Car Insurance Quotes for a Ford F-250 in Long Beach

If you want to save money, the best way to find the cheapest price for Ford F-250 insurance is to regularly compare price quotes from different companies that sell auto insurance in Long Beach. Rate comparisons can be done by following these steps.

1. Try to learn a little about the different coverages in a policy and the steps you can take to prevent rate increases. Many factors that drive up the price like speeding and poor credit history can be amended by improving your driving habits or financial responsibility.
2. Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive and State Farm, while independent agencies can provide price quotes from multiple sources.
3. Compare the new rates to your existing policy and determine if there is any savings. If you find a lower rate quote and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Tell your current agent or company of your intent to cancel your current auto insurance policy. Submit a completed application and payment to your new company or agent. Once coverage is bound, put the new proof of insurance certificate with the vehicle registration.

A key point to remember is to make sure you’re comparing the same deductibles and limits on every quote and and to get rates from as many car insurance companies as possible. This provides a fair rate comparison and a thorough selection of prices.

Amazingly, a recent NerdWallet.com study showed that nearly 70% of California drivers have remained with the same insurance company for at least the last four years, and approximately 38% of consumers have never compared rate quotes at all. Drivers in the U.S. can save hundreds of dollars each year just by getting comparison quotes, but they just feel it’s too hard to compare rates and save money.

What Impacts Ford F-250 Insurance Costs?

The best way to find cheaper insurance is to take a look at the factors that come into play when calculating your insurance rates. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that can help you get better insurance rates. Multiple criteria are used when you get your auto insurance bill. Some are pretty understandable like an MVR report, but some are less apparent such as whether you are married or how safe your car is.

The factors shown below are some of the things insurance companies consider when setting rates.

• Higher coverage deductibles lower premiums – Comp and collision deductibles represent how much money you are required to pay before a claim is paid by your company. Physical damage insurance, aka comp and collision, is used to repair damage to your car. Examples of covered claims are colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The more you’re willing to pay, the lower your rates will be.
• Annual mileage impacts costs – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Almost all companies charge rates based on how the vehicle is used. Autos that are left in the garage receive lower rates than those that get driven frequently. Make sure your policy properly reflects the correct driver usage, because improper ratings can cost you money. Having an incorrect usage rating on your F-250 may be costing you higher rates.
• Do you really need to file those insurance claims? – Insurance companies in California generally give cheaper rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
• Never let your insurance policy expire – Driving any period of time without insurance is illegal and insurance companies will penalize you for letting your insurance coverage expire. And not only will insurance be more expensive, being ticketed for driving with no insurance may earn you a fine, jail time, or a revoked license. You may then have to prove you have insurance by filing a SR-22 with the California department of motor vehicles.

• Insurance losses for a Ford F-250 – Insurers factor in insurance loss information when they file their rates in each state. Models that are shown to have a higher amount or frequency of claims will have a higher premium rate.

  The table below illustrates the collected loss data for Ford F-250 vehicles. For each type of coverage, the loss probability for all vehicles averaged together is equal to 100. Numbers shown that are under 100 are indicative of better than average losses, while numbers above 100 show a trend for more claims or larger claims.

  
  

  Ford F-250 Insurance Loss Statistics

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

Car insurance statistics and figures

The table displayed below outlines different insurance prices for Ford F-250 models. Having a better understanding of how auto insurance premiums are determined can benefit drivers when making informed decisions when comparing rates.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price information does not factor in specific location which can raise or lower coverage prices substantially.

The chart below highlights how deductible selection and can raise or lower Ford F-250 insurance prices for each age group. The prices are based on a single female driver, comprehensive and collision coverage, 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 premium costs with full coverage and liability only. The price estimates are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no other discounts are factored in.

Should you pay for full coverage or liability only?

There is no exact formula for phasing out full coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s say your Ford F-250 claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after paying the physical damage deductible. If premium cost is more than $200 annually for full coverage, then it might be time to consider dropping full coverage.

There are some situations where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Car insurance discounts help lower rates for Ford F-250 insurance in Long Beach

Companies offering auto insurance don’t necessarily list all discounts in a way that’s easy to find, so below is a list some of the more common as well as some of the hidden discounts you could be receiving when you buy Long Beach car insurance online. If you check and find you aren’t receiving every discount you deserve, you’re just leaving money on the table.

• Discounts for Federal Employees – Simply working for the federal government may reduce rates when you quote Long Beach car insurance depending on your company.
• Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you may have a lower total premium amount.
• Discount for Passive Restraints – Options like air bags or automatic seat belts can qualify for discounts as much as 30%.
• Discount for Life Insurance – Insurance carriers who offer life insurance give a small discount if you purchase life insurance.
• Driver’s Ed – Have your child enroll and complete driver’s education in high school.
• Fewer Miles Equal More Savings – Low mileage vehicles could earn discounted premium rates on garaged vehicles.
• Early Renewal Discounts – Some companies provide a discount for switching policies before your current coverage expires. This can save 10% or more.
• Active Service Discounts – Having an actively deployed family member may lower your premium rates slightly.
• New Car Discount – Buying a new car instead of a used F-250 is cheaper due to better safety requirements for newer vehicles.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will definitely reduce the cost of coverage.

The diagram below shows the difference between Ford F-250 insurance prices with and without policy discounts. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, California 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 multi-car, homeowner, claim-free, safe-driver, multi-policy, and marriage discounts applied.

To see insurers that can offer you the previously mentioned discounts in Long Beach, click here.

Best auto insurance in Long Beach

Selecting the highest-rated insurer can be difficult considering how many companies sell coverage in Long Beach. The rank data below could help you analyze which car insurance companies to look at comparing price quotes from.

Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

Top 10 Long Beach Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Cheap coverage is out there

In this article, we presented a lot of tips how to save on Ford F-250 insurance in Long Beach. The key concept to understand is the more times you quote, the higher your chance of finding low cost Long Beach car insurance quotes. Consumers may even find the best premium rates are with the least-expected company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.

Cheaper car insurance in Long Beach can be sourced from both online companies as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not provide online rate quotes and these regional carriers only sell coverage through independent insurance agencies.

Additional detailed information can be read by following these links:

• Auto Insurance Learning Center (State Farm)
• How Much are Car Insurance Quotes for Drivers with a DUI in Long Beach? (FAQ)
• Who Has Affordable Long Beach Car Insurance for Ride Shares? (FAQ)
• Teen Driving and Texting (State Farm)
• Think You’re a Safe Driver? (State Farm)
• Booster Seat Ratings (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Institute)