Find Affordable Ford F-250 Insurance in Colorado Springs

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Insurance rates Ford F-250 in Colorado SpringsIt takes a little time, but the best way to get affordable Ford F-250 insurance is to make a habit of regularly comparing prices from providers in Colorado Springs.

  1. Spend some time learning about car insurance and the measures you can control to lower rates. Many factors that cause rate increases like accidents, traffic violations, and an imperfect credit history can be eliminated by making minor changes in your lifestyle.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agencies can provide prices for a wide range of insurance providers. Start a quote
  3. Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find better rates and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

A key point to remember is that you use identical coverage information on every quote request and and to get rate quotes from every insurance company. This enables the most accurate price comparison and many rates to choose from.

It's an obvious statement that auto insurance companies don't want you to look at other companies. People who shop around once a year are highly likely to move their business because they have a good chance of finding a lower-cost company. Remarkably, a study showed that people who compared rates regularly saved an average of $3,500 over four years compared to policyholders who never compared other company's rates.

If saving money on Ford F-250 insurance in Colorado Springs is your objective, learning how to choose a company and compare coverages can help you succeed in finding affordable rates.

The easiest way to compare insurance rates in your area is to know the fact auto insurance companies actually pay money for the chance to give you rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information like if you have an active license, if you require a SR-22, distance driven, and types of safety features. That rating information is then submitted to insurance companies and they return quotes quickly.

To check Ford F-250 insurance prices now, click here and enter your coverage details.

The companies in the list below offer free rate quotes in Colorado. In order to find cheap car insurance in Colorado Springs, it's highly recommended you visit two to three different companies to get the lowest price.

Ford F-250 insurance statistics and information

The table shown below outlines different prices for Ford F-250 models. Understanding more about how insurance prices are figured can benefit drivers when making decisions on the best policy to buy.

Ford F-250 Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-250 XL 2WD $130 $244 $382 $22 $114 $892 $74
F-250 XL Cabela Package 2WD $148 $288 $382 $22 $114 $954 $80
F-250 XL Super Cab 2WD $148 $288 $382 $22 $114 $954 $80
F-250 XLT 2WD $148 $288 $382 $22 $114 $954 $80
F-250 XL 4WD $148 $244 $422 $24 $126 $964 $80
F-250 XLT Super Cab 2WD $148 $288 $382 $22 $114 $954 $80
F-250 XL Super Cab Cabela Package 2WD $148 $288 $382 $22 $114 $954 $80
F-250 XL Harley Edition 2WD $148 $288 $382 $22 $114 $954 $80
F-250 XL Crew Cab 2WD $148 $288 $382 $22 $114 $954 $80
F-250 XLT 4WD $148 $288 $422 $24 $126 $1,008 $84
F-250 XL Cabela Package 4WD $148 $288 $422 $24 $126 $1,008 $84
F-250 XL Crew Cab 4WD $148 $288 $422 $24 $126 $1,008 $84
F-250 XL Super Cab 4WD $148 $288 $422 $24 $126 $1,008 $84
F-250 XL Crew Cab Cabela Package 2WD $148 $332 $382 $22 $114 $998 $83
F-250 XL Super Cab Harley Edition 2WD $148 $332 $382 $22 $114 $998 $83
F-250 XL Turbo Diesel 2WD $148 $332 $382 $22 $114 $998 $83
F-250 King Ranch Crew Cab 2WD $148 $332 $382 $22 $114 $998 $83
F-250 XLT Crew Cab 2WD $148 $332 $382 $22 $114 $998 $83
F-250 XL Super Cab Cabela Package 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 XLT Super Cab 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 XL Harley Edition 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 King Ranch Crew Cab 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 Lariat Crew Cab 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 XL Super Cab Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 XL Crew Cab Harley Edition 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 XL Crew Cab Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 Lariat Super Cab 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 XL Super Cab Cabela Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 XLT Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 XL Cabela Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 XLT Turbo Diesel 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 XLT Crew Cab 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 XL Super Cab Turbo Diesel 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 XL Crew Cab Harley Edition 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 XL Cabela Turbo Diesel 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 XL Crew Cab Turbo Diesel 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 Lariat Super Cab 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 XL Turbo Diesel 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 XL Super Cab Harley Edition 4WD $164 $288 $422 $24 $126 $1,024 $85
F-250 XLT Super Cab Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 XL Harley Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 King Ranch Crew Cab Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 XL Super Cab Harley Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 XLT Crew Cab Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 XL Crew Cab Harley Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 XL Crew Cab Cabela Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 Lariat Super Cab Turbo Diesel 2WD $164 $332 $382 $22 $114 $1,014 $85
F-250 Lariat Crew Cab 4WD $164 $332 $422 $24 $126 $1,068 $89
F-250 King Ranch Crew Cab Turbo Diesel 4WD $164 $332 $422 $24 $126 $1,068 $89
F-250 XL Super Cab Cabela Turbo Diesel 4WD $164 $332 $422 $24 $126 $1,068 $89
F-250 XLT Super Cab Turbo Diesel 4WD $164 $332 $422 $24 $126 $1,068 $89
F-250 Cabela Crew Cab 4WD $164 $332 $422 $24 $126 $1,068 $89
F-250 XL Harley Turbo Diesel 4WD $164 $332 $422 $24 $126 $1,068 $89
F-250 XLT Crew Cab Turbo Diesel 4WD $164 $332 $422 $24 $126 $1,068 $89
F-250 Lariat Crew Cab Turbo Diesel 2WD $164 $376 $382 $22 $114 $1,058 $88
F-250 Lariat Crew Cab Turbo Diesel 4WD $182 $332 $422 $24 $126 $1,086 $91
F-250 XL Super Cab Harley Turbo Diesel 4WD $182 $332 $422 $24 $126 $1,086 $91
F-250 Lariat Super Cab Turbo Diesel 4WD $182 $332 $422 $24 $126 $1,086 $91
F-250 XL Crew Cab Harley Turbo Diesel 4WD $182 $332 $422 $24 $126 $1,086 $91
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in specific location information which can increase or decrease insurance rates significantly.

