A recent insurance study revealed that nearly 70% of drivers have purchased from the same company for over three years, and approximately 40% of consumers have never quoted rates to find cheaper coverage. With the average premium in Arizona being $1,600, drivers could pocket 50% a year just by shopping around, but most just don’t grasp the large savings they would see if they replace their high priced policy.
Truthfully, the best way to quote cheaper auto insurance rates in Mesa is to start doing a yearly price comparison from different companies who provide auto insurance in Arizona. Drivers can shop around by following these steps.
- Try to learn a little about policy coverages and the things you can control to prevent rate increases. Many risk factors that increase rates like inattentive driving and poor credit can be controlled by making lifestyle changes or driving safer.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while independent agents can provide price quotes from multiple companies. Compare rates now
- Compare the price quotes to your current policy to see if cheaper F-250 coverage is available in Mesa. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Give notification to your current company to cancel your current auto insurance policy. Submit a down payment and signed policy application to the new insurer. As soon as you receive it, safely store the certificate verifying proof of insurance along with the vehicle’s registration papers.
The key thing to remember is to use identical coverages on each price quote and and to compare as many different companies as possible. Doing this provides a level playing field and plenty of rates choose from.
The most recommended method to compare rates for Ford F-250 insurance in Mesa is to take advantage of the fact all the major auto insurance companies allow for online access to give free rates quotes. All you need to do is provide details such as if you went to college, if you are currently licensed, if it has an alarm system, and if you lease or own. Your information is automatically sent to insurance carriers in your area and they return quotes instantly.
To find lower cheap Ford F-250 insurance rates now, click here and enter the information requested.
The auto insurance companies shown below can provide free rate quotes in Arizona. In order to find the cheapest car insurance in Arizona, we recommend you click on several of them to get a more complete price comparison.
Slash rates with these discounts on Ford F-250 insurance in Mesa
Some insurance providers don’t always list all discounts very clearly, so the below list has some of the best known in addition to some of the lesser obvious discounts that may be available. If they aren’t giving you every credit available, you could be saving more on your auto insurance.
- Payment Method – If you pay your bill all at once rather than paying in monthly installments you may reduce your total bill.
- No Charge for an Accident – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm allow you one accident without the usual rate increase if your claims history is clear prior to the accident.
- Distant Student Discount – Youth drivers who are enrolled in higher education away from home and do not take a car to college may be insured at a cheaper rate.
- Theft Deterrent – Cars and trucks optioned with advanced anti-theft systems help deter theft and will qualify for a discount on a Mesa auto insurance quote.
- Own a Home – Owning a house in Mesa can save you money because it means you have a higher level of financial diligence.
- Discount for Multiple Policies – If you insure your home and vehicles and place coverage with the same company you could earn a discount of approximately 10% to 15%.
- Membership in Organizations – Having an affiliation with qualifying employment or professional organizations is a good way to get lower rates on your policy.
- Senior Citizens – Drivers over the age of 55 can get a small decrease in premiums.
- Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars with one company can get a discount on all vehicles.
- Discounts for Responsible Drivers – Drivers who avoid accidents may save up to 50% more compared to accident prone drivers.
We need to note that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.
The chart below visualizes the comparison of Ford F-250 insurance prices with and without discounts being applied to the rates. Data assumes a female driver, no claims or violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, multi-car, claim-free, and marriage discounts applied.
A list of companies and some of their more popular discounts include:
- The Hartford includes discounts for driver training, defensive driver, vehicle fuel type, bundle, and air bag.
- American Family policyholders can earn discounts including defensive driver, mySafetyValet, air bags, accident-free, Steer into Savings, and good driver.
- Progressive discounts include online quote discount, good student, multi-vehicle, online signing, continuous coverage, and multi-policy.
- Travelers offers discounts including driver training, early quote, save driver, home ownership, student away at school, continuous insurance, and payment discounts.
- Farmers Insurance offers discounts for homeowner, youthful driver, early shopping, good student, and teen driver.
- USAA offers premium reductions for safe driver, vehicle storage, defensive driver, loyalty savings, driver training, and new vehicle.
- Liberty Mutual has savings for preferred payment discount, new vehicle discount, teen driver discount, new graduate, newly retired, multi-policy, and hybrid vehicle.
