The easiest way to find low-cost Ford F-250 insurance in Scottsdale is to regularly compare prices from providers who provide auto insurance in Arizona.
- Step 1: Try to understand policy coverages and the steps you can take to keep rates low. Many policy risk factors that drive up the price such as multiple speeding tickets and an imperfect credit score can be improved by making lifestyle changes or driving safer.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive and State Farm, while independent agencies can provide price quotes from multiple companies. Click to view companies
- Step 3: Compare the new rate quotes to your current policy premium to determine if you can save on F-250 insurance in Scottsdale. If you can save money and decide to switch, make sure there is no lapse in coverage.
An essential thing to point out is to use the same level of coverage on each price quote and and to analyze all possible companies. This ensures an accurate price comparison and maximum price selection.
Shocking but true, the majority of drivers have purchased from the same company for a minimum of four years, and 38% of customers have never even compared quotes to find cheap rates. Many drivers in Scottsdale can save hundreds of dollars each year, but they don’t believe the actual amount they would save if they bought a different policy.
Lower-cost Ford F-250 insurance rates in Scottsdale
Not too many consumers would say auto insurance is affordable, but you might already qualify for some discounts that can drop the cost substantially. A few discounts will be applied when you complete an application, but less common discounts must be asked for before they will apply. If you do not double check each discount you deserve, you’re just leaving money on the table.
- Telematics Devices – Drivers that enable their insurance company to track where and when they drive by using a telematics device like Allstate’s Drivewise might get better premium rates if their driving habits are good.
- Student Discount for Driver Training – Cut your cost by having your teen driver successfully take a driver’s education course as it will make them better drivers and lower rates.
- Senior Discount – If you’re over the age of 55, you may qualify for a slight reduction on a Scottsdale car insurance quote.
- E-sign – A handful of auto insurance companies provide a small discount for buying your policy on their website.
- Multi-policy Discount – If you combine your homeowners and auto policies with one insurance company you could save nearly 15% which can help you find low cost Ford F-250 insurance.
- Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
- Payment Method – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
- Anti-lock Brake Discount – Vehicles that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.
- Home Ownership Discount – Simply owning a home can help you save on auto insurance because it shows financial diligence.
A little note about advertised discounts, some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, nobody gets a free ride.
The diagram below shows the difference between Ford F-250 annual premium costs with and without discounts applied to the policy premium. The information is based on a male driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, marriage, multi-policy, and homeowner discounts applied.
A few popular companies and some of their more popular discounts are outlined below.
- Progressive policyholders can earn discounts including online signing, online quote discount, good student, homeowner, continuous coverage, multi-vehicle, and multi-policy.
- SAFECO offers premium reductions for bundle discounts, multi-car, drive less, teen safety rewards, accident prevention training, and homeowner.
- American Family offers discounts for defensive driver, early bird, multi-vehicle, accident-free, and Steer into Savings.
- MetLife includes discounts for claim-free, accident-free, defensive driver, multi-policy, and good driver.
- GEICO offers discounts including federal employee, defensive driver, seat belt use, multi-vehicle, good student, emergency military deployment, and anti-lock brakes.
- The Hartford may offer discounts for bundle, defensive driver, air bag, vehicle fuel type, anti-theft, driver training, and good student.
If you need lower rates, check with every company which discounts you may be entitled to. All car insurance discounts may not apply to policies in your state.
Finding Ford F-250 insurance in Scottsdale, Arizona
The companies shown below provide price comparisons in Arizona. To buy the best cheap auto insurance in Scottsdale, it’s highly recommended you visit several of them to get the most competitive price.
Auto insurance analysis for a Ford F-250
The coverage information displayed below showcases estimates of insurance rates for Ford F-250 models. Having a good grasp of how insurance policy premiums are determined can help you make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $214 | $314 | $444 | $26 | $132 | $1,130 | $94 |
| F-250 XL Cabela Package 2WD | $242 | $370 | $444 | $26 | $132 | $1,214 | $101 |
| F-250 XL Super Cab 2WD | $242 | $370 | $444 | $26 | $132 | $1,214 | $101 |
| F-250 XLT 2WD | $242 | $370 | $444 | $26 | $132 | $1,214 | $101 |
| F-250 XL 4WD | $242 | $314 | $490 | $30 | $146 | $1,222 | $102 |
| F-250 XLT Super Cab 2WD | $242 | $370 | $444 | $26 | $132 | $1,214 | $101 |
| F-250 XL Super Cab Cabela Package 2WD | $242 | $370 | $444 | $26 | $132 | $1,214 | $101 |
| F-250 XL Harley Edition 2WD | $242 | $370 | $444 | $26 | $132 | $1,214 | $101 |
| F-250 XL Crew Cab 2WD | $242 | $370 | $444 | $26 | $132 | $1,214 | $101 |
| F-250 XLT 4WD | $242 | $370 | $490 | $30 | $146 | $1,278 | $107 |
| F-250 XL Cabela Package 4WD | $242 | $370 | $490 | $30 | $146 | $1,278 | $107 |
| F-250 XL Crew Cab 4WD | $242 | $370 | $490 | $30 | $146 | $1,278 | $107 |
| F-250 XL Super Cab 4WD | $242 | $370 | $490 | $30 | $146 | $1,278 | $107 |
| F-250 XL Crew Cab Cabela Package 2WD | $242 | $428 | $444 | $26 | $132 | $1,272 | $106 |
| F-250 XL Super Cab Harley Edition 2WD | $242 | $428 | $444 | $26 | $132 | $1,272 | $106 |
| F-250 XL Turbo Diesel 2WD | $242 | $428 | $444 | $26 | $132 | $1,272 | $106 |
| F-250 King Ranch Crew Cab 2WD | $242 | $428 | $444 | $26 | $132 | $1,272 | $106 |
| F-250 XLT Crew Cab 2WD | $242 | $428 | $444 | $26 | $132 | $1,272 | $106 |
