If you want to save the most money, the best way to get discount car insurance rates in Dallas is to annually compare prices from providers in Texas.
- Try to learn about auto insurance and the measures you can control to prevent expensive coverage. Many policy risk factors that increase rates like speeding tickets, accidents and a bad credit rating can be remedied by being financially responsible and driving safely. Read the full article for more details to help prevent expensive coverage and get discounts that may be available to you.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can provide price quotes for a wide range of companies.
- Compare the new rate quotes to your existing policy and see if there is a cheaper rate. If you can save money and make a switch, ensure there is no coverage lapse between policies.
An essential thing to point out is to make sure you enter the same deductibles and limits on each quote and and to get rates from as many companies as you can. This ensures an accurate price comparison and the best price quote selection.
It’s an obvious conclusion that auto insurance companies don’t want their customers to go rate shopping. People who get comparison quotes at least once a year are likely to switch to a new company because of the good chance of finding a policy with more affordable rates. A study discovered that drivers who compared rates regularly saved approximately $865 a year compared to those who never compared other company’s rates.
If finding the cheapest rates on insurance is your intention, then having some knowledge of how to shop for coverages can save time and money.
If you already have coverage, you should be able to get lower rates using the following tips. The purpose of this article is to tell you the best methods to compare rates and how to save the most money. Nevertheless, Texas car owners do need to learn the way companies market insurance on the web and use it to your advantage.
To find the best car insurance quotes, there are several ways of comparing price quotes from many different Texas insurance companies. The recommended way to comparison shop is to jump online and get quotes.
Just remember that comparing more quotes will enable you to find more affordable insurance.
The companies shown below have been selected to offer price quotes in Dallas, TX. If multiple providers are shown, it’s highly recommended you get price quotes from several of them to get the best price comparison.
Ford F-250 insurance discounts in Dallas
Auto insurance is expensive, but you can get discounts to help offset the cost. Most are applied at the time you complete a quote, but once in a while a discount must be asked for before you will receive the discount.
- Telematics Devices – Drivers who elect to allow driving data collection to study driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.
- Discount for Passive Restraints – Options like air bags or motorized seat belts may qualify for discounts up to 30%.
- Accident Forgiveness Coverage – Not really a discount, but some companies like Allstate and Progressive may permit one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
- Theft Deterrent – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more on F-250 insurance in Dallas.
- Government Employee Discount – Employees or retirees of the government could provide a small rate reduction with some auto insurance companies.
- Resident Student – Children who attend college more than 100 miles from Dallas and do not have access to a covered vehicle can receive lower rates.
- Discount for Multiple Policies – When you combine your home and auto insurance with the same insurance company you will save at least 10 to 15 percent or more.
You should keep in mind that most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
The illustration below illustrates the comparison of Ford F-250 insurance costs with and without policy discounts. The rate quotes are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, multi-policy, and marriage discounts applied.
Larger auto insurance companies and a selection of discounts are shown below.
- GEICO includes discounts for emergency military deployment, multi-vehicle, good student, driver training, anti-lock brakes, and military active duty.
- Travelers offers discounts including hybrid/electric vehicle, continuous insurance, payment discounts, multi-policy, IntelliDrive, new car, and save driver.
- Farm Bureau offers premium reductions for driver training, multi-policy, multi-vehicle, 55 and retired, and renewal discount.
- Liberty Mutual offers discounts for good student, multi-car, hybrid vehicle, newly married, and preferred payment discount.
- American Family may have discounts that include good driver, Steer into Savings, TimeAway discount, early bird, defensive driver, and mySafetyValet.
- Progressive has savings for continuous coverage, online quote discount, online signing, good student, multi-vehicle, multi-policy, and homeowner.
If you are trying to find affordable Dallas car insurance quotes, ask all companies you are considering which credits you are entitled to. Savings may not be offered in your state.
