Want to learn a better way to compare low-cost Ford F-250 insurance in Milwaukee? If shopping for Milwaukee car insurance quotes online is new to you, you may be bewildered by the diversity of insurance providers who claim to have the best insurance rates.
Statistics show that a large majority of consumers have bought insurance from the same company for well over three years, and just under half have never shopped around. Wisconsin drivers could save as much as 30% every year just by getting comparison quotes, but they assume it’s a waste of time to compare rate quotes online.
You need to compare premium rates at least once a year due to the fact that insurance prices tend to go up over time. Despite the fact that you may have had the best rate on Ford F-250 insurance in Milwaukee two years ago there may be better deals available now. You can find a lot of misleading information regarding F-250 insurance online but I’m going to show you some great ways to put money back in your pocket.
Companies offering Ford F-250 insurance in Wisconsin
The following companies are ready to provide price comparisons in Milwaukee, WI. If several companies are displayed, we recommend you visit several of them in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-250 XL 2WD||$138||$254||$250||$14||$74||$730||$61|
|F-250 XL Cabela Package 2WD||$192||$398||$338||$20||$102||$1,050||$88|
|F-250 XL Super Cab 2WD||$96||$188||$250||$14||$74||$622||$52|
|F-250 XLT 2WD||$106||$228||$294||$18||$88||$734||$61|
|F-250 XL 4WD||$192||$350||$324||$20||$98||$984||$82|
|F-250 XLT Super Cab 2WD||$140||$294||$294||$18||$88||$834||$70|
|F-250 XL Super Cab Cabela Package 2WD||$164||$284||$260||$16||$78||$802||$67|
|F-250 XL Harley Edition 2WD||$180||$350||$350||$20||$106||$1,006||$84|
|F-250 XL Crew Cab 2WD||$192||$412||$294||$18||$88||$1,004||$84|
|F-250 XLT 4WD||$216||$412||$294||$18||$88||$1,028||$86|
|F-250 XL Cabela Package 4WD||$216||$412||$294||$18||$88||$1,028||$86|
|F-250 XL Crew Cab 4WD||$192||$412||$302||$18||$90||$1,014||$85|
|F-250 XL Super Cab 4WD||$218||$484||$348||$20||$104||$1,174||$98|
|F-250 XL Crew Cab Cabela Package 2WD||$148||$302||$268||$16||$80||$814||$68|
|F-250 XL Super Cab Harley Edition 2WD||$142||$256||$340||$20||$102||$860||$72|
|F-250 XL Turbo Diesel 2WD||$216||$476||$266||$16||$80||$1,054||$88|
|F-250 King Ranch Crew Cab 2WD||$154||$338||$244||$14||$74||$824||$69|
|F-250 XLT Crew Cab 2WD||$216||$476||$266||$16||$80||$1,054||$88|
|F-250 XL Super Cab Cabela Package 4WD||$214||$398||$374||$22||$112||$1,120||$93|
|F-250 XLT Super Cab 4WD||$142||$242||$276||$16||$82||$758||$63|
|F-250 XL Harley Edition 4WD||$214||$412||$302||$18||$90||$1,036||$86|
|F-250 King Ranch Crew Cab 4WD||$248||$434||$388||$22||$116||$1,208||$101|
|F-250 Lariat Crew Cab 2WD||$244||$558||$314||$18||$94||$1,228||$102|
|F-250 XL Super Cab Turbo Diesel 2WD||$214||$500||$294||$18||$88||$1,114||$93|
