Would you like to stop wasting money and find low-cost Ford F-250 insurance in San Antonio? Finding more affordable San Antonio Ford F-250 insurance quotes online is overwhelming for vehicle owners not familiar with comparison shopping over the internet. With more and more online companies available, how are vehicle owners able to have the ability to compare every one to find the lowest price available?
It’s a known fact that insurance companies want to keep you from comparing prices. Insureds who perform rate comparisons are highly likely to buy a different policy because there is a good chance of finding a policy with better rates. A study showed that consumers who shopped around every year saved about $865 a year as compared to drivers who didn’t regularly shop around.
If saving the most money on Ford F-250 insurance is your ultimate objective, then having some knowledge of how to quote and compare coverages can help you be more efficient.
Companies offering competitive Ford F-250 rate quotes in San Antonio, TX
The companies shown below are ready to provide price quotes in San Antonio, TX. If multiple providers are shown, we recommend you visit two to three different companies to find the lowest auto insurance rates.
Rate information and statistics
The rate information displayed below outlines different insurance prices for Ford F-250 models. Being more informed about how insurance quotes are calculated can be valuable when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $178 | $358 | $520 | $30 | $156 | $1,242 | $104 |
| F-250 XL Cabela Package 2WD | $202 | $422 | $520 | $30 | $156 | $1,330 | $111 |
| F-250 XL Super Cab 2WD | $202 | $422 | $520 | $30 | $156 | $1,330 | $111 |
| F-250 XLT 2WD | $202 | $422 | $520 | $30 | $156 | $1,330 | $111 |
| F-250 XL 4WD | $202 | $358 | $576 | $34 | $172 | $1,342 | $112 |
| F-250 XLT Super Cab 2WD | $202 | $422 | $520 | $30 | $156 | $1,330 | $111 |
| F-250 XL Super Cab Cabela Package 2WD | $202 | $422 | $520 | $30 | $156 | $1,330 | $111 |
| F-250 XL Harley Edition 2WD | $202 | $422 | $520 | $30 | $156 | $1,330 | $111 |
| F-250 XL Crew Cab 2WD | $202 | $422 | $520 | $30 | $156 | $1,330 | $111 |
| F-250 XLT 4WD | $202 | $422 | $576 | $34 | $172 | $1,406 | $117 |
| F-250 XL Cabela Package 4WD | $202 | $422 | $576 | $34 | $172 | $1,406 | $117 |
| F-250 XL Crew Cab 4WD | $202 | $422 | $576 | $34 | $172 | $1,406 | $117 |
| F-250 XL Super Cab 4WD | $202 | $422 | $576 | $34 | $172 | $1,406 | $117 |
| F-250 XL Crew Cab Cabela Package 2WD | $202 | $486 | $520 | $30 | $156 | $1,394 | $116 |
| F-250 XL Super Cab Harley Edition 2WD | $202 | $486 | $520 | $30 | $156 | $1,394 | $116 |
| F-250 XL Turbo Diesel 2WD | $202 | $486 | $520 | $30 | $156 | $1,394 | $116 |
| F-250 King Ranch Crew Cab 2WD | $202 | $486 | $520 | $30 | $156 | $1,394 | $116 |
| F-250 XLT Crew Cab 2WD | $202 | $486 | $520 | $30 | $156 | $1,394 | $116 |
| F-250 XL Super Cab Cabela Package 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 XLT Super Cab 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 XL Harley Edition 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 King Ranch Crew Cab 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 Lariat Crew Cab 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XL Super Cab Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XL Crew Cab Harley Edition 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 Lariat Super Cab 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XLT Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XL Cabela Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XLT Turbo Diesel 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 XLT Crew Cab 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 XL Super Cab Turbo Diesel 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 XL Crew Cab Harley Edition 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 XL Cabela Turbo Diesel 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 Lariat Super Cab 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 XL Turbo Diesel 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 XL Super Cab Harley Edition 4WD | $224 | $422 | $576 | $34 | $172 | $1,428 | $119 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XL Harley Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $224 | $486 | $520 | $30 | $156 | $1,416 | $118 |
| F-250 Lariat Crew Cab 4WD | $224 | $486 | $576 | $34 | $172 | $1,492 | $124 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $224 | $486 | $576 | $34 | $172 | $1,492 | $124 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $224 | $486 | $576 | $34 | $172 | $1,492 | $124 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $224 | $486 | $576 | $34 | $172 | $1,492 | $124 |
| F-250 Cabela Crew Cab 4WD | $224 | $486 | $576 | $34 | $172 | $1,492 | $124 |
| F-250 XL Harley Turbo Diesel 4WD | $224 | $486 | $576 | $34 | $172 | $1,492 | $124 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $224 | $486 | $576 | $34 | $172 | $1,492 | $124 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $224 | $550 | $520 | $30 | $156 | $1,480 | $123 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $248 | $486 | $576 | $34 | $172 | $1,516 | $126 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $248 | $486 | $576 | $34 | $172 | $1,516 | $126 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $248 | $486 | $576 | $34 | $172 | $1,516 | $126 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $248 | $486 | $576 | $34 | $172 | $1,516 | $126 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower price quotes noticeably.
