It’s safe to assume that car insurance companies don’t want customers comparing rates. People who get price quotes annually will, in all likelihood, move their business because there is a good probability of finding a more affordable policy. A survey found that consumers who shopped around saved $3,400 over four years as compared to drivers who don’t regularly compare prices.
If finding the best price on auto insurance is your ultimate objective, then having a grasp of how to shop for coverages can help simplify the process.
The best way we recommend to find the cheapest price for auto insurance rates is to start doing an annual price comparison from providers in San Francisco.
First, take a few minutes and learn about how insurance companies determine prices and the things you can control to keep rates in check. Many rating criteria that increase rates such as traffic citations and a not-so-good credit rating can be controlled by making minor changes to your lifestyle.
Second, get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Allstate, while independent agents can provide rate quotes for many different companies.
Third, compare the new quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save money and switch companies, make sure there is no lapse in coverage.
Fourth, provide proper notification to your current company to cancel the current policy. Submit the required down payment along with the signed application to your new carrier. Once coverage is bound, store the proof of insurance paperwork in your vehicle’s glove compartment or console.
An important note is to compare the same deductibles and limits on every price quote and and to get rate quotes from every insurance company. This enables a level playing field and and a good selection of different prices.
Choosing the best insurance company for you in San Francisco is actually very simple if you learn how to start. If you currently have a car insurance policy, you will be able to save money using the ideas you’re about to read. But California drivers must know how big insurance companies determine what you pay because it can help you find the best coverage.
Low Cost Ford insurance prices in San Francisco
The following companies are our best choices to provide quotes in California. If more than one company is shown, we suggest you visit several of them in order to get a fair rate comparison.
Coverage statistics and figures
The rate table displayed below highlights a range of insurance costs for Ford F-250 models. Understanding more about how prices are figured can aid in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $294 | $592 | $564 | $34 | $168 | $1,652 | $138 |
| F-250 XL Cabela Package 2WD | $332 | $698 | $564 | $34 | $168 | $1,796 | $150 |
| F-250 XL Super Cab 2WD | $332 | $698 | $564 | $34 | $168 | $1,796 | $150 |
| F-250 XLT 2WD | $332 | $698 | $564 | $34 | $168 | $1,796 | $150 |
| F-250 XL 4WD | $332 | $592 | $624 | $36 | $186 | $1,770 | $148 |
| F-250 XLT Super Cab 2WD | $332 | $698 | $564 | $34 | $168 | $1,796 | $150 |
| F-250 XL Super Cab Cabela Package 2WD | $332 | $698 | $564 | $34 | $168 | $1,796 | $150 |
| F-250 XL Harley Edition 2WD | $332 | $698 | $564 | $34 | $168 | $1,796 | $150 |
| F-250 XL Crew Cab 2WD | $332 | $698 | $564 | $34 | $168 | $1,796 | $150 |
| F-250 XLT 4WD | $332 | $698 | $624 | $36 | $186 | $1,876 | $156 |
| F-250 XL Cabela Package 4WD | $332 | $698 | $624 | $36 | $186 | $1,876 | $156 |
| F-250 XL Crew Cab 4WD | $332 | $698 | $624 | $36 | $186 | $1,876 | $156 |
| F-250 XL Super Cab 4WD | $332 | $698 | $624 | $36 | $186 | $1,876 | $156 |
| F-250 XL Crew Cab Cabela Package 2WD | $332 | $804 | $564 | $34 | $168 | $1,902 | $159 |
| F-250 XL Super Cab Harley Edition 2WD | $332 | $804 | $564 | $34 | $168 | $1,902 | $159 |
| F-250 XL Turbo Diesel 2WD | $332 | $804 | $564 | $34 | $168 | $1,902 | $159 |
| F-250 King Ranch Crew Cab 2WD | $332 | $804 | $564 | $34 | $168 | $1,902 | $159 |
| F-250 XLT Crew Cab 2WD | $332 | $804 | $564 | $34 | $168 | $1,902 | $159 |
| F-250 XL Super Cab Cabela Package 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 XLT Super Cab 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 XL Harley Edition 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 King Ranch Crew Cab 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 Lariat Crew Cab 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 XL Super Cab Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 XL Crew Cab Harley Edition 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 Lariat Super Cab 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 XLT Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 XL Cabela Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 XLT Turbo Diesel 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 XLT Crew Cab 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 XL Super Cab Turbo Diesel 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 XL Crew Cab Harley Edition 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 XL Cabela Turbo Diesel 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 Lariat Super Cab 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 XL Turbo Diesel 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 XL Super Cab Harley Edition 4WD | $370 | $698 | $624 | $36 | $186 | $1,914 | $160 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 XL Harley Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| F-250 Lariat Crew Cab 4WD | $370 | $804 | $624 | $36 | $186 | $2,020 | $168 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $370 | $804 | $624 | $36 | $186 | $2,020 | $168 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $370 | $804 | $624 | $36 | $186 | $2,020 | $168 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $370 | $804 | $624 | $36 | $186 | $2,020 | $168 |
| F-250 Cabela Crew Cab 4WD | $370 | $804 | $624 | $36 | $186 | $2,020 | $168 |
| F-250 XL Harley Turbo Diesel 4WD | $370 | $804 | $624 | $36 | $186 | $2,020 | $168 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $370 | $804 | $624 | $36 | $186 | $2,020 | $168 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $370 | $910 | $564 | $34 | $168 | $2,046 | $171 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $406 | $804 | $624 | $36 | $186 | $2,056 | $171 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $406 | $804 | $624 | $36 | $186 | $2,056 | $171 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $406 | $804 | $624 | $36 | $186 | $2,056 | $171 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $406 | $804 | $624 | $36 | $186 | $2,056 | $171 |
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in specific San Francisco garaging location which can change rates significantly.