|F-250 XL Crew Cab Harley Edition 2WD||$166||$302||$268||$16||$80||$832||$69|
|F-250 XL Crew Cab Turbo Diesel 2WD||$248||$500||$350||$20||$106||$1,224||$102|
|F-250 Lariat Super Cab 2WD||$174||$370||$338||$20||$102||$1,004||$84|
|F-250 XL Super Cab Cabela Turbo Diesel 2WD||$214||$476||$272||$16||$82||$1,060||$88|
|F-250 XLT Turbo Diesel 2WD||$138||$256||$260||$16||$78||$748||$62|
|F-250 XL Cabela Turbo Diesel 2WD||$172||$338||$244||$14||$74||$842||$70|
|F-250 XLT Turbo Diesel 4WD||$214||$398||$374||$22||$112||$1,120||$93|
|F-250 XLT Crew Cab 4WD||$214||$412||$302||$18||$90||$1,036||$86|
|F-250 XL Super Cab Turbo Diesel 4WD||$142||$242||$276||$16||$82||$758||$63|
|F-250 XL Crew Cab Harley Edition 4WD||$214||$412||$324||$20||$98||$1,068||$89|
|F-250 XL Cabela Turbo Diesel 4WD||$284||$422||$376||$22||$112||$1,216||$101|
|F-250 XL Crew Cab Turbo Diesel 4WD||$208||$284||$376||$22||$112||$1,002||$84|
|F-250 Lariat Super Cab 4WD||$182||$284||$288||$18||$86||$858||$72|
|F-250 XL Turbo Diesel 4WD||$132||$250||$374||$22||$112||$890||$74|
|F-250 XL Super Cab Harley Edition 4WD||$156||$294||$324||$20||$98||$892||$74|
|F-250 XLT Super Cab Turbo Diesel 2WD||$154||$314||$350||$20||$106||$944||$79|
|F-250 XL Harley Turbo Diesel 2WD||$156||$338||$294||$18||$88||$894||$75|
|F-250 King Ranch Crew Cab Turbo Diesel 2WD||$214||$458||$338||$20||$102||$1,132||$94|
|F-250 XL Super Cab Harley Turbo Diesel 2WD||$140||$272||$244||$14||$74||$744||$62|
|F-250 XLT Crew Cab Turbo Diesel 2WD||$176||$320||$266||$16||$80||$858||$72|
|F-250 XL Crew Cab Harley Turbo Diesel 2WD||$154||$314||$350||$20||$106||$944||$79|
|F-250 XL Crew Cab Cabela Turbo Diesel 2WD||$142||$278||$250||$14||$74||$758||$63|
|F-250 Lariat Super Cab Turbo Diesel 2WD||$176||$320||$266||$16||$80||$858||$72|
|F-250 Lariat Crew Cab 4WD||$178||$376||$348||$20||$104||$1,026||$86|
|F-250 King Ranch Crew Cab Turbo Diesel 4WD||$158||$256||$376||$22||$112||$924||$77|
|F-250 XL Super Cab Cabela Turbo Diesel 4WD||$174||$346||$276||$16||$82||$894||$75|
|F-250 XLT Super Cab Turbo Diesel 4WD||$216||$398||$294||$18||$88||$1,014||$85|
|F-250 Cabela Crew Cab 4WD||$118||$250||$324||$20||$98||$810||$68|
|F-250 XL Harley Turbo Diesel 4WD||$192||$418||$324||$20||$98||$1,052||$88|
|F-250 XLT Crew Cab Turbo Diesel 4WD||$242||$476||$294||$18||$88||$1,118||$93|
|F-250 Lariat Crew Cab Turbo Diesel 2WD||$108||$246||$250||$14||$74||$692||$58|
|F-250 Lariat Crew Cab Turbo Diesel 4WD||$242||$468||$348||$20||$104||$1,182||$99|
|F-250 XL Super Cab Harley Turbo Diesel 4WD||$118||$218||$276||$16||$82||$710||$59|
|F-250 Lariat Super Cab Turbo Diesel 4WD||$236||$476||$302||$18||$90||$1,122||$94|
|F-250 XL Crew Cab Harley Turbo Diesel 4WD||$172||$320||$324||$20||$98||$934||$78|
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in zip code location which can increase or decrease coverage rates considerably.
