If you want to save money, the best way to get more affordable Ford F-250 insurance in Chula Vista is to compare quotes annually from different companies who provide auto insurance in California.
First, gain an understanding of car insurance and the measures you can control to prevent expensive coverage. Many policy risk factors that drive up the price like traffic tickets, fender benders, and poor credit rating can be remedied by making small lifestyle or driving habit changes. This article provides information to find cheap prices and find more discounts that you may not know about.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO or Allstate, while agents who are independent can provide price quotes from multiple companies. View prices
Third, compare the new quotes to the price on your current policy to see if cheaper F-250 coverage is available. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
A tip to remember is to compare the same liability limits and deductibles on every price quote and and to get price estimates from all possible companies. Doing this provides an accurate price comparison and a complete price analysis.
Smart shoppers know that insurance companies want to prevent you from shopping around. Consumers who compare rates annually will probably buy a different policy because there is a good probability of finding a more affordable policy. Remarkably, a study showed that drivers who routinely compared rates saved approximately $3,400 over four years compared to other drivers who never shopped around.
If finding discount rates on Ford F-250 insurance is why you’re here, then having an understanding of how to get price quotes and compare auto insurance can help make the process easier.
The following companies have been selected to offer free rate quotes in Chula Vista, CA. In order to find the best auto insurance in Chula Vista, we recommend you visit two to three different companies to get the best price comparison.
Ford F-250 coverage analysis
The rate information shown below covers a range of insurance rates for Ford F-250 models. Having insight into how insurance premiums are determined can be of help when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $294 | $564 | $524 | $32 | $156 | $1,570 | $131 |
| F-250 XL Cabela Package 2WD | $332 | $664 | $524 | $32 | $156 | $1,708 | $142 |
| F-250 XL Super Cab 2WD | $332 | $664 | $524 | $32 | $156 | $1,708 | $142 |
| F-250 XLT 2WD | $332 | $664 | $524 | $32 | $156 | $1,708 | $142 |
| F-250 XL 4WD | $332 | $564 | $580 | $34 | $174 | $1,684 | $140 |
| F-250 XLT Super Cab 2WD | $332 | $664 | $524 | $32 | $156 | $1,708 | $142 |
| F-250 XL Super Cab Cabela Package 2WD | $332 | $664 | $524 | $32 | $156 | $1,708 | $142 |
| F-250 XL Harley Edition 2WD | $332 | $664 | $524 | $32 | $156 | $1,708 | $142 |
| F-250 XL Crew Cab 2WD | $332 | $664 | $524 | $32 | $156 | $1,708 | $142 |
| F-250 XLT 4WD | $332 | $664 | $580 | $34 | $174 | $1,784 | $149 |
| F-250 XL Cabela Package 4WD | $332 | $664 | $580 | $34 | $174 | $1,784 | $149 |
| F-250 XL Crew Cab 4WD | $332 | $664 | $580 | $34 | $174 | $1,784 | $149 |
| F-250 XL Super Cab 4WD | $332 | $664 | $580 | $34 | $174 | $1,784 | $149 |
| F-250 XL Crew Cab Cabela Package 2WD | $332 | $764 | $524 | $32 | $156 | $1,808 | $151 |
| F-250 XL Super Cab Harley Edition 2WD | $332 | $764 | $524 | $32 | $156 | $1,808 | $151 |
| F-250 XL Turbo Diesel 2WD | $332 | $764 | $524 | $32 | $156 | $1,808 | $151 |
| F-250 King Ranch Crew Cab 2WD | $332 | $764 | $524 | $32 | $156 | $1,808 | $151 |
| F-250 XLT Crew Cab 2WD | $332 | $764 | $524 | $32 | $156 | $1,808 | $151 |
| F-250 XL Super Cab Cabela Package 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 XLT Super Cab 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 XL Harley Edition 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 King Ranch Crew Cab 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 Lariat Crew Cab 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 XL Super Cab Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 XL Crew Cab Harley Edition 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 Lariat Super Cab 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 XLT Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 XL Cabela Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 XLT Turbo Diesel 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 XLT Crew Cab 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 XL Super Cab Turbo Diesel 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 XL Crew Cab Harley Edition 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 XL Cabela Turbo Diesel 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 Lariat Super Cab 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 XL Turbo Diesel 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 XL Super Cab Harley Edition 4WD | $370 | $664 | $580 | $34 | $174 | $1,822 | $152 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 XL Harley Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $370 | $764 | $524 | $32 | $156 | $1,846 | $154 |
| F-250 Lariat Crew Cab 4WD | $370 | $764 | $580 | $34 | $174 | $1,922 | $160 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $370 | $764 | $580 | $34 | $174 | $1,922 | $160 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $370 | $764 | $580 | $34 | $174 | $1,922 | $160 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $370 | $764 | $580 | $34 | $174 | $1,922 | $160 |
| F-250 Cabela Crew Cab 4WD | $370 | $764 | $580 | $34 | $174 | $1,922 | $160 |
| F-250 XL Harley Turbo Diesel 4WD | $370 | $764 | $580 | $34 | $174 | $1,922 | $160 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $370 | $764 | $580 | $34 | $174 | $1,922 | $160 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $370 | $866 | $524 | $32 | $156 | $1,948 | $162 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $406 | $764 | $580 | $34 | $174 | $1,958 | $163 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $406 | $764 | $580 | $34 | $174 | $1,958 | $163 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $406 | $764 | $580 | $34 | $174 | $1,958 | $163 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $406 | $764 | $580 | $34 | $174 | $1,958 | $163 |
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in vehicle garaging location which can raise or lower coverage rates considerably.
