Cheap Insurance for a Ford F-250 in Honolulu

It’s a fact that car insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around for a cheaper policy are very likely to switch companies because of the high probability of finding a lower-priced company. A recent survey discovered that people who did price comparisons regularly saved over $850 each year compared to other drivers who never compared other company’s rates.

If saving money on insurance is your objective, knowing the best way to quote and compare coverages can make it easier for you to save money.

Discount Ford F-250 insuranceIf saving the most money is your goal, then the best way to find lower priced Ford F-250 insurance in Honolulu is to compare prices at least once a year from providers in Hawaii. Price quotes can be compared by following these guidelines.

  1. Take a few minutes and learn about coverages and the steps you can take to keep rates down. Many policy risk factors that cause rate increases such as distracted driving and a poor credit rating can be eliminated by making lifestyle changes or driving safer.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or State Farm, while independent agents can provide prices for many different companies.
  3. Compare the new rates to your existing rates to see if a cheaper rate is available. If you find a better price and buy the policy, ensure coverage does not lapse between policies.
  4. Provide notification to your current agent or company of your intent to cancel your existing policy. Submit the application along with any required down payment for the new policy. Immediately store the certificate of insurance in a readily accessible location in your vehicle.

The most important part of shopping around is to compare the same level of coverage on each price quote and and to get price quotes from all possible companies. Doing this guarantees a level playing field and a complete price analysis.

If you’re already insured or just want to save money, you can use these techniques to save money without sacrificing coverage. Comparison shopping for the best-priced policy in Honolulu is not as time-consuming as you think. Drivers just have to learn the best way to compare insurance rates instantly.

The car insurance companies shown below are our best choices to provide free quotes in Honolulu, HI. If multiple companies are listed, it’s a good idea that you get rates from several of them in order to find the most competitive rates.

Ford F-250 insurance analysis

The data table shown below highlights detailed analysis of insurance prices for Ford F-250 models. Learning a little about how auto insurance premiums are established is important to be able to make informed decisions when comparing rate quotes.