The information below demonstrates how deductible levels and can raise or lower Ford F-250 yearly insurance costs for different age groups. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Liability only or full coverage
The chart below visualizes the comparison of Ford F-250 yearly insurance costs with and without full coverage. The information is based on no claims or driving violations, $100 deductibles, drivers are not married, and no other discounts are factored in.
Guidelines for eliminating full coverage
There isn’t a steadfast formula that is best for determining when to drop full coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s assume your Ford F-250 replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after the policy deductible has been paid. If premiums are more than $600 annually for full coverage, then you might want to think about dropping full coverage.
There are some cases where removing full coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Cheaper San Francisco insurance quotes with discounts
Insurance is not cheap nor is it fun to buy but companies offer discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be specially asked for in order for you to get them.
- Telematics Discount – Drivers who elect to allow their insurance company to monitor their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as they are good drivers.
- ABS Braking Discount – Vehicles that have anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
- More Vehicles More Savings – Insuring multiple vehicles on the same insurance policy can get a discount on all vehicles.
- Bundled Policy Discount – If you have multiple policies with one company you could save up to 20% off your total F-250 insurance premium.
- Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
Remember that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, you aren’t that lucky.
The chart below illustrates the comparison of Ford F-250 car insurance rates with and without policy discounts. Data assumes a male driver, no claims or driving violations, California 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 claim-free, homeowner, multi-policy, multi-car, safe-driver, and marriage discounts applied.
A few companies that may include these money-saving discounts may include but are not limited to:
Check with every company to give you their best rates. Some of the discounts discussed earlier may not be offered everywhere.
Local San Francisco insurance agents and car insurance
A lot of people would prefer to get advice from a local agent. One of the benefits of comparing insurance prices online is that drivers can save money and get the best rates and also buy local.
After completing this quick form, the coverage information is sent to agents in your area who will return price quotes for your business. You won’t even need to search for an agent as quotes are delivered directly to you. You’ll get the best rates and work with a local agent. If you want to get a price quote from a specific company, you can always visit that company’s website and submit a quote form there.
Picking the best company is decision based upon more than just a cheap price quote. These are some questions your agent should answer.
- What insurance companies do they work with in San Francisco?
- How many years have they been established?
- Do you work with a CSR or direct with the agent?
- If independent agents, which companies do they recommend?
- Is the agency covered by Errors and Omissions coverage?
- Where would glass claims be handled in San Francisco?
- Is the agency involved in supporting local community causes?
- Are they properly licensed to sell insurance in California?
If you want to use a reputable agency, it helps to know the two different types of agencies and how they differ in how they can insure your vehicles. Agents in San Francisco are categorized either exclusive agents or independent agents.
Exclusive Agents
Agents in the exclusive channel can only write with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to compare rates from other companies so they really need to provide good service. They are usually well trained on sales techniques and that allows them to sell at a higher price point. Some people will only buy from the same agent for years partially due to high brand loyalty rather than having the cheapest rates.
The following is a short list of exclusive agencies in San Francisco who can help you get price quote information.
- Ron Burks – State Farm Insurance Agent
220 Montgomery St #480 – San Francisco, CA 94104 – (415) 397-2994 – View Map - Walter Li – State Farm Insurance Agent
1329 Chestnut St – San Francisco, CA 94123 – (415) 346-1000 – View Map - Linda Williams – State Farm Insurance Agent
1536 20th St – San Francisco, CA 94107 – (415) 648-1155 – View Map
Independent Car Insurance Agents
These agents do not write with just one company so they can quote policies with any number of different companies and get the cheapest rates. If premiums increase, they simply move the coverage in-house and that require little work on your part.
If you are comparing rate quotes, we highly recommend that you include price quotes from at least one independent agent to have the most options to choose from. Many independent agencies also insure through smaller mutual companies that can offer cheaper rates than bigger companies.
Listed below is a list of independent insurance agents in San Francisco that can give you rate quotes.
- Blum-Blackfield Insurance Agency
2 Twin Peaks Blvd – San Francisco, CA 94114 – (415) 665-1440 – View Map - Robert E. Kennedy Insurance Agency
Flood Building, 870 Market St #740 – San Francisco, CA 94102 – (415) 951-0738 – View Map - Steven Cresci Insurance Agency
544 Golden Gate Ave – San Francisco, CA 94102 – (415) 212-8190 – View Map
Cheap car insurance rates are out there
Some insurance providers may not provide price quotes online and usually these small insurance companies only sell coverage through independent agents. Discount Ford F-250 insurance can be found on the web as well as from independent agents in San Francisco, and you need to price shop both to have the best rate selection.
Insureds change insurance companies for any number of reasons including lack of trust in their agent, not issuing a premium refund, poor customer service and high prices. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.
We just showed you many ways to reduce Ford F-250 insurance rates online in San Francisco. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest rates come from some of the lesser-known companies.
More information is available at these links:
- Side Impact Crash Tests (iihs.org)
- Who Has the Cheapest Car Insurance Rates for a Toyota Tacoma in San Francisco? (FAQ)
- What Insurance is Cheapest for Young Drivers in San Francisco? (FAQ)
- How Much is Auto Insurance for First-time Drivers in San Francisco? (FAQ)
- Who Has Affordable San Francisco Auto Insurance for College Graduates? (FAQ)
- Who Has Affordable Car Insurance for Good Students in San Francisco? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Insuring a Leased Car (Insurance Information Institute)