The diagram below illustrates how your choice of deductibles and can change Ford F-250 premium costs for different ages of insureds. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Difference between liability only and full coverage rates
The diagram below compares Ford F-250 auto insurance rates when comparing full coverage to liability only. The costs are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no policy discounts are applied.
When to switch to liability coverage only
There is no written rule to eliminate physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Ford F-250 settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,000 after you pay the deductible. If you are currently paying more than $800 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where removing full coverage is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Why you need insurance for your vehicle
Despite the high insurance cost for a Ford F-250 in Chula Vista, insurance may be required and benefits you in several ways.
First, just about all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability insurance in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your F-250 with a loan, most banks will have a requirement that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may insure your Ford at an extremely high rate and force you to pay the higher premium.
Third, insurance preserves your Ford and your assets. Insurance will pay for medical bills for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance more than cancel out the cost, especially for larger claims. Today the average American driver is wasting up to $825 a year so compare rates every year to save money.
How Insurance Companies Calculate Ford F-250 Insurance Premiums
Lots of things are used when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but other factors are more obscure like your vehicle usage and annual miles driven.
- Proper usage rating affects costs – The higher the miles on your Ford annually the more you will pay for insurance. The majority of insurers calculate prices based on their usage. Autos not used for work or commuting get more affordable rates than cars that get driven a lot. Having the wrong rating on your F-250 is just wasting money. It’s always a good idea to double check that your insurance declarations sheet reflects the correct usage for each vehicle.
- Extra policy coverages can cost a lot – Insurance policies have a lot of extra coverages that can add up if you don’t pay attention. Coverages for vanishing deductibles, better glass coverage, and Farm Bureau memberships could be just wasting money. You may think they are a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
- Five star crash test rating saves money – Vehicles with good safety scores are cheaper to insure. Highly rated vehicles reduce injuries and fewer injuries means less claims paid and lower rates for you. If your Ford F-250 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
- Alarms and GPS tracking lowers insurance rates – Owning a car that has a built-in theft deterrent system can get you a discount on your insurance. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder vehicle theft.
- Get cheaper rates if you’re married – Being married may cut your premiums when buying insurance. It translates into being more mature than a single person and it’s statistically proven that being married results in fewer claims.
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Gender as a rate factor – The statistics show women are more cautious behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Males and females cause fender benders at about the same rate, but the male of the species cause more damage. In addition to higher claims, males also receive more costly citations like DWI (DUI) or reckless driving.
The diagram below visualizes the comparison of Ford F-250 insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, comp and collision included, $500 deductibles, single status, and no discounts are applied.
- Be proud to be claim-free – If you are a frequent claim filer, you shouldn’t be surprised to get either policy cancellation or increased premiums. Car insurance companies in California award most affordable rates to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for the large, substantial claims.
- Qualify for multi-policy discounts – Lots of insurance companies will award better rates to insureds that have more than one policy such as combining an auto and homeowners policy. Discounts can amount to as much as ten percent or more Even with this discount applied, it’s in your best interest to compare other company rates to make sure you are getting the best deal.
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Insurance loss probability for a Ford F-250 – Insurance companies take into consideration insurance loss statistics for every vehicle when setting premium rates. Models that the data shows to have higher claim amounts or frequency will cost more to insure.
The data below shows the historical loss data for Ford F-250 vehicles. For each insurance policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is a value of 100. Numbers that are below 100 imply a favorable loss record, while values over 100 indicate higher probability of having a loss or tendency to have higher losses.
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
Different people need different insurance coverages
Always keep in mind that when comparing coverage online or from an agent for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed.
For example, these questions may help you determine if your situation might need an agent’s assistance.
- Does my Ford F-250 qualify for pleasure use?
- Does liability extend to a camper or trailer?
- Am I covered if I wreck a rental car?
- What is the difference between comprehensive and collision coverage?
- Exactly who is provided coverage by my policy?
- Is my nanny covered when driving my vehicle?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
More comparisons equals affordable rates
When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are too many instances where an insured dropped uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.
Low-cost Ford F-250 insurance in Chula Vista can be purchased online and with local Chula Vista insurance agents, so you need to quote Chula Vista auto insurance with both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent agents.
In this article, we covered some good ideas how you can reduce Ford F-250 insurance rates online in Chula Vista. The most important thing to understand is the more you quote Chula Vista auto insurance, the better your chances of lowering your car insurance rates. Consumers may even find the best rates are with an unexpected company. These companies often have lower car insurance rates on specific markets as compared to the big name companies such as GEICO and State Farm.
More information is available below:
- Coverage Information (Progressive Insurance)
- How Much are Car Insurance Rates for Immigrants in Chula Vista? (FAQ)
- How Much are Chula Vista Auto Insurance Quotes for Drivers with Accidents? (FAQ)
- Who Has Cheap Chula Vista Auto Insurance Quotes for Nurses? (FAQ)
- Who Has Affordable Auto Insurance for Veterans in Chula Vista? (FAQ)
- Who Has Affordable Chula Vista Car Insurance for a Hyundai Elantra? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Distracted Driving Statistics (Insurance Information Institute)
- Understanding your Policy (NAIC.org)
- Choosing an Insurance Company (Insurance Information Institute)