How to Save on Ford F-250 Insurance in Jacksonville

Are you looking for a better way to compare low-cost Ford F-250 insurance in Jacksonville? When looking for lower-priced insurance, are you overwhelmed by the sheer number of car insurance providers in Jacksonville? Lot’s of other drivers are too. Florida consumers have so many providers available that it can easily become a difficult situation to find a more affordable company. Jacksonville is an excellent city in which to live, but high car insurance premiums can make it hard for many drivers to affordably insure vehicles.

A recent survey discovered that most car insurance policyholders in Florida have bought car insurance from the same company for over three years, and 38% of drivers have never even compared quotes to find lower-cost rates. With the average car insurance premium being $1,847, U.S. drivers can save hundreds of dollars each year by just comparing quotes, but they don’t know how much money they would save if they moved their coverage to a different company.

Locating the best rates in Jacksonville is really quite simple as long as you have a good starting point. Essentially every car owner who is looking for a better price on auto insurance should find lower prices. Nevertheless, Florida consumers benefit from understanding how companies determine how much to charge because rates are impacted by many factors.

Just keep in mind that comparing a large number of companies helps you find the best rates. Some smaller insurers do not give rate quotes online, so it’s necessary to compare rates from the smaller companies as well.

The following companies can provide price quotes in Florida. If multiple providers are shown, it’s a good idea that you visit several of them in order to get a fair rate comparison.

These ten discounts can lower Ford F-250 insurance rates

Some insurance providers don’t list every possible discount in an easy-to-find place, so the following list contains a few of the more common and the harder-to-find savings tricks you should be using when you buy Jacksonville car insurance online.

• No Charge for an Accident – Not a discount per se, but companies like Progressive, State Farm and GEICO will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
• Driver Education Discount – It’s a good idea to have your young drivers enroll in driver’s education in high school.
• Accident Free – Good drivers with no accidents can save substantially when compared with bad drivers.
• Defensive Driver Discounts – Taking time to complete a defensive driver class is a good idea and can lower rates and easily pay for the cost of the class.
• Telematics Data Discounts – Drivers that enable driving data collection to look at driving patterns by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they are good drivers.
• Theft Deterrent – Cars, trucks, and SUVs with anti-theft systems help deter theft and will save you 10% or more on F-250 insurance in Jacksonville.
• Low Miles Discount – Keeping the miles down on your Ford may allow you to get discounted premium rates on garaged vehicles.
• Active Military Service – Having an actively deployed family member can result in better prices.
• Discount for Swiching Early – A few larger companies allow discounts for renewing your policy early. It’s a savings of about 10%.
• Senior Discount – If you’re over the age of 55, you can get a discount up to 10%.

Keep in mind that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it’s just not the way it works.

The illustration below shows the difference between Ford F-250 yearly insurance costs with and without discounts applied. The costs are based on a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, homeowner, multi-policy, and claim-free discounts applied.

To find insurance companies that have a full spectrum of discounts in Jacksonville, click here to view.

Ford F-250 coverage statistics

The premium information shown next covers a range of coverage costs for Ford F-250 models. Learning a little about how prices are formulated can aid in making decisions when shopping around.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can modify insurance rates substantially.

Do you need full coverage?

The diagram below shows the comparison of Ford F-250 car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There isn’t a steadfast formula that works best for making the decision to drop physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s assume your Ford F-250 replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after you pay the deductible. If you are paying more than $800 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some cases where eliminating full coverage is not advised. If you haven’t paid off your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.

You may need help from an insurance agent

A small number of people just prefer to buy from a licensed agent. One of the great benefits of comparing rate quotes online is that drivers can save money and get lower prices and also buy local.

After filling out this short form, your coverage information is instantly submitted to agents in your area that can provide free Jacksonville car insurance quotes for your coverage. There is no reason to find an agent on your own as quotes are delivered instantly to you. You’ll get the best rates and a licensed agent to work with. If you need to compare rates from a specific insurance company, you just need to navigate to their website to submit a rate quote request.

Choosing an insurance company requires more thought than just a cheap quote. You should also get answers to these questions.

• Is assistance available after office hours?
• Is vehicle damage repaired with OEM or aftermarket parts?
• If your car is totaled, how to they determine the replacement cost?
• Are there any discounts that you might be missing?
• Can they provide you with a list of referrals?
• What insurance company do they write the most business with?

If you would like to find a reliable insurance agency, you must know there are a couple different agency structures and how they can quote your rates. Insurance agencies in Jacksonville can be described as either independent or exclusive depending on the company they work for.

Exclusive Insurance Agents

These agents have only one company to place business with like State Farm or Allstate. Exclusive agencies are unable to place coverage with different providers so always compare other rates. Exclusive agencies are usually quite knowledgeable on the products they sell and that enables them to sell even at higher rates. Some consumers prefer to buy from exclusive agents mainly due to the brand name instead of buying on price only.

The following are exclusive agencies in Jacksonville who can help you get price quotes.

