The recommended way to get the cheapest car insurance rates in Baltimore is to annually compare prices from providers that insure vehicles in Maryland.
First, try to comprehend how insurance companies determine prices and the things you can change to prevent expensive coverage. Many rating criteria that drive up the price such as your driving record and a poor credit score can be controlled by making minor changes in your lifestyle.
Second, request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes from multiple sources.
Third, compare the new rate quotes to your existing coverage to see if cheaper F-250 coverage is available. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
One tip to remember is to compare identical deductibles and limits on every quote and and to get price quotes from as many different companies as possible. Doing this helps ensure an accurate price comparison and plenty of rates choose from.
Unbelievable but true according to a study nearly 70% of drivers renewed their policy with the same company for more than four years, and roughly 40% of drivers have never even compared rates from other companies. Many consumers in Baltimore can save hundreds of dollars each year by just comparing quotes, but they don’t invest the time required to compare rate quotes.
If you have coverage now or need new coverage, take advantage of these tips to reduce premiums and still have adequate protection. Our objective in writing this article is to teach you the most effective ways to compare rates. Smart shoppers just need to understand the most time-saving way to quote multiple rates on the web.
How to find the cheapest Ford F-250 insurance in Baltimore, Maryland
The companies shown below provide free quotes in Baltimore, MD. In order to find the cheapest car insurance in Maryland, we recommend you visit as many as you can to get the best price comparison.
Ford F-250 insurance statistics and information
The data table shown next highlights estimates of insurance costs for Ford F-250 models. Having a better idea how insurance rates are established is important to be able to make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-250 XL 2WD | $250 | $490 | $556 | $32 | $166 | $1,494 | $125 |
| F-250 XL Cabela Package 2WD | $282 | $578 | $556 | $32 | $166 | $1,614 | $135 |
| F-250 XL Super Cab 2WD | $282 | $578 | $556 | $32 | $166 | $1,614 | $135 |
| F-250 XLT 2WD | $282 | $578 | $556 | $32 | $166 | $1,614 | $135 |
| F-250 XL 4WD | $282 | $490 | $614 | $36 | $184 | $1,606 | $134 |
| F-250 XLT Super Cab 2WD | $282 | $578 | $556 | $32 | $166 | $1,614 | $135 |
| F-250 XL Super Cab Cabela Package 2WD | $282 | $578 | $556 | $32 | $166 | $1,614 | $135 |
| F-250 XL Harley Edition 2WD | $282 | $578 | $556 | $32 | $166 | $1,614 | $135 |
| F-250 XL Crew Cab 2WD | $282 | $578 | $556 | $32 | $166 | $1,614 | $135 |
| F-250 XLT 4WD | $282 | $578 | $614 | $36 | $184 | $1,694 | $141 |
| F-250 XL Cabela Package 4WD | $282 | $578 | $614 | $36 | $184 | $1,694 | $141 |
| F-250 XL Crew Cab 4WD | $282 | $578 | $614 | $36 | $184 | $1,694 | $141 |
| F-250 XL Super Cab 4WD | $282 | $578 | $614 | $36 | $184 | $1,694 | $141 |
| F-250 XL Crew Cab Cabela Package 2WD | $282 | $666 | $556 | $32 | $166 | $1,702 | $142 |
| F-250 XL Super Cab Harley Edition 2WD | $282 | $666 | $556 | $32 | $166 | $1,702 | $142 |
| F-250 XL Turbo Diesel 2WD | $282 | $666 | $556 | $32 | $166 | $1,702 | $142 |
| F-250 King Ranch Crew Cab 2WD | $282 | $666 | $556 | $32 | $166 | $1,702 | $142 |
| F-250 XLT Crew Cab 2WD | $282 | $666 | $556 | $32 | $166 | $1,702 | $142 |
| F-250 XL Super Cab Cabela Package 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 XLT Super Cab 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 XL Harley Edition 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 King Ranch Crew Cab 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 Lariat Crew Cab 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 XL Super Cab Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 XL Crew Cab Harley Edition 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 XL Crew Cab Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 Lariat Super Cab 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 XL Super Cab Cabela Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 XLT Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 XL Cabela Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 