Find Affordable Ford F-250 Insurance in Stockton

Anyone knows that car insurance companies don’t want policyholders to compare prices from other companies. Consumers who shop rates annually are very likely to switch companies because there is a great chance of finding a lower-priced policy. A recent survey discovered that drivers who routinely shopped for cheaper coverage saved over $72 a month compared to drivers who never compared rates.

If finding the lowest rates on insurance is the reason for your visit, then learning about how to get rate quotes and compare cheaper coverage can make the process more efficient.

Insurance rates Ford F-250 in StocktonIf saving the most money is your goal, then the best way to find cheaper prices for Ford F-250 insurance in Stockton is to annually compare prices from different companies who sell auto insurance in California.

  1. Try to comprehend how insurance companies determine prices and the measures you can control to prevent expensive coverage. Many things that are responsible for high rates such as accidents, careless driving, and your credit history can be rectified by making minor changes to your lifestyle. Read the full article for additional ideas to help keep prices low and get additional discounts.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while agents who are independent can provide prices from many different companies.
  3. Compare the new rates to your existing policy to determine if you can save on F-250 insurance in Stockton. If you can save some money and make a switch, make sure coverage does not lapse between policies.

An important bit of advice to remember is to use the same deductibles and limits on every quote request and to quote with as many companies as possible. Doing this ensures the most accurate price comparison and the best price selection.

Locating the best coverage in Stockton is simple if you know the tricks. If you have a policy now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates without sacrificing coverage. Drivers just have to use the quickest method to compare prices from many different companies online.

Finding low cost Stockton car insurance quotes is surprisingly easy. The only requirement is to take time comparing price quotes to see which company has cheaper Stockton auto insurance quotes.

Getting free rate quotes online is quite simple, and it takes the place of having to drive to insurance agents’ offices. The ability to get quotes online can eliminate the need for a local agent unless you have a complicated situation and need the advice and guidance of a licensed agent. Although, it is possible comparison shop online but purchase the actual policy in an agency.

The companies in the list below can provide free rate quotes in Stockton, CA. If multiple companies are shown, we suggest you visit as many as you can in order to get a fair rate comparison.

Coverage information

The information displayed next showcases different prices for Ford F-250 models. Knowing how premiums are determined can help drivers make informed decisions when comparing rates.


Ford F-250 Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-250 XL 2WD $238 $454 $564 $34 $168 $1,458 $122
F-250 XL Cabela Package 2WD $270 $536 $564 $34 $168 $1,572 $131
F-250 XL Super Cab 2WD $270 $536 $564 $34 $168 $1,572 $131
F-250 XLT 2WD $270 $536 $564 $34 $168 $1,572 $131
F-250 XL 4WD $270 $454 $624 $36 $186 $1,570 $131
F-250 XLT Super Cab 2WD $270 $536 $564 $34 $168 $1,572 $131
F-250 XL Super Cab Cabela Package 2WD $270 $536 $564 $34 $168 $1,572 $131
F-250 XL Harley Edition 2WD $270 $536 $564 $34 $168 $1,572 $131
F-250 XL Crew Cab 2WD $270 $536 $564 $34 $168 $1,572 $131
F-250 XLT 4WD $270 $536 $624 $36 $186 $1,652 $138
F-250 XL Cabela Package 4WD $270 $536 $624 $36 $186 $1,652 $138
F-250 XL Crew Cab 4WD $270 $536 $624 $36 $186 $1,652 $138
F-250 XL Super Cab 4WD $270 $536 $624 $36 $186 $1,652 $138
F-250 XL Crew Cab Cabela Package 2WD $270 $616 $564 $34 $168 $1,652 $138
F-250 XL Super Cab Harley Edition 2WD $270 $616 $564 $34 $168 $1,652 $138
F-250 XL Turbo Diesel 2WD $270 $616 $564 $34 $168 $1,652 $138
F-250 King Ranch Crew Cab 2WD $270 $616 $564 $34 $168 $1,652 $138
F-250 XLT Crew Cab 2WD $270 $616 $564 $34 $168 $1,652 $138
F-250 XL Super Cab Cabela Package 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 XLT Super Cab 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 XL Harley Edition 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 King Ranch Crew Cab 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 Lariat Crew Cab 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 XL Super Cab Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 XL Crew Cab Harley Edition 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 XL Crew Cab Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 Lariat Super Cab 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 XL Super Cab Cabela Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 XLT Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 XL Cabela Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 XLT Turbo Diesel 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 XLT Crew Cab 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 XL Super Cab Turbo Diesel 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 XL Crew Cab Harley Edition 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 XL Cabela Turbo Diesel 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 XL Crew Cab Turbo Diesel 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 Lariat Super Cab 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 XL Turbo Diesel 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 XL Super Cab Harley Edition 4WD $300 $536 $624 $36 $186 $1,682 $140
F-250 XLT Super Cab Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 XL Harley Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 King Ranch Crew Cab Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 XL Super Cab Harley Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 XLT Crew Cab Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 XL Crew Cab Harley Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 XL Crew Cab Cabela Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 Lariat Super Cab Turbo Diesel 2WD $300 $616 $564 $34 $168 $1,682 $140
F-250 Lariat Crew Cab 4WD $300 $616 $624 $36 $186 $1,762 $147
F-250 King Ranch Crew Cab Turbo Diesel 4WD $300 $616 $624 $36 $186 $1,762 $147
F-250 XL Super Cab Cabela Turbo Diesel 4WD $300 $616 $624 $36 $186 $1,762 $147
F-250 XLT Super Cab Turbo Diesel 4WD $300 $616 $624 $36 $186 $1,762 $147
F-250 Cabela Crew Cab 4WD $300 $616 $624 $36 $186 $1,762 $147
F-250 XL Harley Turbo Diesel 4WD $300 $616 $624 $36 $186 $1,762 $147
F-250 XLT Crew Cab Turbo Diesel 4WD $300 $616 $624 $36 $186 $1,762 $147
F-250 Lariat Crew Cab Turbo Diesel 2WD $300 $698 $564 $34 $168 $1,764 $147
F-250 Lariat Crew Cab Turbo Diesel 4WD $330 $616 $624 $36 $186 $1,792 $149
F-250 XL Super Cab Harley Turbo Diesel 4WD $330 $616 $624 $36 $186 $1,792 $149
F-250 Lariat Super Cab Turbo Diesel 4WD $330 $616 $624 $36 $186 $1,792 $149
F-250 XL Crew Cab Harley Turbo Diesel 4WD $330 $616 $624 $36 $186 $1,792 $149
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Table data does not factor in specific garaging location which can impact insurance rates considerably.

