | $846 | $552 | $32 | $164 | $1,986 | $166 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $392 | $846 | $552 | $32 | $164 | $1,986 | $166 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $392 | $846 | $552 | $32 | $164 | $1,986 | $166 |
| F-250 Cabela Crew Cab 4WD | $392 | $846 | $552 | $32 | $164 | $1,986 | $166 |
| F-250 XL Harley Turbo Diesel 4WD | $392 | $846 | $552 | $32 | $164 | $1,986 | $166 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $392 | $846 | $552 | $32 | $164 | $1,986 | $166 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $392 | $958 | $498 | $30 | $150 | $2,028 | $169 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $432 | $846 | $552 | $32 | $164 | $2,026 | $169 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $432 | $846 | $552 | $32 | $164 | $2,026 | $169 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $432 | $846 | $552 | $32 | $164 | $2,026 | $169 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $432 | $846 | $552 | $32 | $164 | $2,026 | $169 |
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Information does not factor in garaging location in Lexington which can alter coverage prices substantially.
The diagram below demonstrates how choosing different deductibles and can influence Ford F-250 premium costs for different age groups of insureds. The premium estimates are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
Male drivers compared to female drivers
The diagram below shows the comparison of Ford F-250 insurance costs for male and female drivers. The premium estimates are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, single status, and no discounts are factored in.
Learn How to Lower Your Insurance Rates
An important part of buying insurance is that you know some of the factors that help determine your insurance rates. When consumers understand what controls the rates you pay, this allows you to make educated decisions that could help you find lower premium levels. Many factors are used in the calculation when quoting car insurance. Some factors are common sense like an MVR report, but other criteria are not as apparent such as your credit history or your commute time.
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Expect high rates for teens – Older, more experienced drivers tend to be more responsible, tend to cause fewer accidents, and receive fewer citations. Teenage drivers have been known to be easily distracted when behind the wheel so insurance rates are higher.
The following chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Pleasure use saves money – Driving a lot of miles in a year the more you will pay for insurance. Many insurance companies price each vehicle’s coverage based on their usage. Vehicles that do not get driven very much qualify for better rates than cars that get driven a lot. Verify your declarations sheet properly reflects the correct usage for each vehicle. Improper usage on your F-250 is just wasting money.
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Accidents mean higher prices – Good drivers get better rates as compared to those with violations. Getting just one speeding ticket or other violation can increase the cost of insurance twenty percent or more. Drivers with multiple tickets like reckless driving, hit and run or driving under the influence may find that they have to to file a SR-22 with the DMV in their state in order to continue driving.
The example below highlights how traffic violations and at-fault claims can affect Ford F-250 insurance prices for different age groups. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
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High performance vehicles cost more to insure – The performance level of the car you need to insure makes a significant difference in your auto insurance rates. The cheapest rates will generally be found on the lowest performance passenger cars, but other factors influence the final cost greatly.
The data below is based on a married male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Ford F-250 car insurance rates compared to other vehicles that have a range of performance rating factors.
- No insurance claims equals better premiums – Car insurance companies in Kentucky provide cheaper rates to drivers who only file infrequent claims. If you’re an insured who likes to file claims you can look forward to either higher rates or even cancellation. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
- Getting married pays dividends – Being married can get you a discount on your insurance bill. Having a spouse means you’re more stable financially and insurance companies reward insureds because being married results in fewer claims.
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Ford F-250 claim probability – Auto insurance companies factor in historical loss data to help calculate a profitable premium rate. Vehicles that are shown to have increased claim numbers or amounts will have a higher cost to insure. The table below illustrates the compiled insurance loss statistics for Ford F-250 vehicles.
For each insurance policy coverage type, the claim probability for all vehicles compiled together is equal to 100. Percentages below 100 indicate better than average losses, while percentage numbers above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.
Ford F-250 Insurance Loss Statistics 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
Statistics from IIHS.org for 2013-2015 Model Years
Don’t give up on affordable premiums
There are still a few companies who do not offer online rate quotes and many times these regional insurance providers only sell coverage through independent agents. Lower-priced car insurance in Lexington can be bought both online in addition to many Lexington insurance agents, so you should be comparing quotes from both so you have a total pricing picture.
You just learned many ideas to reduce Ford F-250 insurance rates online in Lexington. It’s most important to understand that the more companies you get auto insurance rates for, the higher the chance of saving money. Drivers may even discover the lowest rates come from some of the smallest insurance companies. These companies often have lower auto insurance rates on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.
Additional information is located below:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has Affordable Car Insurance Quotes for 19 Year Olds in Lexington? (FAQ)
- Who Has Cheap Lexington Car Insurance Quotes for Business Use? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- What to do at the Scene of an Accident (Insurance Information Institute)