Ford F-250 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-250 XL 2WD $98 $184 $288 $16 $86 $672 $56
F-250 XL Cabela Package 2WD $112 $218 $288 $16 $86 $720 $60
F-250 XL Super Cab 2WD $112 $218 $288 $16 $86 $720 $60
F-250 XLT 2WD $112 $218 $288 $16 $86 $720 $60
F-250 XL 4WD $112 $184 $318 $18 $96 $728 $61
F-250 XLT Super Cab 2WD $112 $218 $288 $16 $86 $720 $60
F-250 XL Super Cab Cabela Package 2WD $112 $218 $288 $16 $86 $720 $60
F-250 XL Harley Edition 2WD $112 $218 $288 $16 $86 $720 $60
F-250 XL Crew Cab 2WD $112 $218 $288 $16 $86 $720 $60
F-250 XLT 4WD $112 $218 $318 $18 $96 $762 $64
F-250 XL Cabela Package 4WD $112 $218 $318 $18 $96 $762 $64
F-250 XL Crew Cab 4WD $112 $218 $318 $18 $96 $762 $64
F-250 XL Super Cab 4WD $112 $218 $318 $18 $96 $762 $64
F-250 XL Crew Cab Cabela Package 2WD $112 $250 $288 $16 $86 $752 $63
F-250 XL Super Cab Harley Edition 2WD $112 $250 $288 $16 $86 $752 $63
F-250 XL Turbo Diesel 2WD $112 $250 $288 $16 $86 $752 $63
F-250 King Ranch Crew Cab 2WD $112 $250 $288 $16 $86 $752 $63
F-250 XLT Crew Cab 2WD $112 $250 $288 $16 $86 $752 $63
F-250 XL Super Cab Cabela Package 4WD $124 $218 $318 $18 $96 $774 $65
F-250 XLT Super Cab 4WD $124 $218 $318 $18 $96 $774 $65
F-250 XL Harley Edition 4WD $124 $218 $318 $18 $96 $774 $65
F-250 King Ranch Crew Cab 4WD $124 $218 $318 $18 $96 $774 $65
F-250 Lariat Crew Cab 2WD $124 $250 $288 $16 $86 $764 $64
F-250 XL Super Cab Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 XL Crew Cab Harley Edition 2WD $124 $250 $288 $16 $86 $764 $64
F-250 XL Crew Cab Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 Lariat Super Cab 2WD $124 $250 $288 $16 $86 $764 $64
F-250 XL Super Cab Cabela Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 XLT Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 XL Cabela Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 XLT Turbo Diesel 4WD $124 $218 $318 $18 $96 $774 $65
F-250 XLT Crew Cab 4WD $124 $218 $318 $18 $96 $774 $65
F-250 XL Super Cab Turbo Diesel 4WD $124 $218 $318 $18 $96 $774 $65
F-250 XL Crew Cab Harley Edition 4WD $124 $218 $318 $18 $96 $774 $65
F-250 XL Cabela Turbo Diesel 4WD $124 $218 $318 $18 $96 $774 $65
F-250 XL Crew Cab Turbo Diesel 4WD $124 $218 $318 $18 $96 $774 $65
F-250 Lariat Super Cab 4WD $124 $218 $318 $18 $96 $774 $65
F-250 XL Turbo Diesel 4WD $124 $218 $318 $18 $96 $774 $65
F-250 XL Super Cab Harley Edition 4WD $124 $218 $318 $18 $96 $774 $65
F-250 XLT Super Cab Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 XL Harley Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 King Ranch Crew Cab Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 XL Super Cab Harley Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 XLT Crew Cab Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 XL Crew Cab Harley Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 XL Crew Cab Cabela Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 Lariat Super Cab Turbo Diesel 2WD $124 $250 $288 $16 $86 $764 $64
F-250 Lariat Crew Cab 4WD $124 $250 $318 $18 $96 $806 $67
F-250 King Ranch Crew Cab Turbo Diesel 4WD $124 $250 $318 $18 $96 $806 $67
F-250 XL Super Cab Cabela Turbo Diesel 4WD $124 $250 $318 $18 $96 $806 $67
F-250 XLT Super Cab Turbo Diesel 4WD $124 $250 $318 $18 $96 $806 $67
F-250 Cabela Crew Cab 4WD $124 $250 $318 $18 $96 $806 $67
F-250 XL Harley Turbo Diesel 4WD $124 $250 $318 $18 $96 $806 $67
F-250 XLT Crew Cab Turbo Diesel 4WD $124 $250 $318 $18 $96 $806 $67
F-250 Lariat Crew Cab Turbo Diesel 2WD $124 $282 $288 $16 $86 $796 $66
F-250 Lariat Crew Cab Turbo Diesel 4WD $136 $250 $318 $18 $96 $818 $68
F-250 XL Super Cab Harley Turbo Diesel 4WD $136 $250 $318 $18 $96 $818 $68
F-250 Lariat Super Cab Turbo Diesel 4WD $136 $250 $318 $18 $96 $818 $68
F-250 XL Crew Cab Harley Turbo Diesel 4WD $136 $250 $318 $18 $96 $818 $68
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium costs do not factor in zip code location which can raise or lower coverage prices considerably.

The chart below highlights how deductible selection and can raise or lower Ford F-250 insurance costs for different ages of insureds. Data assumes a married female driver, comp and collision included, and no other discounts are factored in.

Cost comparison with and without full coverage

The chart below visualizes the comparison of Ford F-250 car insurance rates when comparing full coverage to state minimum liability only. Data assumes a clean driving record, no claims, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There is no exact rule to exclude physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Ford F-250 claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If you are currently paying more than $700 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some cases where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Insurance is not optional in Hawaii

Even though it’s not necessarily cheap to insure a Ford in Honolulu, insurance is required in Hawaii but also provides important benefits.

