The most effective way to find lower priced Ford F-250 insurance is to compare prices regularly from insurance carriers that sell auto insurance in New Orleans.
Step 1: Try to understand what is in your policy and the measures you can control to prevent rate increases. Many rating criteria that result in higher prices like traffic violations, accidents, and your credit history can be controlled by improving your driving habits or financial responsibility.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while independent agencies can quote prices from multiple insurance companies.
Step 3: Compare the new rates to your current policy and determine if cheaper F-250 coverage is available. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.
Step 4: Give notification to your current company of your decision to cancel the current policy and submit payment along with a signed and completed policy application for the new policy. Once the application is submitted, put the certificate of insurance in an easily accessible location in your vehicle.
A valuable tip to remember is that you use identical coverages on every price quote and and to compare as many companies as you can. Doing this guarantees a fair price comparison and the best price selection.
It’s a fact that insurance companies don’t want you to look for cheaper rates. Drivers who compare rates at least once a year will probably move their business because there is a good probability of finding discount prices. Remarkably, a study showed that consumers who made a habit of comparing rates saved on average $70 a month compared to drivers who don’t make a habit of comparing rates.
If finding discount rates on auto insurance is why you’re here, then having an understanding of how to get price quotes and compare insurance rates can make it easier to shop your coverage around.
If you are already insured or need new coverage, follow these tips to reduce premiums without sacrificing coverage. Locating the most cost-effective car insurance policy in New Orleans is really quite simple as long as you have a good starting point. Vehicle owners just need to understand the most efficient way to compare price quotes using one simple form.
Don’t overlook these Ford F-250 insurance discounts
The price of auto insurance can be rather high, but there are discounts available that you may not even know about. Larger premium reductions will be automatically applied at the time of quoting, but a few must be requested specifically before being credited. If you don’t get every credit you deserve, you could be saving more on your insurance.
- Data Collection Discounts – New Orleans drivers who agree to allow driving data submission to track driving patterns by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
- Sign Early and Save – Some insurance companies give discounts for renewing your policy prior to the expiration date on your current F-250 insurance policy. You may see this discount when you get New Orleans car insurance quotes online.
- New Vehicle Savings – Buying a new car instead of a used F-250 can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Save over 55 – If you qualify as a senior citizen, you may receive lower premium rates.
- Defensive Driving Course – Taking time to complete a defensive driving course could possibly earn you a 5% discount if you qualify.
- Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts could see savings of more than 20%.
- Accident Forgiveness – Not a discount per se, but some companies like Allstate, Progressive, and GEICO may permit one accident before they charge you more for coverage if you have no claims before the accident.
- Drive Less and Save – Fewer annual miles on your Ford could qualify for better insurance rates on cars that stay parked.
- Pay Early and Save – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
- E-sign – A handful of companies provide a small discount for signing up digitally online.
Don’t be surprised that many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like it’s possible to get free car insurance, you’re out of luck. But any discount should help lower your policy premium.
The illustration below illustrates the comparison of Ford F-250 insurance premiums with and without discounts being applied to the rates. The premiums are based on a male driver, no claims or violations, Louisiana state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, marriage, safe-driver, and homeowner discounts applied.
Auto insurance companies who might offer these benefits include:
Before purchasing a policy, check with every company how many discounts you can get. Some discounts may not be offered everywhere. To find providers that provide some of the discounts listed above in Louisiana, follow this link.
The cheapest New Orleans Ford F-250 insurance price quotes online
The companies shown below offer price quotes in Louisiana. In order to find the cheapest auto insurance in New Orleans, it’s highly recommended you get rate quotes from several of them to get the lowest price.
