It takes a little time, but the best way to get low-cost Ford F-250 insurance is to annually compare prices from insurance carriers who provide auto insurance in Louisville.
- Step 1: Take a little time to learn about how companies price auto insurance and the factors you can control to prevent expensive coverage. Many factors that result in higher rates like traffic violations and poor credit can be rectified by making small lifestyle or driving habit changes.
- Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like GEICO or State Farm, while agents who are independent can provide prices for a wide range of companies.
- Step 3: Compare the new rates to your existing policy to see if a cheaper price is available in Louisville. If you find a lower rate quote and decide to switch, ensure coverage does not lapse between policies.
- Step 4: Tell your current agent or company of your decision to cancel your current coverage. Submit any necessary down payment along with the completed application to your new insurance company. Once the application is submitted, place your new certificate verifying proof of insurance in an easily accessible location.
The critical component of shopping around is to make sure you’re comparing identical coverages on every price quote and and to look at every insurance company. This enables the most accurate price comparison and a thorough selection of prices.
It’s hard to fathom, but the vast majority of consumers kept their coverage with the same car insurance company for well over three years, and roughly 40% of drivers have never compared rates to find cheap insurance. With the average car insurance premium being $1,847, U.S. drivers could save almost 46.5% each year, but they don’t believe the amount of savings they would get if they changed companies.
The quickest way to get rate comparisons for Ford F-250 insurance in Louisville is to take advantage of the fact all the major auto insurance companies provide online access to give you rate quotes. To start a quote, the only thing you need to do is provide details such as whether you are single or married, types of safety features, if a SR-22 is needed, and whether the vehicles are used for commuting. That rating data is then sent to insurance companies and you will get price comparisons instantly to find the best rate.
If you wish to get multiple quotes for your car now, click here and enter the information requested.
The companies shown below have been selected to offer free quotes in Louisville, KY. To get cheaper car insurance in Kentucky, we suggest you click on several of them to get a more complete price comparison.
Why you need insurance for your vehicle
Despite the high insurance cost for a Ford F-250 in Louisville, maintaining insurance is not optional due to several reasons.
- Just about all states have mandatory liability insurance requirements which means state laws require a specific level of liability protection if you don’t want to risk a ticket. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Ford F-250, almost every bank will require that you buy full coverage to guarantee loan repayment. If the policy lapses, the lender will be forced to insure your Ford for a lot more money and force you to pay a much higher amount than you were paying before.
- Insurance protects both your Ford and your assets. Insurance will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of insuring your F-250 outweigh the cost, especially for larger claims. On average, a vehicle owner in Louisville is currently overpaying as much as $865 each year so it’s very important to do a rate comparison at every policy renewal to make sure the price is not too high.
Detailed insurance information
The table displayed below outlines different insurance prices for Ford F-250 models. Having a better idea how insurance rates are figured can help drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $228 | $422 | $498 | $30 | $150 | $1,328 | $111 |
| F-250 XL Cabela Package 2WD | $256 | $496 | $498 | $30 | $150 | $1,430 | $119 |
| F-250 XL Super Cab 2WD | $256 | $496 | $498 | $30 | $150 | $1,430 | $119 |
| F-250 XLT 2WD | $256 | $496 | $498 | $30 | $150 | $1,430 | $119 |
| F-250 XL 4WD | $256 | $422 | $552 | $32 | $164 | $1,426 | $119 |
| F-250 XLT Super Cab 2WD | $256 | $496 | $498 | $30 | $150 | $1,430 | $119 |
| F-250 XL Super Cab Cabela Package 2WD | $256 | $496 | $498 | $30 | $150 | $1,430 | $119 |
| F-250 XL Harley Edition 2WD | $256 | $496 | $498 | $30 | $150 | $1,430 | $119 |
| F-250 XL Crew Cab 2WD | $256 | $496 | $498 | $30 | $150 | $1,430 | $119 |
| F-250 XLT 4WD | $256 | $496 | $552 | $32 | $164 | $1,500 | $125 |
| F-250 XL Cabela Package 4WD | $256 | $496 | $552 | $32 | $164 | $1,500 | $125 |
| F-250 XL Crew Cab 4WD | $256 | $496 | $552 | $32 | $164 | $1,500 | $125 |
| F-250 XL Super Cab 4WD | $256 | $496 | $552 | $32 | $164 | $1,500 | $125 |
| F-250 XL Crew Cab Cabela Package 2WD | $256 | $572 | $498 | $30 | $150 | $1,506 | $126 |
| F-250 XL Super Cab Harley Edition 2WD | $256 | $572 | $498 | $30 | $150 | $1,506 | $126 |
| F-250 XL Turbo Diesel 2WD | $256 | $572 | $498 | $30 | $150 | $1,506 | $126 |
| F-250 King Ranch Crew Cab 2WD | $256 | $572 | $498 | $30 | $150 | $1,506 | $126 |
| F-250 XLT Crew Cab 2WD | $256 | $572 | $498 | $30 | $150 | $1,506 | $126 |
