Having to pay for overpriced insurance in Santa Ana can eat up your savings and require stricter spending habits. Comparing price quotes can save money and help to cut your insurance bill.
It's astonishing, but the vast majority of consumers kept their coverage with the same insurance company for a minimum of four years, and 38% of drivers have never compared rate quotes at all. California insurance shoppers can cut their rates by almost 35% a year just by getting comparison quotes, but they mistakenly think it's difficult to shop around.
Big companies like Allstate and Progressive continually bombard you with catchy ads and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.
How to buy Santa Ana Ford F-250 insurance online
When quoting car insurance, remember that comparing a wide range of rates helps you find lower pricing. Not every company does Santa Ana F-250 insurance quotes over the internet, so it's important to compare quotes from them as well.
The companies shown below are our best choices to provide comparison quotes in Santa Ana, CA. If the list has multiple companies, it's a good idea that you visit as many as you can to find the cheapest car insurance rates.
Ford F-250 insurance coverage information
The rate table shown below highlights estimates of insurance coverage prices for Ford F-250 models. Having a good grasp of how insurance policy rates are formulated is important for you to make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $238 | $478 | $564 | $34 | $168 | $1,482 | $124 |
| F-250 XL Cabela Package 2WD | $270 | $564 | $564 | $34 | $168 | $1,600 | $133 |
| F-250 XL Super Cab 2WD | $270 | $564 | $564 | $34 | $168 | $1,600 | $133 |
| F-250 XLT 2WD | $270 | $564 | $564 | $34 | $168 | $1,600 | $133 |
| F-250 XL 4WD | $270 | $478 | $624 | $36 | $186 | $1,594 | $133 |
| F-250 XLT Super Cab 2WD | $270 | $564 | $564 | $34 | $168 | $1,600 | $133 |
| F-250 XL Super Cab Cabela Package 2WD | $270 | $564 | $564 | $34 | $168 | $1,600 | $133 |
| F-250 XL Harley Edition 2WD | $270 | $564 | $564 | $34 | $168 | $1,600 | $133 |
| F-250 XL Crew Cab 2WD | $270 | $564 | $564 | $34 | $168 | $1,600 | $133 |
| F-250 XLT 4WD | $270 | $564 | $624 | $36 | $186 | $1,680 | $140 |
| F-250 XL Cabela Package 4WD | $270 | $564 | $624 | $36 | $186 | $1,680 | $140 |
| F-250 XL Crew Cab 4WD | $270 | $564 | $624 | $36 | $186 | $1,680 | $140 |
| F-250 XL Super Cab 4WD | $270 | $564 | $624 | $36 | $186 | $1,680 | $140 |
| F-250 XL Crew Cab Cabela Package 2WD | $270 | $648 | $564 | $34 | $168 | $1,684 | $140 |
| F-250 XL Super Cab Harley Edition 2WD | $270 | $648 | $564 | $34 | $168 | $1,684 | $140 |
| F-250 XL Turbo Diesel 2WD | $270 | $648 | $564 | $34 | $168 | $1,684 | $140 |
| F-250 King Ranch Crew Cab 2WD | $270 | $648 | $564 | $34 | $168 | $1,684 | $140 |
| F-250 XLT Crew Cab 2WD | $270 | $648 | $564 | $34 | $168 | $1,684 | $140 |
| F-250 XL Super Cab Cabela Package 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 XLT Super Cab 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 XL Harley Edition 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 King Ranch Crew Cab 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 Lariat Crew Cab 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 XL Super Cab Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 XL Crew Cab Harley Edition 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 Lariat Super Cab 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 XLT Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 XL Cabela Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 XLT Turbo Diesel 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 XLT Crew Cab 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 XL Super Cab Turbo Diesel 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 XL Crew Cab Harley Edition 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 XL Cabela Turbo Diesel 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 Lariat Super Cab 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 XL Turbo Diesel 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 XL Super Cab Harley Edition 4WD | $300 | $564 | $624 | $36 | $186 | $1,710 | $143 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 XL Harley Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $300 | $648 | $564 | $34 | $168 | $1,714 | $143 |
| F-250 Lariat Crew Cab 4WD | $300 | $648 | $624 | $36 | $186 | $1,794 | $150 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $300 | $648 | $624 | $36 | $186 | $1,794 | $150 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $300 | $648 | $624 | $36 | $186 | $1,794 | $150 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $300 | $648 | $624 | $36 | $186 | $1,794 | $150 |
| F-250 Cabela Crew Cab 4WD | $300 | $648 | $624 | $36 | $186 | $1,794 | $150 |
| F-250 XL Harley Turbo Diesel 4WD | $300 | $648 | $624 | $36 | $186 | $1,794 | $150 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $300 | $648 | $624 | $36 | $186 | $1,794 | $150 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $300 | $734 | $564 | $34 | $168 | $1,800 | $150 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $330 | $648 | $624 | $36 | $186 | $1,824 | $152 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $330 | $648 | $624 | $36 | $186 | $1,824 | $152 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $330 | $648 | $624 | $36 | $186 | $1,824 | $152 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $330 | $648 | $624 | $36 | $186 | $1,824 | $152 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in zip code location which can increase or decrease premiums greatly.