Check with every prospective company the best way to save money. Discounts might not apply in Mesa. If you would like to choose from a list of companies that have a full spectrum of discounts in Arizona, follow this link.
Data for Ford F-250 insurance
The rate table shown next highlights a range of policy rates for Ford F-250 models. Learning more about how rates are formulated is important for making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $162 | $308 | $356 | $22 | $106 | $954 | $80 |
| F-250 XL Cabela Package 2WD | $182 | $364 | $356 | $22 | $106 | $1,030 | $86 |
| F-250 XL Super Cab 2WD | $182 | $364 | $356 | $22 | $106 | $1,030 | $86 |
| F-250 XLT 2WD | $182 | $364 | $356 | $22 | $106 | $1,030 | $86 |
| F-250 XL 4WD | $182 | $308 | $394 | $24 | $118 | $1,026 | $86 |
| F-250 XLT Super Cab 2WD | $182 | $364 | $356 | $22 | $106 | $1,030 | $86 |
| F-250 XL Super Cab Cabela Package 2WD | $182 | $364 | $356 | $22 | $106 | $1,030 | $86 |
| F-250 XL Harley Edition 2WD | $182 | $364 | $356 | $22 | $106 | $1,030 | $86 |
| F-250 XL Crew Cab 2WD | $182 | $364 | $356 | $22 | $106 | $1,030 | $86 |
| F-250 XLT 4WD | $182 | $364 | $394 | $24 | $118 | $1,082 | $90 |
| F-250 XL Cabela Package 4WD | $182 | $364 | $394 | $24 | $118 | $1,082 | $90 |
| F-250 XL Crew Cab 4WD | $182 | $364 | $394 | $24 | $118 | $1,082 | $90 |
| F-250 XL Super Cab 4WD | $182 | $364 | $394 | $24 | $118 | $1,082 | $90 |
| F-250 XL Crew Cab Cabela Package 2WD | $182 | $418 | $356 | $22 | $106 | $1,084 | $90 |
| F-250 XL Super Cab Harley Edition 2WD | $182 | $418 | $356 | $22 | $106 | $1,084 | $90 |
| F-250 XL Turbo Diesel 2WD | $182 | $418 | $356 | $22 | $106 | $1,084 | $90 |
| F-250 King Ranch Crew Cab 2WD | $182 | $418 | $356 | $22 | $106 | $1,084 | $90 |
| F-250 XLT Crew Cab 2WD | $182 | $418 | $356 | $22 | $106 | $1,084 | $90 |
| F-250 XL Super Cab Cabela Package 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 XLT Super Cab 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 XL Harley Edition 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 King Ranch Crew Cab 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 Lariat Crew Cab 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 XL Super Cab Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 XL Crew Cab Harley Edition 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 Lariat Super Cab 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 XLT Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 XL Cabela Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 XLT Turbo Diesel 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 XLT Crew Cab 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 XL Super Cab Turbo Diesel 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 XL Crew Cab Harley Edition 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 XL Cabela Turbo Diesel 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 Lariat Super Cab 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 XL Turbo Diesel 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 XL Super Cab Harley Edition 4WD | $204 | $364 | $394 | $24 | $118 | $1,104 | $92 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 XL Harley Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $204 | $418 | $356 | $22 | $106 | $1,106 | $92 |
| F-250 Lariat Crew Cab 4WD | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| F-250 Cabela Crew Cab 4WD | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| F-250 XL Harley Turbo Diesel 4WD | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $204 | $474 | $356 | $22 | $106 | $1,162 | $97 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $224 | $418 | $394 | $24 | $118 | $1,178 | $98 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $224 | $418 | $394 | $24 | $118 | $1,178 | $98 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $224 | $418 | $394 | $24 | $118 | $1,178 | $98 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $224 | $418 | $394 | $24 | $118 | $1,178 | $98 |
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in garaging location in Mesa which can increase or decrease coverage prices greatly.
The diagram below illustrates how choosing a deductible and can change Ford F-250 premium costs for each age group. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Impact of careless driving on Mesa car insurance rates
The information below demonstrates how speeding tickets and at-fault fender-benders influence Ford F-250 auto insurance rates for different age groups. The premium estimates are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.