XLT Turbo Diesel 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 XLT Crew Cab 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 XL Super Cab Turbo Diesel 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 XL Crew Cab Harley Edition 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 XL Cabela Turbo Diesel 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 XL Crew Cab Turbo Diesel 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 Lariat Super Cab 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 XL Turbo Diesel 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 XL Super Cab Harley Edition 4WD | $314 | $578 | $614 | $36 | $184 | $1,726 | $144 |
| F-250 XLT Super Cab Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 XL Harley Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 King Ranch Crew Cab Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 XL Super Cab Harley Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 XLT Crew Cab Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 XL Crew Cab Harley Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 XL Crew Cab Cabela Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 Lariat Super Cab Turbo Diesel 2WD | $314 | $666 | $556 | $32 | $166 | $1,734 | $145 |
| F-250 Lariat Crew Cab 4WD | $314 | $666 | $614 | $36 | $184 | $1,814 | $151 |
| F-250 King Ranch Crew Cab Turbo Diesel 4WD | $314 | $666 | $614 | $36 | $184 | $1,814 | $151 |
| F-250 XL Super Cab Cabela Turbo Diesel 4WD | $314 | $666 | $614 | $36 | $184 | $1,814 | $151 |
| F-250 XLT Super Cab Turbo Diesel 4WD | $314 | $666 | $614 | $36 | $184 | $1,814 | $151 |
| F-250 Cabela Crew Cab 4WD | $314 | $666 | $614 | $36 | $184 | $1,814 | $151 |
| F-250 XL Harley Turbo Diesel 4WD | $314 | $666 | $614 | $36 | $184 | $1,814 | $151 |
| F-250 XLT Crew Cab Turbo Diesel 4WD | $314 | $666 | $614 | $36 | $184 | $1,814 | $151 |
| F-250 Lariat Crew Cab Turbo Diesel 2WD | $314 | $752 | $556 | $32 | $166 | $1,820 | $152 |
| F-250 Lariat Crew Cab Turbo Diesel 4WD | $346 | $666 | $614 | $36 | $184 | $1,846 | $154 |
| F-250 XL Super Cab Harley Turbo Diesel 4WD | $346 | $666 | $614 | $36 | $184 | $1,846 | $154 |
| F-250 Lariat Super Cab Turbo Diesel 4WD | $346 | $666 | $614 | $36 | $184 | $1,846 | $154 |
| F-250 XL Crew Cab Harley Turbo Diesel 4WD | $346 | $666 | $614 | $36 | $184 | $1,846 | $154 |
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in zip code location which can affect prices substantially.
The diagram below shows how choosing a deductible and can impact Ford F-250 insurance costs for different insured age categories. The data assumes a married male driver, full physical damage coverage, and no discounts are factored in.
Rate comparison of full coverage and liability-only
The information below compares Ford F-250 insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no violations or claims, $100 deductibles, marital status is single, and no policy discounts are applied.
When to buy liability coverage only
There is no specific rule of when to phase out comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, 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 $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 a year for full coverage, then you may want to consider only buying liability coverage.
There are some situations where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Choosing F-250 insurance is an important decision
Despite the high cost of buying insurance for a Ford F-250 in Baltimore, insurance serves an important purpose.
- Just about all states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability coverage in order to get the vehicle licensed. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you took out a loan on your F-250, most lenders will force you to buy full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Ford for a lot more money and force you to reimburse them the higher price.
- Insurance protects not only your Ford F-250 but also your financial assets. It will also cover medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If you have damage to your Ford as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of having insurance are definitely more than the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is wasting up to $855 a year so it’s recommended you shop around at every renewal to be sure current rates are still competitive.
