Do you need a better way to compare the cheapest Ford F-350 insurance in Lexington? If you are new to online price comparisons, you may be bewildered thanks to the incredible selection of auto insurance companies competing for your business.
It’s hard to believe, but most drivers in Kentucky renewed their policy with the same company for well over three years, and virtually 40% of consumers have never compared rates to find lower-cost insurance. Consumers in the U.S. could save 47% a year just by getting comparison quotes, but most tend to underestimate how much savings they would realize if they changed companies.
It’s a good habit to quote other rates on a regular basis because auto insurance prices trend upward over time. Even if you got the best deal on Ford F-350 insurance in Lexington six months ago you will most likely find a better premium rate today. Forget all the misinformation about auto insurance because we’re going to demonstrate the quickest way to reduce your cost while improving coverage.
The majority of larger companies like GEICO, State Farm and Progressive provide prices online. Doing online price comparisons for Ford F-350 insurance in Lexington is very simple as you just enter your required coverages as detailed in the form. After the form is submitted, their system automatically retrieves credit information and your driving record and gives you a price quote determined by many factors.
The ability to get online rate quotes for Ford F-350 insurance in Lexington streamlines rate comparisons, and it is imperative to compare as many rates as possible if you want to get cheap rates.
To get comparison pricing now, compare rates now from the companies shown below. If you have your current policy handy, we recommend you complete the form with the insurance coverages exactly as they are listed on your policy. This guarantees you’re receiving rate quotes for similar coverage.
The companies shown below provide free quotes in Lexington, KY. To find cheaper auto insurance in Lexington, it’s highly recommended you visit as many as you can in order to find the most competitive rates.
Rates and detailed analysis
The rate table displayed below covers detailed analysis of rate quotes for Ford F-350 models. Learning a little about how insurance quotes are calculated can be of help when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-350 XL Crew Cab 4WD | $152 | $308 | $514 | $30 | $154 | $1,158 | $97 |
| F-350 XL Super Cab 4WD | $152 | $308 | $514 | $30 | $154 | $1,158 | $97 |
| F-350 XL Super Cab 2WD | $168 | $262 | $342 | $20 | $102 | $894 | $75 |
| F-350 Super Cab Cabela Package 4WD | $168 | $308 | $514 | $30 | $154 | $1,174 | $98 |
| F-350 Super Cab Cabela Package 2WD | $168 | $308 | $342 | $20 | $102 | $940 | $78 |
| F-350 XL Crew Cab 2WD | $168 | $308 | $342 | $20 | $102 | $940 | $78 |
| F-350 Crew Cab Harley Edition 4WD | $168 | $308 | $514 | $30 | $154 | $1,174 | $98 |
| F-350 Super Cab Harley Edition 4WD | $168 | $308 | $514 | $30 | $154 | $1,174 | $98 |
| F-350 Crew Cab King Ranch 4WD | $168 | $308 | $514 | $30 | $154 | $1,174 | $98 |
| F-350 XLT Crew Cab 4WD | $168 | $308 | $514 | $30 | $154 | $1,174 | $98 |
| F-350 XL Super Cab Turbo Diesel 4WD | $168 | $308 | $514 | $30 | $154 | $1,174 | $98 |
| F-350 XLT Super Cab 4WD | $168 | $308 | $514 | $30 | $154 | $1,174 | $98 |
| F-350 XLT Super Cab 2WD | $168 | $308 | $342 | $20 | $102 | $940 | $78 |
| F-350 XL Crew Cab Cabela Package 2WD | $168 | $308 | $342 | $20 | $102 | $940 | $78 |
| F-350 XL Crew Cab King Ranch 2WD | $168 | $308 | $342 | $20 | $102 | $940 | $78 |
| F-350 Crew Cab Lariat 4WD | $168 | $356 | $514 | $30 | $154 | $1,222 | $102 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $168 | $356 | $514 | $30 | $154 | $1,222 | $102 |
| F-350 Crew Cab Cabela Package 4WD | $168 | $356 | $514 | $30 | $154 | $1,222 | $102 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $168 | $356 | $514 | $30 | $154 | $1,222 | $102 |
| F-350 Super Cab Lariat 4WD | $168 | $356 | $514 | $30 | $154 | $1,222 | $102 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $168 | $356 | $514 | $30 | $154 | $1,222 | $102 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $168 | $356 | $514 | $30 | $154 | $1,222 | $102 |
| F-350 Super Cab Lariat 2WD | $186 | $308 | $342 | $20 | $102 | $958 | $80 |
| F-350 XL Super Cab Turbo Diesel 2WD | $186 | $308 | $342 | $20 | $102 | $958 | $80 |
| F-350 Super Cab Harley Edition 2WD | $186 | $308 | $342 | $20 | $102 | $958 | $80 |
| F-350 XLT Crew Cab 2WD | $186 | $308 | $342 | $20 | $102 | $958 | $80 |
| F-350 XLT Crew Cab Lariat 2WD | $186 | $308 | $342 | $20 | $102 | $958 | $80 |