Insurance data for a Ford F-250
The information below highlights estimates of coverage prices for Ford F-250 models. Being able to understand how auto insurance premiums are established can be useful when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $328 | $592 | $430 | $26 | $128 | $1,504 | $125 |
| F-250 XL Cabela Package 2WD | $370 | $698 | $430 | $26 | $128 | $1,652 | $138 |
| F-250 XL Super Cab 2WD | $370 | $698 | $430 | $26 | $128 | $1,652 | $138 |
| F-250 XLT 2WD | $370 | $698 | $430 | $26 | $128 | $1,652 | $138 |
| F-250 XL 4WD | $370 | $592 | $476 | $28 | $142 | $1,608 | $134 |
| F-250 XLT Super Cab 2WD | $370 | $698 | $430 | $26 | $128 | $1,652 | $138 |
| F-250 XL Super Cab Cabela Package 2WD | $370 | $698 | $430 | $26 | $128 | $1,652 | $138 |
| F-250 XL Harley Edition 2WD | $370 | $698 | $430 | $26 | $128 | $1,652 | $138 |
| F-250 XL Crew Cab 2WD | $370 | $698 | $430 | $26 | $128 | $1,652 | $138 |
| F-250 XLT 4WD | $370 | $698 | $476 | $28 | $142 | $1,714 | $143 |
| F-250 XL Cabela Package 4WD | $370 | $698 | $476 | $28 | $142 | $1,714 | $143 |
| F-250 XL Crew Cab 4WD | $370 | $698 | $476 | $28 | $142 | $1,714 | $143 |
| F-250 XL Super Cab 4WD | $370 | $698 | $476 | $28 | $142 | $1,714 | $143 |
| F-250 XL Crew Cab Cabela Package 2WD | $370 | $804 | $430 | $26 | $128 | $1,758 | $147 |
| F-250 XL Super Cab Harley Edition 2WD | $370 | $804 | $430 | $26 | $128 | $1,758 | $147 |
| F-250 XL Turbo Diesel 2WD | $370 | $804 | $430 | $26 | $128 | $1,758 | $147 |
| F-250 King Ranch Crew Cab 2WD | $370 | $804 | $430 | $26 | $128 | $1,758 | $147 |
| F-250 XLT Crew Cab 2WD | $370 | $804 | $430 | $26 | $128 | $1,758 | $147 |
| F-250 XL Super Cab Cabela Package 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 XLT Super Cab 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 XL Harley Edition 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 King Ranch Crew Cab 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 Lariat Crew Cab 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XL Super Cab Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XL Crew Cab Harley Edition 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 Lariat Super Cab 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XLT Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XL Cabela Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XLT Turbo Diesel 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 XLT Crew Cab 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 XL Super Cab Turbo Diesel 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 XL Crew Cab Harley Edition 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 XL Cabela Turbo Diesel 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 Lariat Super Cab 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 XL Turbo Diesel 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 XL Super Cab Harley Edition 4WD | $412 | $698 | $476 | $28 | $142 | $1,756 | $146 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XL Harley Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $412 | $804 | $430 | $26 | $128 | $1,800 | $150 |
| F-250 Lariat Crew Cab 4WD | $412 | $804 | $476 | $28 | $142 | $1,862 | $155 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $412 | $804 | $476 | $28 | $142 | $1,862 | $155 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $412 | $804 | $476 | $28 | $142 | $1,862 | $155 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $412 | $804 | $476 | $28 | $142 | $1,862 | $155 |
| F-250 Cabela Crew Cab 4WD | $412 | $804 | $476 | $28 | $142 | $1,862 | $155 |
| F-250 XL Harley Turbo Diesel 4WD | $412 | $804 | $476 | $28 | $142 | $1,862 | $155 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $412 | $804 | $476 | $28 | $142 | $1,862 | $155 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $412 | $908 | $430 | $26 | $128 | $1,904 | $159 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $454 | $804 | $476 | $28 | $142 | $1,904 | $159 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $454 | $804 | $476 | $28 | $142 | $1,904 | $159 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $454 | $804 | $476 | $28 | $142 | $1,904 | $159 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $454 | $804 | $476 | $28 | $142 | $1,904 | $159 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in your specific Dallas location which can increase or decrease premium rates noticeably.
Ford F-250 full coverage rates compared to liability only
The diagram below visualizes the comparison of Ford F-250 car insurance costs with liability coverage only compared to full coverage. The premium estimates are based on no violations or claims, $100 deductibles, drivers are not married, and no other discounts are factored in.
When to stop paying for full coverage
There is no specific rule of when to exclude physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Ford F-250 replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after paying your policy deductible. If it’s costing in excess of $400 annually for your policy with full coverage, then you might consider buying liability only.
There are some conditions where dropping full coverage is not financially feasible. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Can’t I compare rates from local Dallas insurance agents?
