Astonishing but true according to a recent study, most insurance buyers in Pennsylvania have remained with the same insurance company for more than four years, and practically 40% of insurance customers have never compared rates from other carriers. American drivers could save roughly 47% a year by just comparing quotes, but they don’t know how much they could save if they replace their high priced policy.
Truthfully, the best way to save on Ford F-250 insurance is to do an annual price comparison from companies who sell insurance in Pittsburgh. Price quotes can be compared by following these guidelines.
- Get an understanding of how car insurance works and the factors you can control to keep rates low. Many rating criteria that cause high rates such as distracted driving and a not-so-good credit score can be controlled by making minor changes to your lifestyle. Read the full article for ideas to get lower rates and get bigger discounts that may have been overlooked.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes from multiple companies. View prices
- Compare the new rates to your existing coverage and determine if cheaper F-250 coverage is available in Pittsburgh. If you find better rates, make sure there is no coverage gap between policies.
The most important part of this process is that you’ll want to compare the same deductibles and limits on every quote request and and to get price quotes from all possible companies. Doing this helps ensure the most accurate price comparison and and a good selection of different prices.
Ford F-250 detailed coverage information
The rate information shown below showcases detailed analysis of insurance costs for Ford F-250 models. Knowing how auto insurance prices are determined helps drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $136 | $278 | $420 | $24 | $126 | $984 | $82 |
| F-250 XL Cabela Package 2WD | $152 | $328 | $420 | $24 | $126 | $1,050 | $88 |
| F-250 XL Super Cab 2WD | $152 | $328 | $420 | $24 | $126 | $1,050 | $88 |
| F-250 XLT 2WD | $152 | $328 | $420 | $24 | $126 | $1,050 | $88 |
| F-250 XL 4WD | $152 | $278 | $466 | $28 | $140 | $1,064 | $89 |
| F-250 XLT Super Cab 2WD | $152 | $328 | $420 | $24 | $126 | $1,050 | $88 |
| F-250 XL Super Cab Cabela Package 2WD | $152 | $328 | $420 | $24 | $126 | $1,050 | $88 |
| F-250 XL Harley Edition 2WD | $152 | $328 | $420 | $24 | $126 | $1,050 | $88 |
| F-250 XL Crew Cab 2WD | $152 | $328 | $420 | $24 | $126 | $1,050 | $88 |
| F-250 XLT 4WD | $152 | $328 | $466 | $28 | $140 | $1,114 | $93 |
| F-250 XL Cabela Package 4WD | $152 | $328 | $466 | $28 | $140 | $1,114 | $93 |
| F-250 XL Crew Cab 4WD | $152 | $328 | $466 | $28 | $140 | $1,114 | $93 |
| F-250 XL Super Cab 4WD | $152 | $328 | $466 | $28 | $140 | $1,114 | $93 |
| F-250 XL Crew Cab Cabela Package 2WD | $152 | $376 | $420 | $24 | $126 | $1,098 | $92 |
| F-250 XL Super Cab Harley Edition 2WD | $152 | $376 | $420 | $24 | $126 | $1,098 | $92 |
| F-250 XL Turbo Diesel 2WD | $152 | $376 | $420 | $24 | $126 | $1,098 | $92 |
| F-250 King Ranch Crew Cab 2WD | $152 | $376 | $420 | $24 | $126 | $1,098 | $92 |
| F-250 XLT Crew Cab 2WD | $152 | $376 | $420 | $24 | $126 | $1,098 | $92 |
| F-250 XL Super Cab Cabela Package 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 XLT Super Cab 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 XL Harley Edition 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 King Ranch Crew Cab 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 Lariat Crew Cab 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 XL Super Cab Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 XL Crew Cab Harley Edition 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 Lariat Super Cab 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 XLT Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 XL Cabela Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 XLT Turbo Diesel 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 XLT Crew Cab 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 XL Super Cab Turbo Diesel 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 XL Crew Cab Harley Edition 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 XL Cabela Turbo Diesel 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 Lariat Super Cab 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 XL Turbo Diesel 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 XL Super Cab Harley Edition 4WD | $170 | $328 | $466 | $28 | $140 | $1,132 | $94 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 XL Harley Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $170 | $376 | $420 | $24 | $126 | $1,116 | $93 |
| F-250 Lariat Crew Cab 4WD | $170 | $376 | $466 | $28 | $140 | $1,180 | $98 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $170 | $376 | $466 | $28 | $140 | $1,180 | $98 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $170 | $376 | $466 | $28 | $140 | $1,180 | $98 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $170 | $376 | $466 | $28 | $140 | $1,180 | $98 |
| F-250 Cabela Crew Cab 4WD | $170 | $376 | $466 | $28 | $140 | $1,180 | $98 |
| F-250 XL Harley Turbo Diesel 4WD | $170 | $376 | $466 | $28 | $140 | $1,180 | $98 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $170 | $376 | $466 | $28 | $140 | $1,180 | $98 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $170 | $426 | $420 | $24 | $126 | $1,166 | $97 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $188 | $376 | $466 | $28 | $140 | $1,198 | $100 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $188 | $376 | $466 | $28 | $140 | $1,198 | $100 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $188 | $376 | $466 | $28 | $140 | $1,198 | $100 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $188 | $376 | $466 | $28 | $140 | $1,198 | $100 |
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in specific Pittsburgh garaging location which can modify premiums significantly.