The benefits of having insurance are definitely more than the cost, especially if you ever need it. But the average American driver overpays more than $865 each year so it’s recommended you shop around at every policy renewal to make sure the price is not too high.

Eight Tips to Get Cheap Honolulu Insurance Rates

An important part of buying insurance is that you know the different types of things that come into play when calculating your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you much lower annual insurance costs.

Does insurance cost less for women? – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean females are better at driving than males. Both genders tend to get into at-fault accidents in similar numbers, but guys have costlier accidents. Men also tend to get cited for more serious violations like DWI (DUI) or reckless driving.

The example below shows the difference between Ford F-250 insurance costs for male and female drivers. The price estimates are based on no accidents or driving violations, comp and collision included, $250 deductibles, single status, and no additional discounts are factored in.

Coverage deductibles are a factor – Insurance for physical damage to your car, also called ‘full coverage’, is used to repair damage to your Ford. Examples of some claims that would be covered are a windshield shattered by a rock, flood damage, and windstorm damage. Comprehensive and collision coverage deductibles represent how much money the insured will be required to pay in the event of a claim. The more of the claim you pay before a claim is paid (deductible), the better rate you will receive.

Lower rates come with age – Inexperience drivers are known to get distracted easily in a vehicle therefore car insurance rates are much higher. If you’ve ever had to add a beginning driver onto your car insurance can break the bank. Older insureds are shown to be more cautious, tend to cause fewer accidents, and tend to be get fewer driving tickets.

The following data is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.

Only buy coverage you need – There are quite a few additional extra coverages that can waste your money if you don’t pay attention. Insurance for coverage for rental cars, accident forgiveness, and term life insurance may be wasting your money. These may sound like a good investment when deciding what coverages you need, but if they’re wasting money consider taking them off your policy.

Cheaper premiums for prior coverage – Having a lapse in insurance coverage is a fast way to increase your renewal premiums. Not only will you pay higher rates, being ticketed for driving with no insurance could result in a fine, jail time, or a revoked license.

Premiums may be lower depending on your employer – Did you know your occupation can influence how much you pay for car insurance? Careers such as military personnel, architects, and accountants generally pay the highest rates because of stressful work requirements and long work hours. On the other hand, jobs such as actors, engineers and retirees have lower than average premiums.

Costs can change based on your address – Residing in a small town has definite advantages if you are looking for the lowest rates. Urban drivers have more road rage incidents and higher rates of accident claims. Less people living in that area means less chance of accidents and lower theft and vandalism rates.

Bad credit hurts insurance rates – A driver’s credit score is a big factor in your rate calculation. Insureds that have excellent credit scores tend to file fewer claims as compared to drivers with lower credit scores. So if your credit score is not that good, you may save money insuring your Ford F-250 by taking the time to improve your credit score.

Ford F-250 insurance loss data – Companies analyze historical claim data when setting premium rates. Vehicles that historically have higher losses will be charged more to insure.

The next table shows the historical insurance loss data for Ford F-250 vehicles. For each type of coverage, the loss probability for all vehicles, regardless of make or model, equals 100. Numbers that are below 100 suggest a positive loss record, while values that are above 100 indicate more frequent losses or an increased chance of larger losses than average.

Ford F-250 Insurance Loss Statistics
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

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Special considerations

When it comes to buying a policy for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.Insurance savings

These are some specific questions can help discover if your situation will benefit from professional help.

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Compare but don’t skimp

When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at the best possible price, but do not skimp to save money.

Consumers switch companies for many reasons like high rates after DUI convictions, poor customer service, policy cancellation and delays in paying claims. Regardless of your reason for switching companies, finding a new car insurance company is not as hard as you think.

We just showed you quite a bit of information on how to lower your Ford F-250 insurance premium rates in Honolulu. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest premium rates are with a company that doesn’t do a lot of advertising.

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