Full coverage versus liability-only in Mesa
The illustration below illustrates the comparison of Ford F-250 annual premium costs with full physical damage coverage compared to only buying liability only. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There isn’t a steadfast formula for phasing out comp and collision coverage, but there is a general convention. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Ford F-250 book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after paying your policy deductible. If premium cost is more than $700 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some cases where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Smart Buyers Can Reduce Insurance Rates
It’s important that you understand some of the elements that aid in calculating the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that can earn you better insurance rates.
Shown below are a partial list of the pieces insurance companies consider when setting premiums.
- Safer the car lower the rate – Safe vehicles get lower rates. Vehicles built for safety reduce the chance of injuries and lower injury rates means lower claim amounts and thus lower rates. If your Ford F-250 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
- Claim-free discounts can add up – If you frequently file small claims, don’t be surprised to see increased rates or even have your policy non-renewed. Car insurance companies in Arizona provide most affordable rates to insureds who are not frequent claim filers. Your car insurance is intended for claims that you cannot pay yourself.
- Big cities have higher rates – Living in areas with lower population may provide you with better prices if you are looking for the lowest rates. Less people living in that area means fewer accidents in addition to lower liability claims. City drivers tend to have more auto accidents and longer commute times. More time on the road can result in more accidents.
- Liability coverage preserves assets – Your policy’s liability coverage is the protection if ever you are determined to be liable for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
- If you don’t need it don’t buy it – Policies have additional extra coverages you can purchase on your F-250 policy. Things like coverage for rental cars, towing coverage, and membership fees are some examples. You may think they are a good idea when buying your policy, but if they’re wasting money remove them and pocket the money.
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Ford F-250 insurance claim data – Insurers take into consideration historical loss data for every vehicle to help determine costs. Vehicles that have increased claim numbers or amounts will be charged more to insure. The next table illustrates the historical insurance loss data for Ford F-250 vehicles.
For each type of coverage, the loss probability for all vehicles, as a total average, is represented as 100. Percentage values below 100 suggest a positive loss record, while percentage numbers above 100 point to more claims or tendency to have higher losses.
Auto Insurance Loss Data for Ford F-250 Models Specific Ford 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Do I need an insurance agent?
Many drivers would prefer to go talk to an agent and often times that is recommended Professional insurance agents can help you choose the best coverages and help in the event of a claim. A good thing about getting online price quotes is the fact that you can find cheap insurance rates and still have an agent to talk to. Putting coverage with local agencies is important especially in Mesa.
Upon completion of this short form, the coverage information is emailed to agents in your area who will give competitive quotes for your insurance coverage. There is no need to find an agent on your own because quoted prices will be sent instantly to you. If for some reason you want to get a rate quote from a specific company, you would need to go to their quote page to submit a rate quote request.
Finding a good provider requires more thought than just a cheap quote. Any agent in Mesa should be forthright in answering these questions:
- Do you need full coverage on every vehicle?
- Do they have designations such as AIC, CPCU, or CIC?
- Do they see any coverage gaps in your plan?
- Is the agent and/or agency licensed to do business in Arizona?
- Will a damage claim use OEM or aftermarket replacement parts?
- Can you get a list of referrals?
- How would your car be valued if totaled?
Ratings for Arizona auto insurance companies
Buying coverage from the highest-rated insurance company can be a challenge considering how many companies sell insurance in Mesa. The rank data below may help you choose which providers you want to consider comparing rates from.
Top 10 Mesa Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Mesa Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Quote more and you will save more
As you prepare to switch companies, do not buy less coverage just to save a little money. There are many occasions where someone dropped comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your focus should be to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.
Lower-priced auto insurance in Mesa is attainable on the web and also from your neighborhood Mesa agents, so you should compare both to have the best rate selection. A few companies may not provide internet price quotes and these small, regional companies provide coverage only through independent agents.
Helpful information
- State Car Insurance Guides (GEICO)
- How Much are Mesa Auto Insurance Rates for 16 Year Olds? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Rates for Lyft Drivers? (FAQ)
- What Insurance is Cheapest for Welfare Recipients in Mesa? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Real Estate Agents in Mesa? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- How to Avoid Common Accidents (State Farm)
- Collision Coverage (Liberty Mutual)