Impact of speeding/accidents on insurance rates
The information below demonstrates how citations and at-fault claims increase Ford F-250 auto insurance costs for each age group. The data assumes a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
Male drivers versus female drivers
The diagram below shows the comparison of Ford F-250 insurance costs for male and female drivers. The rate quotes are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Rate difference between full and liability-only coverage
The chart below visualizes the comparison of Ford F-250 yearly insurance costs with full coverage and liability only. The costs are based on a clean driving record, no claims, $500 deductibles, drivers are single, and no other discounts are factored in.
When to stop buying physical damage coverage
There is no set rule to eliminate full coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Ford F-250 replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after paying your deductible. If premium cost is more than $700 annually to have full coverage, then you might consider buying liability only.
There are a few situations where eliminating full coverage is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Why Your Insurance Rates might be higher
Part of the auto insurance buying process is learning some of the factors that aid in calculating the rates you pay for auto insurance. When consumers understand what influences your rates, this allows you to make educated decisions that may result in cheaper rates. Many things are part of the calculation when you quote your car insurance policy. Some factors are common sense such as your driving record, but other factors are less obvious like your continuous coverage and annual miles driven.
- Liability limits should be high – Liability insurance is the protection in the event that you are found to be at fault for an accident. It will provide legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
- Better premiums with anti-theft devices – Owning a car with advanced anti-theft systems can save you some money. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent vehicle theft.
- Drive less and save – Driving more miles every year the higher your rate. Many insurance companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles that are left in the garage receive better premium rates compared to those used for work or business. Improper usage on your F-250 is just wasting money. It’s always a good idea to double check that your auto insurance policy correctly shows annual mileage.
- Vehicles with better crash test results cost less to insure – Vehicles that have high safety ratings tend to have lower insurance rates. These vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If the Ford F-250 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
- Prices may be lower depending on your employer – Careers such as real estate brokers, architects, and dentists are shown to have higher premiums than the average policyholder due to job stress and lots of time spent at work. Conversely, careers like actors, students and retirees generally pay rates lower than average.
- Stay claim-free and lower auto insurance rates – If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Car insurance companies in Texas generally give the lowest premiums to insureds that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
-
Ford F-250 statistical loss data – Insurance companies study historical loss data to calculate a rate that will offset losses. Vehicles that are shown to have increased losses will be charged more to insure. The table below illustrates the compiled insurance loss statistics for Ford F-250 vehicles.
For each coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is considered to be 100. Percentage numbers below 100 suggest losses that are better than average, while values that are above 100 indicate more frequent losses or tendency to have larger claims.
Auto Insurance Loss Data for Ford F-250 Models Make and 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
Verify you’re earning every discount
Auto insurance is not inexpensive, but there’s a good chance there are discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but some need to be manually applied prior to getting the savings.
- Fewer Miles Equal More Savings – Driving less could qualify for lower rates due to less chance of an accident.
- Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you can actually save on your bill.
- Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more on F-250 insurance in San Antonio.
- Safety Restraint Discount – Drivers who require all vehicle occupants to wear their seat belts can save a little off the PIP or medical payment premium.
- Senior Citizen Discount – Mature drivers may qualify for a slight reduction on a San Antonio auto insurance quote.
- No Charge for an Accident – Not a discount per se, but certain companies may permit one accident without raising rates as long as you don’t have any claims before the accident.
- Organization Discounts – Being a member of a professional or civic organization may earn a discount on your policy.
- No Accidents – Drivers with accident-free driving histories have much lower rates when compared with bad drivers.
Just know that most credits do not apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, it doesn’t quite work that way.
The illustration below compares Ford F-250 insurance costs with and without discounts applied to the policy rates. The information is based on a female driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, safe-driver, claim-free, and multi-car discounts applied.
A list of auto insurance companies and a partial list of their discounts can be read below.
- State Farm includes discounts for driver’s education, defensive driving training, multiple policy, good student, accident-free, and passive restraint.
- GEICO has discounts for defensive driver, multi-vehicle, good student, anti-theft, and five-year accident-free.