The information below demonstrates how choosing different deductibles and can impact Ford F-250 premium costs for each different age category. The data is based on a married female driver, full coverage, and no discounts are factored in.
How do Car Insurance Companies Determine Ford F-250 Insurance Costs?
Lots of factors are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as your driving history, although some other factors are less obvious like your continuous coverage or how safe your car is. One of the most helpful ways to save on insurance is to to have a grasp of the factors that play a part in calculating your insurance rates. If you know what influences your rates, this enables informed choices that will entitle you to cheaper rates.
The factors shown below are a few of the things used by insurance companies to determine your prices.
Lower miles equals lower premium – Driving a lot of miles in a year the higher your rates will be. The majority of insurers charge rates based upon how the vehicle is primarily used. Autos not used for work or commuting receive better premium rates than cars that get driven a lot. Having an incorrect usage rating on your F-250 can cost quite a bit. Verify your insurance declarations sheet states the proper vehicle usage.
Higher rates for specific jobs – Jobs such as military personnel, social workers, and financial analysts are shown to have the highest rates in part from intense work-related stress and long work hours. On the other hand, professions such as farmers, students and retirees pay lower than average rates.
High performance vehicles cost more to insure – The type of vehicle you drive makes a big difference in your auto insurance rates. Low performance passenger models generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.
The next chart is based on a single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. The data compares Ford F-250 insurance rates compared to other makes and models that have different performance risks.
Claims cost money – Car insurance companies in Pennsylvania generally give lower rates to insureds who are claim-free. If you file a lot of claims you can look forward to increased rates or even have your policy non-renewed. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
Bad drivers pay high prices – Getting just one chargeable violation may increase your cost by as much as twenty percent. Drivers with clean records get better rates than bad drivers. Drivers who have gotten severe tickets such as DWI, reckless driving or hit and run convictions may find that they have to to maintain a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
The diagram below demonstrates how citations and at-fault collisions can influence Ford F-250 insurance rates for different age categories. The rate quotes are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
Claims statistics for a Ford F-250 – Insurance companies include the past claim history for a vehicle to calculate a price that offsets possible losses. Models that the statistics show to have higher claim amounts or frequency will have a higher cost to insure.
The table below shows the historical insurance loss data for Ford F-250 vehicles. For each policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is represented as 100. Values below 100 represent a good loss history, while values that are 100 or greater indicate higher probability of having a loss or an increased chance of a larger loss.
| 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 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Don’t give up on affordable rates
In this article, we presented some good ideas how you can compare Ford F-250 insurance premium rates in Pittsburgh. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding affordable Ford F-250 insurance quotes. Consumers could even find that the lowest premium rates come from a small mutual company. Smaller companies may have significantly lower prices on certain market segments compared to the large companies like State Farm or Progressive.
Cheaper auto insurance in Pittsburgh is possible both online in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not provide the ability to get quotes online and most of the time these small insurance companies sell through local independent agents.
More tips and info about auto insurance is located in the articles below:
- Teen Driving Statistics (GEICO)
- Who Has the Cheapest Auto Insurance for a Company Car in Pittsburgh? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Ford Explorer in Pittsburgh? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Jeep Wrangler in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Auto Insurance for Welfare Recipients? (FAQ)
- How Much are Pittsburgh Car Insurance Rates for a Honda CR-V? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)