Ford F-250 insurance rates by gender
The information below shows the difference between Ford F-250 car insurance costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no additional discounts are factored in.
Milwaukee Insurance Premiums are Influenced by These Factors
The best way to find cheaper insurance is to take a look at some of the elements that go into determining insurance rates. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to lower premium levels.
Getting married is a good thing – Your spouse may save some money on your insurance bill. It means you’re more stable financially and insurance companies like that drivers who are married are more cautious.
Low comp and collision deductibles mean high premiums – Physical damage deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of some claims that would be covered would be colliding with a stationary object, hail damage, or theft of your vehicle. The larger the amount you have to pay, the better rate you will receive.
Prices go up with performance – The performance level of the car or truck you drive makes a significant difference in determining your rates. Due to the fact that the Ford F-250 is a pickup truck, insuring your vehicle will cost similar in price when compared to the average rates in Milwaukee. Lower performance four cylinder passenger vehicles generally receive the lowest base rates, but other factors influence the final cost greatly.
Younger drivers pay more – Inexperience drivers are statistically proven to be careless and easily distracted when at the wheel of a vehicle so insurance rates are higher. Adding a youthful driver onto your insurance can increase premiums substantially. Older people are viewed as being more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets.
Multiple policies with one company – Most larger companies provide lower prices to clients that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to get quotes from other companies to make sure you are getting the best deal.
The higher your credit score the lower your premiums – Your credit score is likely to be a major factor in determining what you pay. If your credit score could use some work, you could save money insuring your Ford F-250 by spending a little time repairing your credit. Insureds with good credit tend to be more responsible and file fewer claims than those with lower ratings.
Insurance losses for a Ford F-250 – Insurers use statistical claims data as a tool for profitable underwriting. Models that the statistics show to have higher number or severity of losses will have a higher cost to insure. The next table shows the collected loss data for Ford F-250 vehicles.
For each insurance policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is represented as 100. Numbers under 100 indicate a favorable loss history, while numbers above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.
Ford F-250 Insurance Loss Statistics
|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|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Affordable Milwaukee car insurance rates with discounts
Car insurance is not inexpensive, but there are discounts available that may help make it more affordable. Many discounts should be triggered when you quote, but some must be specifically requested before being credited.
- E-sign – A handful of companies may give you up to $50 simply for signing digitally online.
- No Charge for an Accident – Not necessarily a discount, but companies like Allstate and Progressive will let one accident slide before hitting you with a surcharge as long as you don’t have any claims for a specific time period.
- ABS Braking Discount – Cars with anti-lock braking systems are safer to drive and will save you 10% or more on F-250 insurance in Milwaukee.
- Military Discounts – Being on active duty in the military could mean lower prices.
- Discounts for Government Workers – Being employed by or retired from a federal job could cut as much as 10% off depending on your car insurance provider.
- Good Students Pay Less – This discount may save you up to 25%. Earning this discount can benefit you up until you turn 25.
- Good Drivers – Insureds without accidents can save as much as half off their rates than drivers with accident claims.
- Bundle and Save – When you combine your auto and home insurance with one company you could save up to 20% and get you low cost Ford F-250 insurance.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
As is typical with insurance, some credits don’t apply to the whole policy. Some only apply to individual premiums such as comp or med pay. Even though it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.
A few popular companies and a partial list of their discounts are included below.
- Progressive discounts include good student, online quote discount, multi-policy, online signing, homeowner, continuous coverage, and multi-vehicle.
- AAA offers discounts including anti-theft, education and occupation, multi-policy, good student, pay-in-full, and good driver.
- Farmers Insurance offers discounts for multi-car, homeowner, early shopping, youthful driver, alternative fuel, mature driver, and distant student.
- GEICO may offer discounts for driver training, daytime running lights, multi-policy, anti-theft, military active duty, five-year accident-free, and good student.
- Esurance offers premium reductions for anti-theft, renters, online shopper, anti-lock brakes, and multi-car.
