If you want to save money, the best way to get affordable Ford F-250 insurance in Charlotte is to start doing an annual price comparison from providers in North Carolina.
First, it will benefit you to learn about policy coverages and the measures you can take to drop your rates. Many factors that cause rate increases like careless driving and a bad credit score can be amended by making small lifestyle or driving habit changes. Later in this article we will cover additional ideas to help reduce prices and find discounts that may have been missed.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like GEICO or Allstate, while independent agencies can quote rates from multiple sources.
Third, compare the quotes to the premium of your current policy to see if a cheaper rate is available. If you can save money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide notification to your current company of your decision to cancel your current auto insurance policy and submit the application along with any required down payment for the new coverage. Once the paperwork is finalized, place the new proof of insurance paperwork above your visor, in the console, or in the glove compartment.
The key aspect of shopping around is to make sure you’re comparing identical deductibles and limits on each price quote and and to compare as many different insurance providers as possible. This ensures a fair price comparison and a complete rate analysis.
A recent insurance study discovered that the vast majority of consumers have bought insurance from the same company for more than four years, and nearly the majority have never compared rates with other companies. Drivers in Charlotte could save as much as $90 a year just by shopping around, but they just don’t understand how much money they would save if they changed companies.
The best way to get rate comparisons for Ford F-250 insurance in Charlotte takes advantage of the fact most insurance companies allow for online access to give you rate quotes. All consumers are required to do is provide a little information including the ages of drivers, whether you have decent credit, types of safety features, and if you lease or own. Your rating data gets sent immediately to multiple top-rated companies and you receive quotes immediately.
To start a quote now, click here and find out if lower rates are available in Charlotte.
The following companies offer free rate quotes in Charlotte, NC. If you want to find cheap auto insurance in North Carolina, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.
Insurance coverage details
The premium information displayed next outlines different coverage costs for Ford F-250 models. Having insight into how premiums are established can assist in making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $176 | $298 | $290 | $18 | $86 | $868 | $72 |
| F-250 XL Cabela Package 2WD | $198 | $352 | $290 | $18 | $86 | $944 | $79 |
| F-250 XL Super Cab 2WD | $198 | $352 | $290 | $18 | $86 | $944 | $79 |
| F-250 XLT 2WD | $198 | $352 | $290 | $18 | $86 | $944 | $79 |
| F-250 XL 4WD | $198 | $298 | $320 | $18 | $96 | $930 | $78 |
| F-250 XLT Super Cab 2WD | $198 | $352 | $290 | $18 | $86 | $944 | $79 |
| F-250 XL Super Cab Cabela Package 2WD | $198 | $352 | $290 | $18 | $86 | $944 | $79 |
| F-250 XL Harley Edition 2WD | $198 | $352 | $290 | $18 | $86 | $944 | $79 |
| F-250 XL Crew Cab 2WD | $198 | $352 | $290 | $18 | $86 | $944 | $79 |
| F-250 XLT 4WD | $198 | $352 | $320 | $18 | $96 | $984 | $82 |
| F-250 XL Cabela Package 4WD | $198 | $352 | $320 | $18 | $96 | $984 | $82 |
| F-250 XL Crew Cab 4WD | $198 | $352 | $320 | $18 | $96 | $984 | $82 |
| F-250 XL Super Cab 4WD | $198 | $352 | $320 | $18 | $96 | $984 | $82 |
| F-250 XL Crew Cab Cabela Package 2WD | $198 | $404 | $290 | $18 | $86 | $996 | $83 |
| F-250 XL Super Cab Harley Edition 2WD | $198 | $404 | $290 | $18 | $86 | $996 | $83 |
| F-250 XL Turbo Diesel 2WD | $198 | $404 | $290 | $18 | $86 | $996 | $83 |
| F-250 King Ranch Crew Cab 2WD | $198 | $404 | $290 | $18 | $86 | $996 | $83 |
| F-250 XLT Crew Cab 2WD | $198 | $404 | $290 | $18 | $86 | $996 | $83 |
| F-250 XL Super Cab Cabela Package 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 XLT Super Cab 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 XL Harley Edition 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 King Ranch Crew Cab 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 Lariat Crew Cab 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 XL Super Cab Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 XL Crew Cab Harley Edition 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 Lariat Super Cab 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 XLT Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 XL Cabela Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 XLT Turbo Diesel 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 XLT Crew Cab 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 XL Super Cab Turbo Diesel 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 XL Crew Cab Harley Edition 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 XL Cabela Turbo Diesel 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 Lariat Super Cab 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 XL Turbo Diesel 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 XL Super Cab Harley Edition 4WD | $220 | $352 | $320 | $18 | $96 | $1,006 | $84 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 XL Harley Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $220 | $404 | $290 | $18 | $86 | $1,018 | $85 |
| F-250 Lariat Crew Cab 4WD | $220 | $404 | $320 | $18 | $96 | $1,058 | $88 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $220 | $404 | $320 | $18 | $96 | $1,058 | $88 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $220 | $404 | $320 | $18 | $96 | $1,058 | $88 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $220 | $404 | $320 | $18 | $96 | $1,058 | $88 |
| F-250 Cabela Crew Cab 4WD | $220 | $404 | $320 | $18 | $96 | $1,058 | $88 |
| F-250 XL Harley Turbo Diesel 4WD | $220 | $404 | $320 | $18 | $96 | $1,058 | $88 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $220 | $404 | $320 | $18 | $96 | $1,058 | $88 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $220 | $458 | $290 | $18 | $86 | $1,072 | $89 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $242 | $404 | $320 | $18 | $96 | $1,080 | $90 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $242 | $404 | $320 | $18 | $96 | $1,080 | $90 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $242 | $404 | $320 | $18 | $96 | $1,080 | $90 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $242 | $404 | $320 | $18 | $96 | $1,080 | $90 |
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in zip code location which can impact auto insurance rates substantially.