| F-350 XLT Crew Cab Harley Edition 2WD | $186 | $308 | $342 | $20 | $102 | $958 | $80 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $186 | $308 | $342 | $20 | $102 | $958 | $80 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $186 | $356 | $514 | $30 | $154 | $1,240 | $103 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $186 | $356 | $514 | $30 | $154 | $1,240 | $103 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $186 | $356 | $514 | $30 | $154 | $1,240 | $103 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $186 | $356 | $514 | $30 | $154 | $1,240 | $103 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $186 | $356 | $342 | $20 | $102 | $1,006 | $84 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $186 | $356 | $342 | $20 | $102 | $1,006 | $84 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $186 | $356 | $342 | $20 | $102 | $1,006 | $84 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $186 | $356 | $342 | $20 | $102 | $1,006 | $84 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $186 | $356 | $342 | $20 | $102 | $1,006 | $84 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $186 | $356 | $514 | $30 | $154 | $1,240 | $103 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $186 | $356 | $514 | $30 | $154 | $1,240 | $103 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $186 | $356 | $342 | $20 | $102 | $1,006 | $84 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $186 | $356 | $342 | $20 | $102 | $1,006 | $84 |
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Table data does not factor in specific location which can affect auto insurance rates substantially.
Driving violations and accidents
The diagram below demonstrates how speeding tickets and at-fault accidents drive up Ford F-350 premium costs for different categories of driver ages. The premiums assume a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
Ford F-350 full coverage rates compared to liability only
The diagram below shows the difference between Ford F-350 insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no accidents or driving violations, $250 deductibles, single status, and no other discounts are factored in.
When to stop buying full coverage
There is no definitive guideline that is best for determining when to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s say your Ford F-350 replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after you pay the deductible. If it’s costing you more than $700 a year for physical damage coverage, then you might consider buying liability only.
There are some scenarios where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Do I need an insurance agent?
A small number of people prefer to get professional advice from a licensed agent and that is OK! A good thing about comparing rate quotes online is that you can find lower rates and still buy from a local agent.
For easy comparison, once you complete this quick form, the coverage information is transmitted to participating agents in Lexington who can give free rate quotes for your business. You won’t even need to search for an agent because prices are sent to you directly. It’s the lowest rates without requiring a lot of work. If for some reason you want to compare prices for a specific company, just go to their quote page to submit a rate quote request.
Deciding on a insurer needs to be determined by more than just a low price. Before buying a policy in Lexington, get answers to these questions.
- What discounts might you be missing?
- Does the agent help file claims?
- Are they properly licensed to sell insurance in Kentucky?
- Will they take your side in the event of a claim?
- Will the agent or a CSR service your policy?
Not all car insurance agents are the same
If you want to use a local insurance agency, it’s helpful to know the different types of agencies that you can select. Agents in Lexington are considered either exclusive or independent (non-exclusive).
Exclusive Agents
These agents are contracted to one company like American Family, State Farm, and AAA. These agents are not able to compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are trained well on their company’s products which helps overcome the inability to quote other rates. Some insured continue to use the same exclusive agent partially due to the brand name and the convenience of having a single billing for all their coverages.
The following is a list of exclusive insurance agents in Lexington that are able to give rate quotes.
- David Lovejoy – State Farm Insurance Agent
125 Towne Center Dr #125 – Lexington, KY 40511 – (859) 266-2121 – View Map - State Farm: Mike Brownell
501 Darby Creek Rd – Lexington, KY 40509 – (859) 543-8454 – View Map - Bill Rea – State Farm Insurance Agent
138 E Reynolds Rd #102 – Lexington, KY 40517 – (859) 273-7373 – View Map
Independent Insurance Agents
These type of agents are not required to write business for one company so they can write business with many different companies and find you the best rates. If your agent finds better pricing, they simply switch companies in-house and the insured can keep the same agent.
When comparing insurance prices, you absolutely need to get insurance quotes from at a minimum one independent agency to get the most accurate price comparison. A lot of them also have access to less well-known companies which may have better rates.
Below is a list of independent agencies in Lexington that can give you price quote information.
- Greater Lexington Insurance Agency, Inc.
1066 Wellington Way – Lexington, KY 40513 – (859) 224-2477 – View Map - Carpenter-Warren Insurance Inc
271 W Short St # 304 – Lexington, KY 40507 – (859) 252-6691 – View Map - Kelly Wooten Insurance Agency
2331 Fortune Dr #175 – Lexington, KY 40509 – (859) 278-3487 – View Map