| F-250 XL Super Cab Cabela Package 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 XLT Super Cab 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 XL Harley Edition 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 King Ranch Crew Cab 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 Lariat Crew Cab 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 XL Super Cab Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 XL Crew Cab Harley Edition 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 Lariat Super Cab 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 XLT Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 XL Cabela Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 XLT Turbo Diesel 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 XLT Crew Cab 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 XL Super Cab Turbo Diesel 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 XL Crew Cab Harley Edition 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 XL Cabela Turbo Diesel 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 Lariat Super Cab 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 XL Turbo Diesel 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 XL Super Cab Harley Edition 4WD | $286 | $496 | $552 | $32 | $164 | $1,530 | $128 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 XL Harley Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $286 | $572 | $498 | $30 | $150 | $1,536 | $128 |
| F-250 Lariat Crew Cab 4WD | $286 | $572 | $552 | $32 | $164 | $1,606 | $134 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $286 | $572 | $552 | $32 | $164 | $1,606 | $134 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $286 | $572 | $552 | $32 | $164 | $1,606 | $134 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $286 | $572 | $552 | $32 | $164 | $1,606 | $134 |
| F-250 Cabela Crew Cab 4WD | $286 | $572 | $552 | $32 | $164 | $1,606 | $134 |
| F-250 XL Harley Turbo Diesel 4WD | $286 | $572 | $552 | $32 | $164 | $1,606 | $134 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $286 | $572 | $552 | $32 | $164 | $1,606 | $134 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $286 | $648 | $498 | $30 | $150 | $1,612 | $134 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $316 | $572 | $552 | $32 | $164 | $1,636 | $136 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $316 | $572 | $552 | $32 | $164 | $1,636 | $136 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $316 | $572 | $552 | $32 | $164 | $1,636 | $136 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $316 | $572 | $552 | $32 | $164 | $1,636 | $136 |
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific zip code location which can decrease or increase coverage rates substantially.
Illustration showing the impact of accidents and violations
The information below shows how traffic citations and at-fault fender-benders can raise Ford F-250 insurance prices for different age categories. The rate quotes are based on a married female driver, full coverage, $250 deductibles, and no discounts are factored in.
Take policy discounts and save on Ford F-250 insurance in Louisville
Some insurance providers don’t always list all available discounts very well, so the below list has both well-publicized and also the more inconspicuous discounts that may be available.
- Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course in high school.
- Early Signing – Some auto insurance companies reward drivers for signing up before your current coverage expires. You could save around 10% when you buy Louisville auto insurance online.
- Accident Waiver – This one isn’t a discount, but some companies like Allstate, State Farm and GEICO may permit one accident without raising rates with the catch being you have to be claim-free for a specific time period.
- Resident Student – Children living away from Louisville attending college and do not take a car to college may qualify for this discount.
- Bundle and Save – If you insure your home and vehicles with the same company you could save nearly 15% which can help you find low cost Ford F-250 insurance.
- Theft Deterrent – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and therefore earn up to a 10% discount.
- Discounts for Cautious Drivers – Drivers without accidents can pay as much as 50% less than less cautious drivers.
- Student Discounts – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
As a footnote on discounts, many deductions do not apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.
The illustration below shows the comparison of Ford F-250 insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or driving citations, Kentucky state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, safe-driver, and claim-free discounts applied.
Some of the insurance companies that have most of these discounts may include but are not limited to:
If you need cheaper Louisville auto insurance quotes, ask every insurance company which discounts you qualify for. Some credits may not be available everywhere.
Auto insurance can get complicated
Always remember that when buying proper insurance coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.
- Where can I find DUI or SR-22 insurance?
- Is my Ford F-250 covered if I use it for business?
- What if I owe more than I can insure my car for?
- Can I make deliveries for my home business?
- I have health insurance so do I need medical payments coverage?
- When can I cancel my policy?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.