Men versus women drivers and insurance cost
The chart below visualizes the comparison of Ford F-250 insurance costs for male and female drivers. The rate quotes are based on no violations or claims, full coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Difference between full coverage and liability only rates
The diagram below shows the difference between Ford F-250 car insurance rates with full physical damage coverage compared to only buying liability only. The data assumes no violations or accidents, $1,000 deductibles, single marital status, and no discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no definitive rule of when to exclude physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Ford F-250 settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after the deductible is paid. If it’s costing you more than $600 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are a few cases where buying only liability insurance is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.
Choosing F-250 insurance is an important decision
Even though it’s not necessarily cheap to insure a Ford in Charlotte, car insurance may be required and benefits you in several ways.
- The majority of states have minimum liability requirements which means the state requires specific minimum amounts of liability insurance coverage in order to be legal. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Ford F-250 has a loan, almost all lenders will stipulate that you have comprehensive coverage to guarantee loan repayment. If you do not keep the policy in force, the lender will be forced to insure your Ford for a lot more money and force you to pay much more than you were paying before.
- Car insurance protects both your vehicle and your personal assets. Insurance will also pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of buying car insurance definitely exceed the cost, particularly for liability claims. The average driver in North Carolina overpays more than $855 a year so we recommend shopping around every year to ensure rates are competitive.
Smart Consumers Save More
An important part of buying insurance is that you know some of the factors that help calculate the rates you pay for auto insurance. When consumers understand what influences your rates, this empowers consumers to make smart changes that could result in big savings. Many different elements are part of the equation when pricing auto insurance. Some are obvious such as your driving record, but other criteria are less apparent such as whether you are married or your vehicle rating.
Shown below are a few of the things companies use to determine your rate level.
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Fast cars cost more to insure – The performance level of the car or truck you own makes a significant difference in how high your rates are. Economy passenger models usually are quite affordable to insure, but that’s not the only thing that factors into the final price.
The following chart is based on a single female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It shows Ford F-250 insurance premiums compared to other models that have different performance risks.
- Qualify for multi-policy discounts – Most larger companies give better rates to insureds that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount, it’s always a smart idea to compare Ford F-250 rates in Charlotte to make sure you are getting the best deal.
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Driving citations hurt – Attentive drivers have lower premiums than their less careful counterparts. Having a single driving citation can increase rates by as much as thirty percent. Drivers who get severe citations like reckless driving or DUI may need to maintain a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
The information below illustrates how speeding tickets and at-fault accidents can affect Ford F-250 yearly insurance costs for different categories of driver ages. The price estimates are based on a married female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
- Extra policy coverages that may not be needed – Insurance policies have a lot of extra bells and whistles that you can get tricked into buying on your F-250 policy. Coverage for things like personal injury protection, death and dismemberment, and extra equipment coverage may not be needed and are just wasting money. They may sound like good ideas when discussing your needs, but your money might be better spent on other coverage so think about removing them and cutting costs.
- No auto insurance gaps is important – Letting your insurance expire can be a quick way to increase your auto insurance rates. In addition to paying higher premiums, not being able to provide proof of insurance might get you fines and jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with the North Carolina motor vehicle department to get your license reinstated.
- High policy claims frequency drives up auto insurance rates – Auto insurance companies in North Carolina award cheaper rates to drivers that do not abuse their auto insurance. If you file a lot of claims you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for claims that pose a financial burden.
- GPS tracking and theft deterrents reduce auto insurance rates – Selecting a car model with an alarm system can help bring down rates. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms help track and prevent your vehicle from being stolen.
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Ford F-250 claim probability – Insurance companies use past loss statistics for each vehicle to help calculate premium costs. Models that statistically have higher losses will be charged more to insure. The next table shows the historical insurance loss data for Ford F-250 vehicles.
For each coverage category, the claim amount for all vehicles, regardless of make, model or trim level, is set at 100. Values that are below 100 are indicative of better than average losses, while values that are 100 or greater indicate more frequent losses or tendency to have higher losses.
Auto Insurance Loss Data for Ford F-250 Models Specific Ford 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
Cheaper insurance rates are out there
We just covered many ways to reduce Ford F-250 insurance rates online in Charlotte. The key concept to understand is the more times you quote, the better your comparison will be. You may even find the lowest priced insurance comes from a small mutual company. Smaller companies often have lower car insurance rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.
As you quote Charlotte auto insurance, it’s a bad idea to skimp on coverage in order to save money. In too many instances, an insured cut comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at the best possible price and still be able to protect your assets.
More detailed insurance information can be read in the articles below:
- Frontal Crash Tests (iihs.org)
- Who Has Affordable Auto Insurance Quotes for Lyft Drivers in Charlotte? (FAQ)
- Who Has Affordable Charlotte Auto Insurance Rates for Active Military? (FAQ)
- Who Has Cheap Auto Insurance Rates for Good Students in Charlotte? (FAQ)
- Who Has Cheap Auto Insurance for Drivers Under 21 in Charlotte? (FAQ)
- Who Has Cheap Auto Insurance for Immigrants in Charlotte? (FAQ)
- Who Has Affordable Auto Insurance for 18 Year Olds in Charlotte? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)