Seven Tips to Get Lower-cost Baltimore Insurance Rates
Lots of factors are used in the calculation when you get your auto insurance bill. Most are fairly basic such as your driving record, but other criteria are less obvious such as your credit history or your vehicle rating.
The factors shown below are just a few of the factors used by insurance companies to determine your prices.
- Liability coverage – The liability coverage on your policy will afford coverage if you are ruled to be at fault for damages caused by your negligence. This coverage provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
- Pleasure use or commuting – The more you drive in a year’s time the more you will pay for car insurance. A lot of insurance companies charge rates determined by how the vehicle is used. Cars used primarily for pleasure use cost less to insure than those that get driven frequently. Having the wrong rating on your F-250 is just wasting money. Make sure your policy is rated on the right rating data.
- Multiple policies with one company – Most major companies will give lower prices to insureds who have multiple policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount you still need to check prices from other companies to ensure the best deal.
- Getting married is a bonus – Getting married can get you a discount on your policy. It is viewed as being more stable financially it has been statistically shown that being married results in fewer claims.
- Raising comp and collision deductibles saves money – The deductibles you choose represent how much money the insured will be required to pay before a claim is paid by your company. Physical damage coverage, aka comp and collision, covers damage that occurs to your car. Some examples of covered claims would be rear-ending another vehicle, collision with a deer, and damage caused by road hazards. The more you have to pay, the less money you will pay for car insurance.
- Safer the car lower the rate – Cars with high safety ratings can get you lower premiums. Safe vehicles reduce occupant injuries and fewer serious injuries means less money paid by your insurance company passed on to you as lower rates. If your Ford F-250 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
- Always keep your car insurance policy in force – Not having insurance is a big no-no and car insurance companies will penalize you for letting your coverage cancel without a new policy in place. And not only will your rates increase, failure to provide proof of insurance could earn you a fine, jail time, or a revoked license.
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Ford F-250 claim data – Companies analyze past claim statistics when setting rates for each model. Vehicles that the data determines to have increased losses will have a higher cost to insure. The table shown below demonstrates the insurance loss data used by companies for Ford F-250 vehicles.
For each insurance policy coverage type, the claim amount for all vehicles, regardless of make or model, equals 100. Values below 100 are indicative of better than average losses, while percentages above 100 indicate more frequent losses or an increased chance of a larger loss.
Insurance Loss Ratings for Ford F-250 Vehicles 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: Insurance Institute for Highway Safety for 2013-2015 Model Years
There’s no such thing as the perfect insurance policy
When quoting and choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.
- What are good deductibles for a Ford F-250?
- Do I really need UM/UIM coverage?
- Do I need rental car coverage?
- Can I afford to pay high deductible claims out of pocket?
- Do I have newly-acquired coverage?
- How much can I save by bundling my policies?
- Is business property covered if stolen from my car?
- Which companies will insure high-risk drivers?
- Are there any extra discounts I can get?
If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.
A little work can save a LOT of money
Drivers who switch companies do it for a variety of reasons including extreme rates for teen drivers, delays in paying claims, high rates after DUI convictions or policy cancellation. Regardless of your reason, finding a new insurance company is not as difficult as it may seem.
Budget-conscious Ford F-250 insurance is available from both online companies and with local Baltimore insurance agents, and you need to price shop both to have the best rate selection. A few companies do not offer the ability to get quotes online and most of the time these regional carriers prefer to sell through local independent agencies.
While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an insured dropped uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.
To read more, feel free to visit the following helpful articles:
- A Tree Fell on Your Car: Now What? (Allstate)
- Who Has Cheap Auto Insurance Rates for 18 Year Olds in Baltimore? (FAQ)
- What Insurance is Cheapest for a Learners Permit in Baltimore? (FAQ)
- Who Has the Cheapest Baltimore Car Insurance Quotes for a Toyota Highlander? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Medical Payments Coverage (Liberty Mutual)
- Tread Depth and Tire Safety (State Farm)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)