The most effective way to get budget Ford F-250 insurance in Tucson is to make a habit of regularly comparing prices from insurance carriers that sell auto insurance in Arizona.
- First, gain an understanding of how companies set rates and the measures you can control to prevent expensive coverage. Many things that increase rates like traffic tickets, fender benders, and a less-than-favorable credit score can be improved by making small lifestyle or driving habit changes.
- Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like GEICO and Allstate, while independent agents can quote rates for many different companies.
- Third, compare the new rates to the premium of your current policy to determine if switching companies saves money. If you find a better price and make a switch, make sure coverage does not lapse between policies.
- Fourth, notify your company or agent to cancel your current coverage. Submit a down payment along with a completed application to your new insurance company. Be sure to place your new proof of insurance paperwork somewhere easily accessible.
One thing to remember is to try to compare the same liability limits and deductibles on every quote request and and to get rate quotes from every company you can. Doing this guarantees a fair price comparison and a good representation of prices.
Regrettably, about 70% of customers kept their policy with the same company for over three years, and approximately 40% of consumers have never even compared rates from other companies. American drivers could pocket as much as $850 a year just by getting comparison quotes, but most undervalue how much they could save if they replace their high priced policy.
Most of the larger companies such as GEICO, State Farm and Progressive allow consumers to get prices online. Getting Ford F-250 insurance prices online is pretty painless because you just enter the coverages you want into a form. After you submit the form the quote system pulls your driving record and credit report and quotes a price.
Being able to quote online for Ford F-250 insurance in Tucson simplifies rate comparisons, and it is important to have as many quotes as possible if you are searching for a better rate.
To find out what other companies charge, compare rates now from the companies shown below. If you have your current policy handy, we recommend you complete the form with the limits and deductibles identical to your current policy. This way, you will be getting a rate comparison for similar insurance coverage.
The companies shown below can provide price comparisons in Arizona. To buy the best cheap car insurance in Arizona, we recommend you get rates from several of them to get the best price comparison.
Rates and detailed analysis
The information shown next highlights detailed analysis of insurance costs for Ford F-250 models. Having insight into how insurance prices are calculated can help guide drivers when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $124 | $252 | $382 | $22 | $114 | $894 | $75 |
| F-250 XL Cabela Package 2WD | $138 | $298 | $382 | $22 | $114 | $954 | $80 |
| F-250 XL Super Cab 2WD | $138 | $298 | $382 | $22 | $114 | $954 | $80 |
| F-250 XLT 2WD | $138 | $298 | $382 | $22 | $114 | $954 | $80 |
| F-250 XL 4WD | $138 | $252 | $424 | $26 | $126 | $966 | $81 |
| F-250 XLT Super Cab 2WD | $138 | $298 | $382 | $22 | $114 | $954 | $80 |
| F-250 XL Super Cab Cabela Package 2WD | $138 | $298 | $382 | $22 | $114 | $954 | $80 |
| F-250 XL Harley Edition 2WD | $138 | $298 | $382 | $22 | $114 | $954 | $80 |
| F-250 XL Crew Cab 2WD | $138 | $298 | $382 | $22 | $114 | $954 | $80 |
| F-250 XLT 4WD | $138 | $298 | $424 | $26 | $126 | $1,012 | $84 |
| F-250 XL Cabela Package 4WD | $138 | $298 | $424 | $26 | $126 | $1,012 | $84 |
| F-250 XL Crew Cab 4WD | $138 | $298 | $424 | $26 | $126 | $1,012 | $84 |
| F-250 XL Super Cab 4WD | $138 | $298 | $424 | $26 | $126 | $1,012 | $84 |
| F-250 XL Crew Cab Cabela Package 2WD | $138 | $344 | $382 | $22 | $114 | $1,000 | $83 |
| F-250 XL Super Cab Harley Edition 2WD | $138 | $344 | $382 | $22 | $114 | $1,000 | $83 |
| F-250 XL Turbo Diesel 2WD | $138 | $344 | $382 | $22 | $114 | $1,000 | $83 |
| F-250 King Ranch Crew Cab 2WD | $138 | $344 | $382 | $22 | $114 | $1,000 | $83 |
| F-250 XLT Crew Cab 2WD | $138 | $344 | $382 | $22 | $114 | $1,000 | $83 |
