It’s a fact that insurance companies don’t want policyholders to shop around. People who rate shop once a year will, in all likelihood, buy a different policy because they stand a good chance of finding a policy with better rates. A recent survey found that people who shopped around every year saved about $865 annually compared to policyholders who never compared prices.
If finding the lowest price on Ford F-250 insurance in Durham is your ultimate target, then learning about how to find companies and compare insurance rates can help you succeed in saving money.
The easiest way to get affordable Ford F-250 insurance is to compare prices at least once a year from providers in Durham. Prices can be compared by completing these steps.
Step 1: Take a little time to learn about how companies set rates and the steps you can take to lower rates. Many risk factors that cause rate increases such as accidents, traffic tickets, and a substandard credit history can be improved by making small lifestyle or driving habit changes.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while independent agencies can quote rates from multiple sources.
Step 3: Compare the new rate quotes to your current policy and see if you can save money. If you find a better price and decide to switch, ensure coverage does not lapse between policies.
Step 4: Provide notification to your current agent or company to cancel your current coverage and submit a down payment along with a completed application to the new insurer. Once received, put the new certificate verifying coverage along with the vehicle’s registration papers.
An important note is to use identical limits and deductibles on every price quote and and to get price estimates from as many car insurance companies as possible. This provides a fair price comparison and and a good selection of different prices.
If you are paying for car insurance now, you will definitely be able to shop for the lowest rates using these techniques. Buying the cheapest protection in Durham is easy if you know what you’re doing. But North Carolina car owners do need to understand the methods companies use to price online insurance and use it to find better rates.
Just keep in mind that getting more free quotes increases the chance that you will find a lower rate than you’re paying now. Not every company allows you to get Durham F-250 insurance quotes online, so you need to compare prices from them, too.
The companies shown below offer comparison quotes in Durham, NC. If your goal is to find cheap car insurance in Durham, NC, we recommend you visit as many as you can in order to get a fair rate comparison.
Insurance data for a Ford F-250
The price information shown next showcases a range of insurance policy prices for Ford F-250 models. Having a better understanding of how auto insurance prices are formulated can be of help when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $120 | $218 | $264 | $16 | $80 | $698 | $58 |
| F-250 XL Cabela Package 2WD | $136 | $256 | $264 | $16 | $80 | $752 | $63 |
| F-250 XL Super Cab 2WD | $136 | $256 | $264 | $16 | $80 | $752 | $63 |
| F-250 XLT 2WD | $136 | $256 | $264 | $16 | $80 | $752 | $63 |
| F-250 XL 4WD | $136 | $218 | $292 | $18 | $88 | $752 | $63 |
| F-250 XLT Super Cab 2WD | $136 | $256 | $264 | $16 | $80 | $752 | $63 |
| F-250 XL Super Cab Cabela Package 2WD | $136 | $256 | $264 | $16 | $80 | $752 | $63 |
| F-250 XL Harley Edition 2WD | $136 | $256 | $264 | $16 | $80 | $752 | $63 |
| F-250 XL Crew Cab 2WD | $136 | $256 | $264 | $16 | $80 | $752 | $63 |
| F-250 XLT 4WD | $136 | $256 | $292 | $18 | $88 | $790 | $66 |
| F-250 XL Cabela Package 4WD | $136 | $256 | $292 | $18 | $88 | $790 | $66 |
| F-250 XL Crew Cab 4WD | $136 | $256 | $292 | $18 | $88 | $790 | $66 |
| F-250 XL Super Cab 4WD | $136 | $256 | $292 | $18 | $88 | $790 | $66 |
| F-250 XL Crew Cab Cabela Package 2WD | $136 | $294 | $264 | $16 | $80 | $790 | $66 |
| F-250 XL Super Cab Harley Edition 2WD | $136 | $294 | $264 | $16 | $80 | $790 | $66 |
| F-250 XL Turbo Diesel 2WD | $136 | $294 | $264 | $16 | $80 | $790 | $66 |
| F-250 King Ranch Crew Cab 2WD | $136 | $294 | $264 | $16 | $80 | $790 | $66 |
| F-250 XLT Crew Cab 2WD | $136 | $294 | $264 | $16 | $80 | $790 | $66 |
| F-250 XL Super Cab Cabela Package 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 XLT Super Cab 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 XL Harley Edition 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 King Ranch Crew Cab 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 Lariat Crew Cab 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 XL Super Cab Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 XL Crew Cab Harley Edition 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 Lariat Super Cab 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 XLT Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 XL Cabela Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 XLT Turbo Diesel 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 XLT Crew Cab 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 XL Super Cab Turbo Diesel 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 XL Crew Cab Harley Edition 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 XL Cabela Turbo Diesel 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 Lariat Super Cab 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 XL Turbo Diesel 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 XL Super Cab Harley Edition 4WD | $152 | $256 | $292 | $18 | $88 | $806 | $67 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 XL Harley Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $152 | $294 | $264 | $16 | $80 | $806 | $67 |
| F-250 Lariat Crew Cab 4WD | $152 | $294 | $292 | $18 | $88 | $844 | $70 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $152 | $294 | $292 | $18 | $88 | $844 | $70 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $152 | $294 | $292 | $18 | $88 | $844 | $70 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $152 | $294 | $292 | $18 | $88 | $844 | $70 |
| F-250 Cabela Crew Cab 4WD | $152 | $294 | $292 | $18 | $88 | $844 | $70 |
| F-250 XL Harley Turbo Diesel 4WD | $152 | $294 | $292 | $18 | $88 | $844 | $70 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $152 | $294 | $292 | $18 | $88 | $844 | $70 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $152 | $334 | $264 | $16 | $80 | $846 | $71 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $166 | $294 | $292 | $18 | $88 | $858 | $72 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $166 | $294 | $292 | $18 | $88 | $858 | $72 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $166 | $294 | $292 | $18 | $88 | $858 | $72 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $166 | $294 | $292 | $18 | $88 | $858 | $72 |
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific garaging location which can impact premium rates greatly.
