Are you looking for low-cost insurance rates in Fort Wayne, IN? Fort Wayne drivers have many options when trying to find affordable Ford F-250 insurance. You can either waste hours driving around trying to get quotes or utilize the internet to make rate comparisons.
There are both good and bad ways to buy insurance and you need to know the absolute fastest way to price shop coverage for a new or used Ford and obtain the cheapest rates either online or from Fort Wayne insurance agents.
It’s important to check insurance prices every six months since insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates on Ford F-250 insurance in Fort Wayne two years ago you can probably find a better premium rate now. Forget anything you know (or think you know) about insurance because we’re going to show you one of the easiest ways to find lower rates on insurance.
Best companies for affordable Ford F-250 insurance in Indiana
The following companies are ready to provide price quotes in Indiana. If your goal is to find cheaper auto insurance in Fort Wayne, IN, we recommend you visit two to three different companies to get the cheapest price.
Data for Ford F-250 insurance
The premium information shown below highlights detailed analysis of coverage prices for Ford F-250 models. Understanding how insurance prices are established is important for you to make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $232 | $494 | $412 | $24 | $124 | $1,286 | $107 |
| F-250 XL Cabela Package 2WD | $262 | $580 | $412 | $24 | $124 | $1,402 | $117 |
| F-250 XL Super Cab 2WD | $262 | $580 | $412 | $24 | $124 | $1,402 | $117 |
| F-250 XLT 2WD | $262 | $580 | $412 | $24 | $124 | $1,402 | $117 |
| F-250 XL 4WD | $262 | $494 | $456 | $28 | $136 | $1,376 | $115 |
| F-250 XLT Super Cab 2WD | $262 | $580 | $412 | $24 | $124 | $1,402 | $117 |
| F-250 XL Super Cab Cabela Package 2WD | $262 | $580 | $412 | $24 | $124 | $1,402 | $117 |
| F-250 XL Harley Edition 2WD | $262 | $580 | $412 | $24 | $124 | $1,402 | $117 |
| F-250 XL Crew Cab 2WD | $262 | $580 | $412 | $24 | $124 | $1,402 | $117 |
| F-250 XLT 4WD | $262 | $580 | $456 | $28 | $136 | $1,462 | $122 |
| F-250 XL Cabela Package 4WD | $262 | $580 | $456 | $28 | $136 | $1,462 | $122 |
| F-250 XL Crew Cab 4WD | $262 | $580 | $456 | $28 | $136 | $1,462 | $122 |
| F-250 XL Super Cab 4WD | $262 | $580 | $456 | $28 | $136 | $1,462 | $122 |
| F-250 XL Crew Cab Cabela Package 2WD | $262 | $668 | $412 | $24 | $124 | $1,490 | $124 |
| F-250 XL Super Cab Harley Edition 2WD | $262 | $668 | $412 | $24 | $124 | $1,490 | $124 |
| F-250 XL Turbo Diesel 2WD | $262 | $668 | $412 | $24 | $124 | $1,490 | $124 |
| F-250 King Ranch Crew Cab 2WD | $262 | $668 | $412 | $24 | $124 | $1,490 | $124 |
| F-250 XLT Crew Cab 2WD | $262 | $668 | $412 | $24 | $124 | $1,490 | $124 |
| F-250 XL Super Cab Cabela Package 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 XLT Super Cab 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 XL Harley Edition 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 King Ranch Crew Cab 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 Lariat Crew Cab 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 XL Super Cab Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 XL Crew Cab Harley Edition 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 Lariat Super Cab 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 XLT Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 XL Cabela Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 XLT Turbo Diesel 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 XLT Crew Cab 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 XL Super Cab Turbo Diesel 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 XL Crew Cab Harley Edition 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 XL Cabela Turbo Diesel 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 Lariat Super Cab 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 XL Turbo Diesel 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 XL Super Cab Harley Edition 4WD | $292 | $580 | $456 | $28 | $136 | $1,492 | $124 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 XL Harley Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $292 | $668 | $412 | $24 | $124 | $1,520 | $127 |
| F-250 Lariat Crew Cab 4WD | $292 | $668 | $456 | $28 | $136 | $1,580 | $132 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $292 | $668 | $456 | $28 | $136 | $1,580 | $132 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $292 | $668 | $456 | $28 | $136 | $1,580 | $132 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $292 | $668 | $456 | $28 | $136 | $1,580 | $132 |
| F-250 Cabela Crew Cab 4WD | $292 | $668 | $456 | $28 | $136 | $1,580 | $132 |