| F-250 XL Super Cab Cabela Package 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 XLT Super Cab 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 XL Harley Edition 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 King Ranch Crew Cab 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 Lariat Crew Cab 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 XL Super Cab Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 XL Crew Cab Harley Edition 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 Lariat Super Cab 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 XLT Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 XL Cabela Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 XLT Turbo Diesel 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 XLT Crew Cab 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 XL Super Cab Turbo Diesel 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 XL Crew Cab Harley Edition 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 XL Cabela Turbo Diesel 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 Lariat Super Cab 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 XL Turbo Diesel 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 XL Super Cab Harley Edition 4WD | $154 | $298 | $424 | $26 | $126 | $1,028 | $86 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 XL Harley Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $154 | $344 | $382 | $22 | $114 | $1,016 | $85 |
| F-250 Lariat Crew Cab 4WD | $154 | $344 | $424 | $26 | $126 | $1,074 | $90 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $154 | $344 | $424 | $26 | $126 | $1,074 | $90 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $154 | $344 | $424 | $26 | $126 | $1,074 | $90 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $154 | $344 | $424 | $26 | $126 | $1,074 | $90 |
| F-250 Cabela Crew Cab 4WD | $154 | $344 | $424 | $26 | $126 | $1,074 | $90 |
| F-250 XL Harley Turbo Diesel 4WD | $154 | $344 | $424 | $26 | $126 | $1,074 | $90 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $154 | $344 | $424 | $26 | $126 | $1,074 | $90 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $154 | $388 | $382 | $22 | $114 | $1,060 | $88 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $170 | $344 | $424 | $26 | $126 | $1,090 | $91 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $170 | $344 | $424 | $26 | $126 | $1,090 | $91 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $170 | $344 | $424 | $26 | $126 | $1,090 | $91 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $170 | $344 | $424 | $26 | $126 | $1,090 | $91 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in garaging location in Tucson which can raise or lower coverage prices significantly.
Should you buy full coverage?
The illustration below visualizes the comparison of Ford F-250 insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The rate quotes are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no additional discounts are factored in.
When to drop comprehensive and collision
There is no set rule to stop paying for physical damage insurance, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s say your Ford F-250 replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying the physical damage deductible. If you are paying more than $400 a year for full coverage, then it might be time to consider dropping full coverage.
There are some cases where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not drop full coverage.
Get lower-cost rates on Ford F-250 insurance in Tucson with these discounts
Some companies don’t list every available discount in a way that’s easy to find, so we break down both the well known and also the lesser-known discounts that you can inquire about if you buy Tucson car insurance online. If you check and find you aren’t receiving every discount you deserve, you could be saving more on your auto insurance.
- Cautious Driver Discounts – Insureds without accidents may save up to 50% more compared to rates paid by drivers with frequent claims.
- Discounts for Multiple Vehicles – Buying insurance for multiple cars with the same company can reduce rates for all insured vehicles.
- Data Collection Discounts – Policyholders that allow their company to track driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot could see a rate decrease as long as the data is positive.
- Discount for New Cars – Buying a new car model may earn a small discount because new vehicles are generally safer.
- Low Mileage Discounts – Low annual miles could qualify for lower rates due to less chance of an accident.
- Resident Student – Youth drivers who live away from home to go to college and do not have a car may qualify for this discount.
- E-sign Discounts – Some of the larger companies will discount your bill up to fifty bucks get Tucson car insurance over the internet.
- Discount for Multiple Policies – When you have multiple policies and insure them both with the same insurance company you may earn up to 20% and get you cheap F-250 insurance.
Remember that many deductions do not apply to your bottom line cost. Most cut individual premiums such as comp or med pay. So when it seems like it’s possible to get free car insurance, you aren’t that lucky.
The example below compares Ford F-250 car insurance rates with and without policy discounts. The price estimates are based on a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, multi-car, marriage, and safe-driver discounts applied.