- SAFECO offers premium reductions for bundle discounts, multi-car, anti-lock brakes, teen safe driver, and homeowner.
- Farmers Insurance may have discounts that include youthful driver, alternative fuel, multi-car, mature driver, and pay in full.
- AAA may offer discounts for good driver, pay-in-full, good student, multi-policy, and multi-car.
- USAA policyholders can earn discounts including multi-vehicle, good student, driver training, new vehicle, multi-policy, safe driver, and family discount.
Before purchasing a policy, check with every insurance company the best way to save money. Some discounts might not be offered on policies in your state. To see a list of companies that offer some of these discounts in Texas, click here to view.
Buying from insurance agents
Certain consumers prefer to sit down with an agent and that is just fine! One of the great benefits of getting free rate quotes online is you may find cheap auto insurance quotes and also buy local.
To find an agent, once you fill out this short form, the coverage information is immediately sent to insurance agents in San Antonio who will return price quotes to get your business. You won’t need to visit any agencies since rate quotes are delivered directly to your email. You’ll get the best rates without requiring a lot of work. If for some reason you want to compare prices from one company in particular, you can always jump over to their website and fill out their quote form.
Finding the right insurer needs to be determined by more than just the price. The answers to these questions are important, too.
- In the event of vehicle damage, can you pick the collision repair facility?
- Who is covered by the car insurance policy?
- Do they offer accident forgiveness?
- Can glass repairs be made at your home?
- Which insurance companies are they affiliated with?
- Do they have any clout with companies to ensure a fair claim settlement?
- If they are an independent agency in San Antonio, which companies do they recommend?
If you are searching for a good San Antonio insurance agent, you must know there are a couple different types of agencies and how they can write your policy. San Antonio agents are categorized either independent or exclusive.
Exclusive Insurance Agents
These agents can only place business with one company and some examples include State Farm, Allstate, or Farmers Insurance. They usually cannot shop your coverage around so you need to shop around if the rates are high. Exclusive agents are usually well trained on their company’s products which helps overcome the inability to quote other rates. Some people will only buy insurance from these agents mostly because of the brand name rather than having the cheapest rates.
Listed below are exclusive agencies in San Antonio willing to provide price quote information.
- State Farm: Sam Longoria
11026 Culebra Rd #105 – San Antonio, TX 78253 – (210) 433-3264 – View Map - Gary Kennedy – State Farm Insurance Agent
3029 S WW White Rd – San Antonio, TX 78222 – (210) 337-1786 – View Map - GEICO Insurance Agent
8910 Bandera Rd #110 – San Antonio, TX 78250 – (210) 673-2391 – View Map
Independent Agencies or Brokers
Independent agencies do not work for one specific company so they can insure your vehicles through many companies and possibly get better coverage at lower prices. If your premiums go up, your policy is moved internally and you don’t have to find a new agent. If you are comparing auto insurance prices, you will definitely want to include a couple of independent agencies for the best price selection. Most also write with companies that do not advertise much that may provide cheaper auto insurance rates.
The following is a short list of independent agents in San Antonio that can give you rate quotes.
- Mesquite Insurance Agency
501 W Quincy St – San Antonio, TX 78212 – (210) 472-3034 – View Map - Atlas Insurance Agency,Inc
1954 SW Military Dr – San Antonio, TX 78221 – (210) 927-2277 – View Map - Garcia Insurance Agency
1255 SW Military Dr – San Antonio, TX 78221 – (210) 593-8935 – View Map
If you feel you receive positive feedback to any questions you may have as well as an affordable premium quote, you’ve probably found an auto insurance agent that is a good match to provide auto insurance coverage.
Compare insurance rates regularly to save
As you quote San Antonio auto insurance, it’s a bad idea to reduce needed coverages to save money. In too many instances, an insured cut liability limits or collision coverage only to find out that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.
Consumers who switch companies do it for any number of reasons including extreme rates for teen drivers, questionable increases in premium, delays in responding to claim requests or policy non-renewal. No matter why you want to switch, finding a new insurance company is pretty simple and you could end up saving a buck or two.
We’ve covered a lot of tips how to save on Ford F-250 insurance in San Antonio. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest rates come from an unexpected company.
More resources
- Coverage Information (Progressive Insurance)
- Who Has Cheap Auto Insurance Quotes for a Hyundai Elantra in San Antonio? (FAQ)
- What Car Insurance is Cheapest for a Nissan Altima in San Antonio? (FAQ)
- Choosing an Insurance Company (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Safety Tips for Teen Drivers (Insurance Information Institute)