- SAFECO includes discounts for bundle discounts, safe driver, anti-theft, accident prevention training, and drive less.
- State Farm has discounts for passive restraint, multiple policy, good driver, defensive driving training, Drive Safe & Save, and driver’s education.
Check with each insurance company which discounts they offer. Some of the discounts discussed earlier may not apply in Milwaukee. To view insurance companies who offer discounts in Wisconsin, click here to view.
Buying auto insurance from Milwaukee insurance agencies
Many drivers just prefer to get professional advice from a licensed agent and that is a smart decision A nice benefit of getting free rate quotes online is you can get the lowest rates and also buy local. Buying from small agencies is important especially in Milwaukee.
To find an agent, once you fill out this form (opens in new window), your coverage information is immediately sent to companies in Milwaukee who will gladly provide quotes for your coverage. You won’t need to visit any agencies since price quotes are sent to you directly. You can find the lowest rates without requiring a lot of work. If you wish to quote rates from a particular provider, you just need to go to their quote page and fill out their quote form.
Exclusive agents vs. Independent agents
If you want to use a good Milwaukee insurance agent, you should know the types of insurance agents and how they operate. Agents in Milwaukee can be classified as either exclusive agents or independent agents.
Agents of this type do not work for one specific company so they can write business with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and you won’t have to switch agencies. When comparing auto insurance prices, you need to check rates from multiple independent agents to get the best comparison. Most have the option of insuring with small regional insurance companies that can offer cheaper rates than bigger companies.
The following is a list of independent insurance agents in Milwaukee that may be able to give price quotes.
- Unisource Insurance Associates, LLC
10425 W North Ave #226 – Milwaukee, WI 53226 – (414) 774-7040 – View Map
- Reilly Insurance Services
3075 S Howell Ave – Milwaukee, WI 53207 – (414) 482-4461 – View Map
- Kirchen Insurance
2255 W Good Hope Rd – Milwaukee, WI 53209 – (414) 352-5750 – View Map
Exclusive agencies write business for a single company and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to compare rates from other companies so it’s a take it or leave it situation. Exclusive agents are usually well trained on their company’s products which helps offset the inability to provide other markets. Some insured continue to use the same exclusive agent partially due to the prominence of the brand rather than low price.
Shown below are exclusive agents in Milwaukee who can help you get price quote information.
- Karin Bojarski-Vella State Farm®
7919 N 76th St – Milwaukee, WI 53223 – (414) 355-1141 – View Map
- Progressive Insurance – Milwaukee Service Center
3442 S 103rd St – Milwaukee, WI 53227 – (414) 944-5200 – View Map
- Allstate Insurance: Cyndy Johnson
3801 W Fond Du Lac Ave – Milwaukee, WI 53216 – (414) 445-2558 – View Map
Finding the right auto insurance agent needs to be determined by more than just the price. These are some questions your agent should answer.
- Who is covered by the car insurance policy?
- How long has the business existed?
- Will their companies depreciate repairs to your car based on the mileage?
- How is replacement cost determined on your vehicle?
- Are claim adjusters local or do you have to take your car somewhere else?
- What kind of financial rating does the company have?
- Is the coverage adequate for your vehicle?
The most affordable rates come from being thorough
People switch companies for a number of reasons such as delays in responding to claim requests, policy cancellation, extreme rates for teen drivers or even denial of a claim. It doesn’t matter why you want to switch choosing a new company is actually quite simple.
We just covered some good ideas how to reduce Ford F-250 insurance prices online in Milwaukee. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the biggest savings come from a lesser-known regional company.
As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at the best cost and still be able to protect your assets.
Additional detailed information can be read in the articles below:
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Who Has Affordable Car Insurance Quotes for Teenagers in Milwaukee? (FAQ)
- Who Has Cheap Auto Insurance for a Nissan Altima in Milwaukee? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Honda Accord in Milwaukee? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Frontal Crash Tests (iihs.org)