Some of the insurance companies that have some of the above discounts are:
When getting a coverage quote, ask each company or agent what discounts are available to you. All car insurance discounts may not apply to policyholders in Tucson.
Three main reasons to buy insurance
Despite the potentially high cost of Ford F-250 insurance, buying insurance is most likely required but also gives you several important benefits.
- Almost all states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your vehicle with a loan, more than likely the lender will require that you have comprehensive coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender will be forced to insure your Ford for a lot more money and require you to pay for the expensive policy.
- Insurance safeguards both your car and your assets. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance more than cancel out the cost, particularly for liability claims. The average driver in America is overpaying over $869 every year so compare rates once a year at a minimum to help ensure money is not being wasted.
What is the best car insurance company in Tucson?
Ending up with a good quality insurance provider can be a challenge considering how many choices drivers have in Arizona. The information in the lists below may help you select which coverage providers to look at comparing prices from.
Top 10 Tucson Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Tucson Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
You may need help from an insurance agent
Certain consumers prefer to get advice from a local agent and there is nothing wrong with that. Agents can help determine the best coverages and help file insurance claims. A good thing about comparing car insurance online is that you can find lower rates and still buy from a local agent. And providing support for neighborhood agents is definitely important in Tucson.
Once you complete this short form, the quote information is instantly submitted to insurance agents in Tucson that can provide free Tucson car insurance quotes for your coverage. There is no reason to find an agent on your own as quotes are delivered to your email. If you have a need to get a price quote for a specific company, feel free to go to their quote page and fill out the quote form the provide.
Pick the best auto insurance agent in Tucson for you
If you’re trying to find a good Tucson insurance agent, you should know the different agency structures and how they can write your policy. Agencies in Tucson are classified as either exclusive agents or independent agents. Both can write policy coverage, but it is important to understand the differences since it may influence the type of agent you choose.
Independent Car Insurance Agencies
Independent agencies often have many company appointments so they can write business with any number of different companies and find the cheapest rate. If you are not satisfied with one company, your agent can switch companies which makes it simple for you. If you are comparing rate quotes, you need to get quotes from a few independent agents to have the most options to choose from. Many write coverage with companies you’ve never heard of that may have much lower rates than larger companies.
Featured below is a small list of independent insurance agents in Tucson who can help you get rate quotes.
- Mike Pierce Insurance
1809 S 6th Ave – Tucson, AZ 85713 – (520) 884-8488 – View Map - Leavitt Group – Koty-Leavitt Insurance Agency
6992 E Broadway Blvd – Tucson, AZ 85710 – (520) 571-1900 – View Map - Tucson Insurance Associates
51 W Wetmore Rd #101 – Tucson, AZ 85705 – (520) 396-4727 – View Map
Exclusive Agents
Agents that elect to be exclusive can only quote rates from one company like Allstate, State Farm and Farmers Insurance. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agencies are trained well on their company’s products which helps overcome the inability to quote other rates. A lot of people buy from exclusive agents primarily because of the brand rather than having the cheapest rates.
Below are exclusive insurance agents in Tucson who can help you get rate quotes.
- Noreen Lawlor – State Farm Insurance Agent
8925 E Golf Links Rd – Tucson, AZ 85730 – (520) 722-7488 – View Map - Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016 – View Map - American Family Insurance – Thom Wadlund
4500 E Grant Rd Ste A – Tucson, AZ 85712 – (520) 318-0734 – View Map
Picking the best auto insurance agent is decision based upon more than just the quoted price. Any agent in Tucson should be forthright in answering these questions:
- Does the agent help file claims?
- Is there any savings for paying the full premium?
- Do they specialize in personal lines coverage in Tucson?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Can they give you a list of client referrals?
- When do they do policy reviews?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
If you feel you receive acceptable answers to these questions as well as a affordable price, it’s possible that you found an insurance agent that can be relied on to properly insure your vehicles. Just keep in mind you can cancel a policy whenever you want so don’t think that you are obligated to a specific company for any length of time.