Some people would prefer to talk to a local agent and that is just fine! A nice benefit of comparing insurance online is you may find lower prices and still have an agent to talk to.
For easy comparison, once you complete this simple form, your insurance data gets sent to local insurance agents who can give free rate quotes for your coverage. You never need to search for an agent since rate quotes are delivered straight to your inbox. You can most likely find cheaper rates without a big time investment. If you have a need to get a rate quote from a specific company, feel free to jump over to their website and fill out the quote form the provide.
Picking the best insurer is decision based upon more than just a cheap price quote. Before buying a policy in Dallas, get answers to these questions.
- When do they do policy reviews?
- Will you get a loaner vehicle if you car is being repaired?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Is the agency involved in supporting local community causes?
- How long has their agency been open in Dallas?
If you want to buy insurance from a good Dallas insurance agent, you should know the types of insurance agents and how they work. Agents can be described as either independent (non-exclusive) or exclusive.
Exclusive Agents
Agents that elect to be exclusive generally can only insure with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to provide other company’s prices so you might not find the best rates. Exclusive agents are well schooled on their company’s products and that enables them to sell even at higher rates. Many people purchase coverage from exclusives partially due to the prominent brand name and the convenience of having all coverages with one company.
Below are Dallas exclusive insurance agencies that can give you price quote information.
- Jim Franco – State Farm Insurance Agent
3720 Walnut Hill Ln #203 – Dallas, TX 75229 – (214) 358-3246 – View Map - Brent Holtz – State Farm Insurance Agent
3427 E Trinity Mills Rd #601 – Dallas, TX 75287 – (972) 306-1234 – View Map - Marybel Castilleja – State Farm Insurance Agent
4444 W Jefferson Blvd Ste 620 – Dallas, TX 75211 – (214) 331-7680 – View Map
Independent Insurance Agents
Independent insurance agents do not write with just one company so they can write business through many different insurance companies and find the cheapest rate. If they find a lower price, they simply switch companies in-house and you don’t have to do anything. If you need cheaper insurance rates, it’s recommended you get quotes from at a minimum one independent agency in order to compare the most rates. Many can place coverage with additional companies that you may not be familiar with which may provide better rates.
Listed below are Dallas independent agencies that are able to give rate quotes.
- Harrison Insurance Agency
5001 Spring Valley Rd #400e – Dallas, TX 75244 – (972) 250-1776 – View Map - CJ Lingberg Insurance Agency
11884 Greenville Ave a101 – Dallas, TX 75243 – (972) 479-9911 – View Map - La Familia Auto Insurance
8702 Spring Valley Rd – Dallas, TX 75240 – (972) 586-7488 – View Map
Car insurance 101
Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Collision coverage – This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like sustaining damage from a pot hole, sideswiping another vehicle, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible on your F-250 to bring the cost down.
Coverage for medical payments – Med pay and PIP coverage kick in for bills such as surgery, doctor visits and ambulance fees. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Uninsured and underinsured coverage – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford F-250.
Since many Texas drivers only carry the minimum required liability limits (30/60/25), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
Auto liability – Liability insurance will cover damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 30/60/25 that translate to a $30,000 limit per person for injuries, $60,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability can pay for claims such as loss of income, attorney fees, legal defense fees, repair costs for stationary objects and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but you should consider buying more liability than the minimum.
The illustration below demonstrates why buying low liability limits may not be enough.
Comprehensive coverages – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as theft, fire damage and damage from flooding. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Lower rates by being persistent
When you buy Dallas car insurance online, do not sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability coverage limits only to regret that the savings was not a smart move. The ultimate goal is to buy enough coverage at a price you can afford but still have enough coverage for asset protection.
You just read a lot of ways to find lower-cost Ford F-250 insurance in Dallas. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest priced auto insurance comes from a smaller regional carrier.
Consumers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, poor customer service, being labeled a high risk driver and even delays in responding to claim requests. Regardless of your reason, finding a new company is pretty easy and you might even save some money in the process.
Additional resources
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Who Has the Cheapest Car Insurance for a School Permit in Dallas? (FAQ)
- Who Has Cheap Car Insurance Rates for Welfare Recipients in Dallas? (FAQ)
- Who Has the Cheapest Auto Insurance for College Students in Dallas? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Retired Military in Dallas? (FAQ)
- Information for Teen Drivers (GEICO)
- Electronic Stability Control FAQ (iihs.org)