Should you buy full coverage?
The diagram below shows the comparison of Ford F-250 auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. The data assumes no claims or violations, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Should you buy full coverage or liability only?
There is no specific rule that works best for making the decision to drop comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Ford F-250 claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after the deductible is paid. If it’s costing you more than $200 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some conditions where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
When should I discuss my situation with an agent?
When it comes to coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.
For example, these questions can aid in determining whether you might need an agent’s assistance.
- When should I not buy collision coverage?
- Am I covered while delivering pizza?
- What is an SR-22 filing?
- Am I better off with higher deductibles on my Ford F-250?
- If my car is totaled with they pay enough to replace it?
- Why am I required to get a high-risk car insurance policy?
If you can’t answer these 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.
Can’t I compare rates from local Durham auto insurance agents?
A lot of people just prefer to get advice from a local agent and that can be a great decision One of the best bonuses of comparing rate quotes online is that drivers can save money and get better rates and still buy from a local agent.
After filling out this short form, your insurance data is emailed to participating agents in Durham that can give you free Durham auto insurance quotes for your business. You won’t even need to even leave your home as quotes are delivered straight to your inbox. You can find better rates and an insurance agent to talk to. If for some reason you want to compare rates from a specific company, you can always search and find their rate quote page and fill out their quote form.
Choosing the best provider requires you to look at more than just the premium amount. Any good agent in Durham should know the answers to these questions.
- Did they already check your driving record and credit reports?
- In the event of vehicle damage, can you pick the collision repair facility?
- Are you getting all the discounts the company offers?
- Are they able to influence company decisions when a claim is filed?
- If you raise deductibles, how much can you save?
Insurance agent types
When finding a local Durham insurance agency, it’s helpful to know the types of insurance agents and how they can quote your rates. Durham agents are either independent or exclusive.
Exclusive Agents
Exclusive agencies can only place business with one company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. These agents are very knowledgeable on sales techniques which helps overcome the inability to quote other rates. Some people will only choose to use a exclusive agent partially due to the brand name and the convenience of having all coverages with one company.
Listed below is a short list of exclusive insurance agents in Durham willing to provide comparison quotes.
- Zonya Autmon – State Farm Insurance Agent
2402 S Miami Blvd #103 – Durham, NC 27703 – (919) 993-3555 – View Map - Marty Lindsey – State Farm Insurance Agent
1852 Hillandale Rd – Durham, NC 27705 – (919) 479-9671 – View Map - John Moore – State Farm Insurance Agent
1107 W Main St #201 – Durham, NC 27701 – (919) 598-7900 – View Map
Independent Insurance Agents
Agents of this type are not employed by any specific company so they can insure your vehicles through lots of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they can switch companies in-house and you stay with the same agent.
If you need lower rates, you absolutely need to compare prices from a couple of independent agencies so that you can do a thorough price comparison. Most also have access to different regional companies that may have much lower rates than larger companies.
Below is a short list of independent agencies in Durham that can give you price quotes.
- Tyson Insurance
3814 N Duke St # A – Durham, NC 27704 – (919) 471-8222 – View Map - Insurance People-N Carolina
1920 Front St # 750 – Durham, NC 27705 – (919) 383-0442 – View Map - The Insurance Pros, Inc.
1210 Cole Mill Rd Suite 101 – Durham, NC 27705 – (919) 294-6613 – View Map