Cost of full coverage in Santa Ana
The diagram below visualizes the comparison of Ford F-250 insurance premiums with full physical damage coverage compared to only buying liability only. The information is based on no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are applied.
When to eliminate full coverage
There is no clear-cut formula for phasing out full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more 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 replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after the policy deductible has been paid. If you are paying in excess of $400 annually for your policy with full coverage, then it could be time to drop full coverage.
There are some scenarios where only buying liability is not recommended. If you still owe money on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Components of Your Ford F-250 Insurance Premiums
Many things are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving history, but some are not quite as obvious like your vehicle usage or your financial responsibility.
Your address can affect prices - Living in areas with lower population has it's advantages when trying to find low car insurance rates. Fewer drivers translates into fewer accident claims in addition to fewer liability claims. Residents of big cities regularly have traffic congestion and longer commute times. Spending more time driving statistically corresponds to a higher accident and claim rate.
Type of car determines base prices - The type of car you are buying insurance for makes a substantial difference in your rates. The most favorable rates will generally be found on smaller low performance passenger cars, but there are many factors that impact the final cost.
The following chart is based on a married male driver age 50, full coverage with $250 deductibles, and no discounts or violations. The data compares Ford F-250 insurance premiums compared to other vehicles that have different performance risks.
Always have insurance - Having a gap between insurance policy dates is a fast way to bump up your insurance costs. And not only will insurance be more expensive, getting caught without coverage might get you a fine, jail time, or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with the California department of motor vehicles.
Cautious drivers pay better costs - Careful drivers get better rates as compared to those with violations. Even one citation can increase rates substantially. Drivers who have careless tickets like DUI or reckless driving may find that they have to to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
The diagram below shows how traffic citations and at-fault collisions can drive up Ford F-250 insurance rates for different insured age categories. The price estimates are based on a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
Ford F-250 claim data - Car insurance companies analyze historical claim data to help calculate premium prices. Models that statistically have higher frequency or amount of claims will have higher rates. The table below demonstrates the insurance loss data used by companies for Ford F-250 vehicles.
For each type of coverage, the claim probability for all vehicles, as a total average, is set at 100. Values that are under 100 suggest losses that are better than average, while percentage values above 100 show a trend for more claims or statistically larger claims.
| 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Auto insurance protects more than just your car
Despite the potentially high cost of Ford F-250 insurance, maintaining insurance may be required and benefits you in several ways.
- Almost all states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance in order to drive the car legally. 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.
- If you have a loan on your Ford F-250, most lenders will require that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender will be forced to insure your Ford at an extremely high rate and make you pay for the expensive policy.
- Insurance safeguards both your Ford and your personal assets. It will also reimburse you for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If your Ford gets damaged, your auto insurance policy will pay to repair the damage minus the deductible amount.
The benefits of insuring your F-250 definitely exceed the price paid, especially for larger claims. But the average driver in California is wasting up to $810 a year so it's important to compare rates every year to ensure rates are inline.