| F-250 XL Super Cab Cabela Package 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 XLT Super Cab 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 XL Harley Edition 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 King Ranch Crew Cab 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 Lariat Crew Cab 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 XL Super Cab Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 XL Crew Cab Harley Edition 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 Lariat Super Cab 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 XLT Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 XL Cabela Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 XLT Turbo Diesel 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 XLT Crew Cab 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 XL Super Cab Turbo Diesel 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 XL Crew Cab Harley Edition 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 XL Cabela Turbo Diesel 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 Lariat Super Cab 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 XL Turbo Diesel 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 XL Super Cab Harley Edition 4WD | $270 | $370 | $490 | $30 | $146 | $1,306 | $109 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 XL Harley Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $270 | $428 | $444 | $26 | $132 | $1,300 | $108 |
| F-250 Lariat Crew Cab 4WD | $270 | $428 | $490 | $30 | $146 | $1,364 | $114 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $270 | $428 | $490 | $30 | $146 | $1,364 | $114 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $270 | $428 | $490 | $30 | $146 | $1,364 | $114 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $270 | $428 | $490 | $30 | $146 | $1,364 | $114 |
| F-250 Cabela Crew Cab 4WD | $270 | $428 | $490 | $30 | $146 | $1,364 | $114 |
| F-250 XL Harley Turbo Diesel 4WD | $270 | $428 | $490 | $30 | $146 | $1,364 | $114 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $270 | $428 | $490 | $30 | $146 | $1,364 | $114 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $270 | $484 | $444 | $26 | $132 | $1,356 | $113 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $298 | $428 | $490 | $30 | $146 | $1,392 | $116 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $298 | $428 | $490 | $30 | $146 | $1,392 | $116 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $298 | $428 | $490 | $30 | $146 | $1,392 | $116 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $298 | $428 | $490 | $30 | $146 | $1,392 | $116 |
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific zip code location which can increase or decrease auto insurance rates significantly.
Insurance premiums for males and females
The chart below shows the difference between Ford F-250 car insurance costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are applied.
Full coverage or liability only
The chart below visualizes the comparison of Ford F-250 car insurance rates when comparing full coverage to liability only. The premiums are based on no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are taken into consideration.
When to eliminate full coverage
There isn’t a steadfast formula to delete full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Ford F-250 claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $8,000 after you pay the deductible. If you are paying more than $800 annually for full coverage, then it might be time to consider dropping full coverage.
There are a few situations where eliminating full coverage is not a good idea. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.
Get rate quotes but buy from a local Scottsdale insurance agent
Some people just prefer to get advice from a local agent and that is OK! Most agents can point out coverage gaps and give you someone to call. One of the benefits of comparing insurance prices online is that you can find the lowest rates but still work with a licensed agent. And buying from local insurance agents is definitely important in Scottsdale.
After filling out this quick form, your insurance data is transmitted to local insurance agents who will gladly provide quotes for your car insurance coverage. There is no need to contact an agency as quotes are delivered to the email address you provide. If for some reason you want to compare rates from one company in particular, don’t hesitate to jump over to their website and give them your coverage information.
The following are Scottsdale car insurance companies that can give you rate quotes for Ford F-250 insurance in Scottsdale.
Brad Dunlap – State Farm® Insurance Agent
8436 E Shea Blvd c103 – Scottsdale, AZ 85260 – (480) 661-0801 – View Map
Robert Smith – State Farm Insurance Agent
7505 E 6th Ave Ste 204 – Scottsdale, AZ 85251 – (480) 588-6456 – View Map
Roz Bankston – State Farm Insurance Agent
6900 E Camelback Rd #820 – Scottsdale, AZ 85251 – (480) 897-6500 – View Map
Steve Fair – State Farm Insurance Agent
33717 N Scottsdale Rd #101 – Scottsdale, AZ 85266 – (480) 563-2710 – View Map
Finding the right insurer should depend on more than just the bottom line cost. Any agent in Scottsdale should have no problem answering these questions:
- Is the agent CPCU or CIC certified?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How much training do they have in personal risk management?
- If they are an independent agency in Scottsdale, which companies do they recommend?
- Which companies can they place coverage with?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
A little work can save a LOT of money
We just showed you some good ideas how you can save on Ford F-250 insurance in Scottsdale. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. Consumers may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising. These companies may have significantly lower prices on certain market segments than their larger competitors like State Farm and Allstate.
As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where an accident victim reduced full coverage and learned later they didn’t purchase enough coverage. The aim is to buy enough coverage for the lowest price, but do not skimp to save money.
Helpful resources
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- How Much are Auto Insurance Quotes for Retired Military in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance Rates for Teachers in Scottsdale? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Older Driver Statistics (Insurance Information Institute)
- Neck Injury FAQ (iihs.org)
- Insuring a Leased Car (Insurance Information Institute)