| F-250 XL Harley Turbo Diesel 4WD | $292 | $668 | $456 | $28 | $136 | $1,580 | $132 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $292 | $668 | $456 | $28 | $136 | $1,580 | $132 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $292 | $756 | $412 | $24 | $124 | $1,608 | $134 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $322 | $668 | $456 | $28 | $136 | $1,610 | $134 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $322 | $668 | $456 | $28 | $136 | $1,610 | $134 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $322 | $668 | $456 | $28 | $136 | $1,610 | $134 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $322 | $668 | $456 | $28 | $136 | $1,610 | $134 |
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate information does not factor in your specific Fort Wayne location which can alter rates noticeably.
The information below highlights how deductible selection and can influence Ford F-250 premium costs for different ages of insureds. The costs are based on a single female driver, comp and collision included, and no other discounts are factored in.
Full coverage rates compared to liability-only
The information below illustrates the difference between Ford F-250 car insurance costs when comparing full coverage to liability only. The premiums are based on no claims or driving citations, $100 deductibles, single marital status, and no discounts are factored in.
Guidelines for eliminating full coverage
There is no clear-cut formula of when to eliminate full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Ford F-250 settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $2,000 after paying your policy deductible. If it’s costing you more than $200 a year to have full coverage, then you might consider buying liability only.
There are some cases where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.
Smart Buyers Can Save Money
An important part of buying insurance is that you know a few of the rating criteria that help determine your insurance rates. When you know what positively or negatively influences your rates, this allows you to make educated decisions that can help you get lower premium levels.
The list below includes some of the items used by companies to determine your rate level.
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Guys are more aggressive – Over time, data shows that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both are responsible for at-fault accidents in similar percentages, but the men tend to have higher claims. Men also statistically get cited for more serious violations like DUI and reckless driving. Young men ages 16 to 20 generally have the highest accident percentage and therefore are the most expensive to insure.
The chart below visualizes the comparison of Ford F-250 premium costs for male and female drivers. The information is based on no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are factored in.
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Performance impacts insurance premiums – The performance level of the car, truck or SUV you need to insure makes a big difference in how high your rates are. The lowest performance passenger vehicles receive the most favorable rates, but many other things help determine your insurance rates.
The following data assumes a married female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It shows Ford F-250 policy rates compared to other vehicles that have a range of risk factors.
- Vehicle features impact rates – Choosing to buy a car with an alarm system can help lower your premiums. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.
- When should you file insurance claims? – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies in Indiana generally give cheaper rates to drivers who only file infrequent claims. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
- Poor credit rating equals high premiums – Having a bad credit rating is a large factor in determining what you pay for insurance. If your credit history is not that good, you could pay less to insure your Ford F-250 by improving your rating. Drivers who have excellent credit tend to be better risks to insure than drivers who have lower credit scores.
- Avoid unnecessary add-on coverages – There are many additional coverages that you can buy on your insurance policy. Add-on coverages like coverage for rental cars, high-cost glass coverage, and additional equipment coverage are probably not needed. These may sound like a good investment when talking to your agent, but if you have no use for them consider taking them off your policy.
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Rates increase with driving citations – How you drive can have a huge impact on auto insurance premiums. Only having one driving citation can increase rates substantially. Good drivers tend to pay less for car insurance than their less careful counterparts. People who have license-revoking violations like DUI or reckless driving may need to maintain a SR-22 with their state in order to prevent a license revocation.