• Bob Gibbs – State Farm Insurance Agent
  5495 Fort Caroline Rd – Jacksonville, FL 32277 – (904) 744-2702 – View Map
• Bill Pool – State Farm Insurance Agent
  7025 Normandy Blvd – Jacksonville, FL 32205 – (904) 781-3800 – View Map
• Bill Doyle – State Farm Insurance Agent
  11555 Central Pkwy #904 – Jacksonville, FL 32224 – (904) 642-4000 – View Map

More insurance agents

Independent Agencies or Brokers

Agents that choose to be independent are not employed by any specific company so they can quote policies with lots of companies enabling the ability to shop coverage around. If you want to switch companies, an independent agent can move your coverage which is easy for the insured. When comparing insurance rates, it’s a good idea to get several quotes from at least one independent agent to ensure the widest selection of prices. Most independent agents also contract with companies you’ve never heard of that can offer cheaper rates than bigger companies.

Listed below is a short list of independent insurance agents in Jacksonville that are able to give price quote information.

• Contemporary Affordable Insurance Agency
  212 E Forsyth St – Jacksonville, FL 32202 – (904) 350-0014 – View Map
• Rumlin Insurance Agency
  5600 New Kings Rd #4 – Jacksonville, FL 32209 – (904) 770-4456 – View Map
• All Lines Insurance Agency
  4828 Blanding Blvd Suite 1 – Jacksonville, FL 32210 – (904) 376-7200 – View Map

More insurance agents

Will just any policy work for me?

When it comes to the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. You are unique and a cookie cutter policy won’t apply.
These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

• Where can I find DUI or SR-22 insurance?
• Am I missing any policy discounts?
• Is my dog or cat covered if injured in an accident?
• Can I afford to pay high deductible claims out of pocket?
• Will I lose any money if I cancel my policy before it expires?
• What if I total my Ford F-250 and owe more than it’s worth?
• What does PIP insurance cover?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Why you need to buy insurance

Despite the fact that insurance is not cheap in Jacksonville, paying for insurance is required in Florida but also provides important benefits.

• Just about all states have minimum mandated liability insurance limits which means state laws require specific limits of liability if you drive a vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your F-250 with a loan, more than likely the lender will require that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may have to buy a policy to insure your Ford at an extremely high rate and force you to pay for the much more expensive policy.
• Insurance safeguards not only your car but also your financial assets. Insurance will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If your Ford gets damaged, comprehensive and/or collision insurance will cover the repair costs.

The benefits of carrying enough insurance definitely exceed the price paid, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is overpaying more than $855 a year so you should quote and compare rates at every renewal to ensure rates are competitive.

Parts of your car insurance policy

Understanding the coverages of car insurance can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from car insurance companies.

Comprehensive car insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from getting keyed, hitting a deer and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision coverage pays for damage to your F-250 from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sustaining damage from a pot hole, driving through your garage door, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible on your F-250 to save money on collision insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like chiropractic care, prosthetic devices and ambulance fees. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability – This coverage provides protection from damages or injuries you inflict on a person or their property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 10/20/10 that translate to $10,000 in coverage for each person’s injuries, a total of $20,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.

Liability can pay for claims such as funeral expenses, medical expenses, attorney fees, court costs and emergency aid. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford. Florida state minimum liability requirements are 10/20/10 but you should consider buying more coverage.

The chart below demonstrates why minimum state limits may not be adequate coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many Florida drivers have only the minimum liability required by law (10/20/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Don’t give up on cheap rates

We just presented a lot of information how to find lower-cost Ford F-250 insurance in Jacksonville. It’s most important to understand that the more providers you compare, the better your chances of lowering your prices. Consumers may even find the lowest premium rates are with some of the lesser-known companies. Regional companies may often insure only within specific states and give better rates than the large multi-state companies such as Progressive or GEICO.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. In many cases, consumers will sacrifice liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage for the lowest cost.

Steps to finding cheaper quotes for Ford F-250 insurance in Jacksonville

The recommended way to find low-cost prices for Ford F-250 insurance is to annually compare prices from different companies that sell auto insurance in Jacksonville.

Step 1: Spend some time learning about the coverage provided by your policy and the measures you can control to drop your rates. Many policy risk factors that increase rates like traffic violations and a negative credit rating can be eliminated by improving your driving habits or financial responsibility.

Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Allstate, while independent agencies can quote rates from multiple insurance companies.

Step 3: Compare the price quotes to the premium of your current policy and see if there is a cheaper rate. If you find a better price and switch companies, make sure coverage does not lapse between policies.

A good tip to remember is that you’ll want to compare identical coverages on every quote request and to quote with as many auto insurance providers as possible. Doing this guarantees a level playing field and a complete selection of prices.

To read more, link through to these articles:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Who Has the Cheapest Car Insurance Quotes for a GMC Sierra in Jacksonville? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Ford F-150 in Jacksonville? (FAQ)
• Who Has Cheap Jacksonville Car Insurance Rates for Teachers? (FAQ)
• Who Has Cheap Jacksonville Auto Insurance for Lyft Drivers? (FAQ)
• How to Avoid Staged Accidents (State Farm)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)