Data for Ford F-250 insurance
The data table shown next outlines estimates of insurance policy prices for Ford F-250 models. Having a better idea how car insurance premiums are calculated can help guide drivers when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $250 | $478 | $552 | $32 | $166 | $1,478 | $123 |
| F-250 XL Cabela Package 2WD | $284 | $564 | $552 | $32 | $166 | $1,598 | $133 |
| F-250 XL Super Cab 2WD | $284 | $564 | $552 | $32 | $166 | $1,598 | $133 |
| F-250 XLT 2WD | $284 | $564 | $552 | $32 | $166 | $1,598 | $133 |
| F-250 XL 4WD | $284 | $478 | $610 | $36 | $182 | $1,590 | $133 |
| F-250 XLT Super Cab 2WD | $284 | $564 | $552 | $32 | $166 | $1,598 | $133 |
| F-250 XL Super Cab Cabela Package 2WD | $284 | $564 | $552 | $32 | $166 | $1,598 | $133 |
| F-250 XL Harley Edition 2WD | $284 | $564 | $552 | $32 | $166 | $1,598 | $133 |
| F-250 XL Crew Cab 2WD | $284 | $564 | $552 | $32 | $166 | $1,598 | $133 |
| F-250 XLT 4WD | $284 | $564 | $610 | $36 | $182 | $1,676 | $140 |
| F-250 XL Cabela Package 4WD | $284 | $564 | $610 | $36 | $182 | $1,676 | $140 |
| F-250 XL Crew Cab 4WD | $284 | $564 | $610 | $36 | $182 | $1,676 | $140 |
| F-250 XL Super Cab 4WD | $284 | $564 | $610 | $36 | $182 | $1,676 | $140 |
| F-250 XL Crew Cab Cabela Package 2WD | $284 | $648 | $552 | $32 | $166 | $1,682 | $140 |
| F-250 XL Super Cab Harley Edition 2WD | $284 | $648 | $552 | $32 | $166 | $1,682 | $140 |
| F-250 XL Turbo Diesel 2WD | $284 | $648 | $552 | $32 | $166 | $1,682 | $140 |
| F-250 King Ranch Crew Cab 2WD | $284 | $648 | $552 | $32 | $166 | $1,682 | $140 |
| F-250 XLT Crew Cab 2WD | $284 | $648 | $552 | $32 | $166 | $1,682 | $140 |
| F-250 XL Super Cab Cabela Package 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 XLT Super Cab 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 XL Harley Edition 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 King Ranch Crew Cab 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 Lariat Crew Cab 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 XL Super Cab Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 XL Crew Cab Harley Edition 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 Lariat Super Cab 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 XLT Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 XL Cabela Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 XLT Turbo Diesel 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 XLT Crew Cab 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 XL Super Cab Turbo Diesel 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 XL Crew Cab Harley Edition 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 XL Cabela Turbo Diesel 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 Lariat Super Cab 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 XL Turbo Diesel 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 XL Super Cab Harley Edition 4WD | $316 | $564 | $610 | $36 | $182 | $1,708 | $142 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 XL Harley Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $316 | $648 | $552 | $32 | $166 | $1,714 | $143 |
| F-250 Lariat Crew Cab 4WD | $316 | $648 | $610 | $36 | $182 | $1,792 | $149 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $316 | $648 | $610 | $36 | $182 | $1,792 | $149 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $316 | $648 | $610 | $36 | $182 | $1,792 | $149 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $316 | $648 | $610 | $36 | $182 | $1,792 | $149 |
| F-250 Cabela Crew Cab 4WD | $316 | $648 | $610 | $36 | $182 | $1,792 | $149 |
| F-250 XL Harley Turbo Diesel 4WD | $316 | $648 | $610 | $36 | $182 | $1,792 | $149 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $316 | $648 | $610 | $36 | $182 | $1,792 | $149 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $316 | $734 | $552 | $32 | $166 | $1,800 | $150 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $348 | $648 | $610 | $36 | $182 | $1,824 | $152 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $348 | $648 | $610 | $36 | $182 | $1,824 | $152 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $348 | $648 | $610 | $36 | $182 | $1,824 | $152 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $348 | $648 | $610 | $36 | $182 | $1,824 | $152 |
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in New Orleans location which can revise premium rates noticeably.
Driving violations and accidents
The illustration below demonstrates how traffic citations and at-fault fender-benders increase Ford F-250 annual premium costs for different age groups. The data assumes a single female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
What Impacts Ford F-250 Insurance Rates?
An important part of buying insurance is that you know some of the factors that play a part in calculating auto insurance rates. When you know what positively or negatively controls the rates you pay, this enables informed choices that can help you get much lower annual insurance costs.
The items below are a partial list of the pieces used by companies to determine your rates.
Liability protection limits are a factor – A critical coverage on your policy, liability insurance will protect you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
Safer vehicles means cheaper rates – Cars with five star safety ratings cost less to insure. Vehicles engineered for safety reduce the chance of injuries and lower rates of occupant injuries means your insurance company pays less which can result in lower premiums.
Raise physical damage deductibles and save – Physical damage deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage protection, also called ‘full coverage’, protects your car from damage. Some examples of claims that would be covered would be rear-ending another vehicle, damage caused by hail, and damage from wind. The higher the amount you have to pay, the lower your rates will be.
Gender matters – Statistics have proven females are less aggressive when driving. However, don’t assume that men are worse drivers. Both sexes get in fender benders at a similar rate, but guys cause more damage and cost insurance companies more money. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI.
The example below illustrates the comparison of Ford F-250 auto insurance rates for male and female drivers. The rates are based on no claims or driving violations, full physical damage coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Insurance losses for a Ford F-250 – Insurance companies factor in insurance loss information as a way to help calculate a profitable premium price. Vehicles that tend to have a higher amount or frequency of claims will cost more for specific coverages.