The illustration below illustrates how your deductible choice and can influence Ford F-250 insurance costs for each age group. The premiums are based on a single male driver, full coverage, and no discounts are factored in.

Illustration showing the impact of accidents and violations

The information below illustrates how traffic citations and at-fault collisions can drive up Ford F-250 premium costs for different insured age categories. The premium estimates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Auto insurance is not optional but you don't have to overpay

Even though it can be expensive, insuring your vehicle is required in Colorado but it also protects you in many ways.

  • The majority of states have compulsory liability insurance requirements which means the state requires a minimum amount of liability protection in order to drive the car legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
  • If your F-250 has a lienholder, most lenders will have a requirement that you buy insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank or lender will purchase a policy for your Ford at a more expensive rate and require you to pay the higher price.
  • Insurance safeguards both your Ford and your personal assets. It also can pay for medical bills for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your Ford gets damaged, your auto insurance policy will pay to have it repaired.

The benefits of carrying enough insurance definitely exceed the price paid, particularly when you have a large claim. Despite what companies tell you, the average driver overpays more than $865 each year so we recommend shopping around every year to ensure rates are inline.

Ford F-250 Insurance Prices Can Be More Affordable

Part of the auto insurance buying process is learning some of the things that aid in calculating your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that could help you find big savings.

The following are a partial list of the pieces auto insurance companies consider when setting prices.

If you don't need it don't buy it - Insurance policies have a lot of extra add-on coverages you can purchase when buying auto insurance. Coverages like personal injury protection, death and dismemberment, and membership fees are examples of these. These coverages may sound good at first, but if you don't need them get rid of them and save.

Marriage pays dividends - Walking down the aisle can get you a discount compared to being single. It may mean you are more responsible and insurance companies like that married drivers tend to file fewer claims.

Battle of the sexes - Over the last 50 years, statistics have shown women tend to be less risk to insure than men. That doesn't necessarily mean that males are worse at driving than females. Males and females cause accidents at a similar rate, but the male of the species get into accidents with more damage. Men also tend to receive more costly citations like reckless driving and DUI. Males from age 16 to 21 tend to get in the most accidents and therefore pay the highest rates.

The example below shows the comparison of Ford F-250 car insurance costs for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, single status, and no additional discounts are factored in.

Deter theft and pay less - Buying a car with advanced anti-theft systems can earn a premium discount. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all help prevent car theft and help bring rates down.

Older drivers pay less - Older people are shown to be more cautious, cost insurance companies less in claims, and receive fewer citations. Youthful drivers are statistically proven to get distracted easily behind the wheel so they pay higher auto insurance rates.

The data below is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

Insurance companies don't like frequent claims - If you frequently file small claims, don't be surprised to see higher premiums or even policy non-renewal. Car insurance companies in Colorado award most affordable rates to insureds who do not file claims often. Insurance coverage is meant to be used in the event of the large, substantial claims.

Cars with good safety ratings means lower auto insurance rates - Cars with five star safety ratings tend to have better insurance rates. Vehicles built for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.

Costs impacted by vehicle usage - The more you drive every year the more you'll pay to insure it. Many insurance companies calculate prices based upon how the vehicle is primarily used. Autos used primarily for pleasure use can be on a lower rate level than vehicles that have high annual mileage. Having the wrong rating on your F-250 may be costing you higher rates. Ask your agent if your auto insurance declarations sheet reflects the correct usage, because it can save money.

Ford F-250 claim probability - Insurance companies analyze historical claim data in order to profitably underwrite each model. Vehicles that the statistics show to have increased losses will have higher rates for specific coverages. The table below outlines the loss history for Ford F-250 vehicles.

For each coverage type, the loss probability for all vehicles averaged together is considered to be 100. Percentage numbers below 100 indicate a favorable loss history, while values that are above 100 indicate frequent claims or an increased likelihood of larger losses.

Ford F-250 Insurance Claim Statistics
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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

The best insurance company isn't always the cheapest

While you're price shopping online, never sacrifice coverage to reduce premiums. In many instances, an insured dropped uninsured motorist or liability limits to discover at claim time that it was a big error on their part. Your aim should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Consumers switch companies for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, policy non-renewal or even being labeled a high risk driver. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.

Low-cost Ford F-250 insurance in Colorado Springs can be sourced on the web and with local Colorado Springs insurance agents, so get free Colorado Springs car insurance quotes from both of them to have the best selection. Some insurance providers do not offer internet price quotes and usually these smaller companies only sell through independent insurance agencies.

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