The information below illustrates how speeding tickets and at-fault fender-benders can influence Ford F-250 car insurance costs for each different age group. The premiums are based on a single male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
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Claims statistics for a Ford F-250 – Companies take into consideration insurance loss statistics for every vehicle to calculate a price that will offset any claims. Vehicles that the statistics show to have higher frequency or amount of claims will cost more for coverage.
The information below illustrates the loss history for Ford F-250 vehicles. For each insurance policy coverage type, the claim amount for all vehicles, without regard to make or model, is set at 100. Values under 100 represent a good loss history, while numbers above 100 show a trend for more claims or larger claims.
Insurance Loss Ratings for Ford F-250 Vehicles 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Fort Wayne insurance discounts
Properly insuring your vehicles can get expensive, but you may qualify for discounts that you may not even know about. Many discounts should be triggered when you complete an application, but once in a while a discount must be asked for before you will receive the discount.
- Theft Deterrent – Cars and trucks equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
- Good Student Discount – This discount may save as much as 25% on a Fort Wayne auto insurance quote. Most companies allow this discount up until you turn 25.
- Anti-lock Brake Discount – Cars equipped with ABS or steering control are safer to drive and will save you 10% or more on F-250 insurance in Fort Wayne.
- Early Switch Discount – Some insurance companies give discounts for renewing your policy before your current coverage expires. You may see this discount when you get Fort Wayne auto insurance quotes online.
- Paperwork-free – Some of the larger companies will discount your bill up to fifty bucks get Fort Wayne auto insurance on their website.
As is typical with insurance, some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.
The example below illustrates the difference between Ford F-250 car insurance costs with and without discounts applied to the premium. The premiums are based on a male driver, no tickets, no at-fault accidents, Indiana state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, homeowner, claim-free, and multi-policy discounts applied.
A list of companies and some of the discounts are detailed below.
- Travelers has savings for continuous insurance, payment discounts, hybrid/electric vehicle, multi-policy, and good student.
- 21st Century offers premium reductions for student driver, good student, theft prevention, air bags, and homeowners.
- State Farm has discounts for multiple policy, driver’s education, multiple autos, good student, and Steer Clear safe driver discount.
- GEICO policyholders can earn discounts including five-year accident-free, multi-policy, anti-lock brakes, anti-theft, daytime running lights, and seat belt use.
- SAFECO offers discounts including teen safety rewards, teen safe driver, anti-theft, drive less, and anti-lock brakes.
- AAA offers discounts for good student, pay-in-full, good driver, multi-policy, and education and occupation.
If you need lower rates, check with every insurance company which discounts you qualify for. Savings might not apply in every state. To locate providers who offer insurance discounts in Fort Wayne, click this link.
Insurance agent or online?
Some consumers still prefer to get professional advice from a licensed agent and that is a smart decision Experienced insurance agents are very good at helping people manage risk and help file insurance claims. One of the great benefits of comparing insurance prices online is that you can find the best rates and still choose a local agent. Supporting small agencies is important especially in Fort Wayne.
By using this quick form, your coverage information is transmitted to insurance agents in Fort Wayne that provide free Fort Wayne auto insurance quotes and help you find cheaper coverage. There is no reason to contact an agency due to the fact that quote results will go directly to your email. If for some reason you want to get a rate quote from a particular provider, don’t hesitate to find their quoting web page and fill out their quote form.
The type of car insurance agent you choose is important
When searching for a local Fort Wayne insurance agency, it’s helpful to know the different types of agents to choose from. Insurance agencies can either be independent or exclusive. Either can handle insurance, but it’s worth learning the difference in the companies they write for since it can affect the kind of agent you use.
Independent Insurance Agents
Agents of this type can quote rates with many companies so they can quote policies through many companies depending on which coverage is best. If they quote lower rates, they simply move your policy to a different company and that require little work on your part.
If you are comparing rate quotes, you will definitely want to get rate quotes from several independent insurance agents to have the most options to choose from. They also have the ability to place coverage with smaller companies that many times have cheaper rates.