The next table illustrates the historical loss data for Ford F-250 vehicles. For each type of coverage, the statistical loss for all vehicles, as an average, is considered to be 100. Values that are under 100 indicate a favorable loss history, while percentage values above 100 indicate frequent claims or a tendency for claims to be larger.
| 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: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance agencies can help
A small number of people prefer to go talk to an agent and we recommend doing that Agents are trained to spot inefficiencies and help you file claims. A good thing about comparing rate quotes online is you may find lower rates and still buy from a local agent. Supporting local agents is definitely important in New Orleans.
Once you complete this short form, the quote information is immediately sent to local insurance agents in New Orleans that give free quotes to get your business. It makes it easy because there is no need to leave your house due to the fact that quote results will go immediately to your email address. If for some reason you want to compare rates from a particular provider, you would need to find their quoting web page and fill out the quote form the provide.
If you want to buy insurance from a reliable insurance agency, there are a couple of different agency structures from which to choose. Agencies in New Orleans are classified as either exclusive agents or independent agents. Both can write policy coverage, but it’s worth mentioning how they differ since it can affect the selection process.
Independent Insurance Agents
Agents in the independent channel do not sell for just one brand and that enables them to quote your coverage with a variety of different insurance companies and possibly get better coverage at lower prices. If your premiums go up, your policy is moved internally which makes it simple for you. When comparing rates, we recommend you check rates from at least one independent agent in order to have the best price comparison.
The following is a short list of independent agencies in New Orleans who may provide comparison quotes.
ABC Insurance
4101 S Carrollton Ave c – New Orleans, LA 70119 – (504) 486-0123 – View Map
Lovecchio Insurance
1510 Robert E Lee Blvd – New Orleans, LA 70122 – (504) 284-7778 – View Map
Pat Leboeuf Insurance
601 Seguin St – New Orleans, LA 70114 – (504) 361-4600 – View Map
Exclusive Insurance Agencies
These agents can only provide one company’s prices and some examples include State Farm, AAA, Farmers Insurance or Allstate. They generally cannot provide rate quotes from other companies so it’s a take it or leave it situation. They are well trained on their products and sales techniques which helps them sell insurance even at higher premiums.
Shown below is a list of exclusive insurance agents in New Orleans that can give you comparison quotes.
Derek Morel – State Farm Insurance Agent
5555 Bullard Ave #104 – New Orleans, LA 70128 – (504) 247-9241 – View Map
Carl Mixon – State Farm Insurance Agent
4716 Canal St – New Orleans, LA 70119 – (504) 482-7897 – View Map
Allstate Insurance: Daniel Rahman
701 Dante St c – New Orleans, LA 70118 – (504) 861-2700 – View Map
Deciding on an insurance agency shouldn’t rely on just the bottom line cost. These questions are important to ask:
- How often do they review coverages?
- Do they have cheaper tiers of coverage?
- Is assistance available after office hours?
- Do they specialize in personal lines coverage in New Orleans?
- If you raise deductibles, how much can you save?
- Do they have a Better Business Bureau rating in New Orleans?
- Are there any discounts for paying up front?
Upon getting reasonable responses to your questions as well as an affordable premium quote, you may have found an insurance agent that can be trusted to insure your vehicles. Just remember you can always cancel your policy at any time so don’t assume that you’re stuck with any specific agency with no way to switch.
Protect more than your Ford F-250
Despite the potentially high cost of Ford F-250 insurance, buying auto insurance is required for several reasons.
- Most states have mandatory liability insurance requirements which means the state requires a minimum amount of liability protection in order to license the vehicle. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Ford F-250, it’s most likely the lender will make it a condition of the loan that you buy full coverage to guarantee their interest in the vehicle. If you default on your policy, the lender may insure your Ford at a significantly higher premium and make you pay the higher premium.
- Insurance protects not only your car but also your assets. It will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your car definitely exceed the price paid, especially if you ever need it. According to a 2015 survey, the average American driver is currently overpaying as much as $855 a year so smart consumers compare quotes at every renewal to help ensure money is not being wasted.
One last thing to lower rates
We just showed you a lot of techniques to shop for Ford F-250 insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest prices are with a small mutual company. They may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
Cheaper Ford F-250 insurance in New Orleans is available online and with local New Orleans insurance agents, so you should compare both in order to have the best chance of saving money. A few companies don’t offer the ability to get quotes online and these regional insurance providers only sell coverage through independent insurance agents.
For more information, link through to the articles below:
- Distracted Driving Statistics (Insurance Information Institute)
- How Much is Auto Insurance for Drivers with Good Credit in New Orleans? (FAQ)
- What Car Insurance is Cheapest for First-time Drivers in New Orleans? (FAQ)
- What Insurance is Cheapest for Welfare Recipients in New Orleans? (FAQ)
- What Auto Insurance is Cheapest for Felons in New Orleans? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Credit Impacts Car Insurance Rates (State Farm)