The following is a small list of independent agents in Fort Wayne that may be able to provide cheap rate quotes.
- Hupe Insurance Services
7011 Stellhorn Rd – Fort Wayne, IN 46815 – (800) 701-5909 – View Map - Real Estate Agents Health Insurance Direct
8411 Clinton Park Dr – Fort Wayne, IN 46825 – (855) 343-7344 – View Map - Affordable Agency Inc
2314 Lake Ave – Fort Wayne, IN 46805 – (260) 485-2526 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can usually just insure with one company and examples are State Farm, Allstate, and Farm Bureau. They are unable to compare other company’s rates so always compare other rates. These agents are usually quite knowledgeable on sales techniques and that enables them to sell even at higher rates. Some people will only use the same agent mainly due to the prominence of the brand and the convenience of having all coverages with one company.
Below are exclusive agencies in Fort Wayne who can help you get comparison quotes.
- Kent Paul – State Farm Insurance Agent
1505 W Dupont Rd – Fort Wayne, IN 46825 – (260) 478-2222 – View Map - Allstate Insurance: Rolly Bhargava
4660 W Jefferson Blvd Ste 100 – Fort Wayne, IN 46804 – (260) 459-7673 – View Map - Allstate Insurance: Jeffrey W Griggs
4340 Maplecrest Rd – Fort Wayne, IN 46815 – (260) 486-3883 – View Map
Deciding on a auto insurance agent needs to be determined by more than just the premium amount. Any agent in Fort Wayne should be forthright in answering these questions:
- Is the coverage adequate for your vehicle?
- How will an accident affect your rates?
- Will they make sure you get an adequate claim settlement?
- Where would glass claims be handled in Fort Wayne?
- Is assistance available after office hours?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they prorate repair cost based on vehicle mileage?
Situations that may require an agent’s advice
When selecting the best car insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.
For instance, these questions may help highlight whether or not you might need professional guidance.
- Can my teen drive my company car?
- Is rental equipment covered for theft or damage?
- Do I really need UM/UIM coverage?
- Should I rate my vehicle as business use?
- Do I have any recourse if my insurance company denies a claim?
- What are good deductibles for a Ford F-250?
- Is business equipment covered while in my vehicle?
If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.
In the end, you can save money
As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. In many instances, someone dropped liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.
We just presented many ideas to shop for Ford F-250 insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding the cheapest Ford F-250 rate quotes. Drivers may even discover the lowest rates are with the least-expected company.
Drivers leave their current company for any number of reasons including poor customer service, an unsatisfactory settlement offer, high rates after DUI convictions and even delays in responding to claim requests. It doesn’t matter why you want to switch switching auto insurance companies is pretty easy and you might even save some money in the process.
How to save on Ford F-250 insurance in Fort Wayne
The most effective way to get budget Ford F-250 insurance in Fort Wayne is to do a yearly price comparison from companies that sell auto insurance in Indiana.
First, read about how auto insurance works and the factors you can control to lower rates. Many rating criteria that result in higher prices such as accidents, careless driving, and a less-than-favorable credit history can be remedied by making minor changes in your lifestyle.
Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO or Allstate, while independent agents can quote rates for many different companies. View rates
Third, compare the price quotes to your existing coverage to see if a cheaper rate is available. If you can save money and switch companies, ensure coverage does not lapse between policies.
The most important part of shopping around is to use the same level of coverage on each quote and and to analyze as many companies as possible. This ensures a fair rate comparison and a good representation of prices.
Additional information can be read below:
- Property Damage Coverage (Liberty Mutual)
- Who Has the Cheapest Car Insurance Quotes for Active Military in Fort Wayne? (FAQ)
- How Much is Car Insurance with Multiple Speeding Tickets in Fort Wayne? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers with Accidents in Fort Wayne? (FAQ)
- Who Has Affordable Fort Wayne Auto Insurance Rates for Immigrants? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Your Car has been Stolen: Now What? (Allstate)
- Drunk Driving Statistics (Insurance Information Institute)