The chart below highlights how deductible choice and can change Ford F-250 insurance costs for different age groups of insureds. The information is based on a married male driver, comp and collision included, and no discounts are applied.

Males versus Females

The information below illustrates the comparison of Ford F-250 auto insurance costs for male and female drivers. The costs are based on no violations or claims, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Companies offer money-saving discounts on Ford F-250 insurance in Stockton

Some companies don’t list every policy discount very well, so the list below details both the well known and also the lesser-known auto insurance savings.Cheaper auto insurance with discounts

Discounts save money, but please remember that many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works.

The example below shows the comparison of Ford F-250 car insurance costs with and without discounts applied. The premium estimates are based on a female driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, homeowner, safe-driver, and multi-policy discounts applied.

A few of the larger companies and a selection of discounts are detailed below.

Before buying, ask each company or agent which discounts they offer. Some credits may not apply to policyholders in Stockton. For a list of companies that have a full spectrum of discounts in Stockton, click here.

Three reasons to not skimp on auto insurance

Even though it can be expensive, insurance may be required and benefits you in several ways.

The benefits of carrying enough insurance more than offset the price you pay, specifically if you ever have a liability claim. Today the average American driver overpays more than $750 every year so smart consumers compare quotes at least once a year to be sure current rates are still competitive.

Ratings for California car insurance companies

Insuring your vehicle with the best car insurance company is difficult considering how many companies sell insurance in California. The information displayed below may help you analyze which auto insurance companies you want to consider when comparing rates.

Top 10 Stockton Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Top 10 Stockton Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Car insurance agents can help

Some people would prefer to buy from a licensed agent and that is a smart decision Insurance agents can help you build your policy and help submit paperwork. The best thing about comparing rate quotes online is you can get cheaper prices and still have an agent to talk to. Putting coverage with small agencies is especially important in Stockton.

Insurance agency in StocktonAfter filling out this form (opens in new window), your coverage information is immediately sent to local insurance agents in Stockton that give free quotes to get your business. There is no reason to visit any agencies because prices are sent to you directly. If you need to compare rates from a particular provider, you just need to go to their quote page and give them your coverage information.

Below are Stockton car insurance companies that can give you price quotes for Ford F-250 insurance in Stockton.


5250 Claremont Ave #138Stockton, CA 95207(209) 472-6080View Map


4545 Georgetown Pl Ste A1Stockton, CA 95207(209) 337-0241View Map


7743 West Ln, Ste C4Stockton, CA 95210(209) 476-8222View Map


1341 West Robinhood Drive, ste A-1Stockton, CA 95207(209) 898-0650View Map

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Deciding on a insurer should include more criteria than just a cheap price. These questions are important to ask:

Information about specific coverages

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages available from car insurance companies.

Liability car insurance

This protects you from injuries or damage you cause to people or other property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 15/30/5 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like court costs, legal defense fees, funeral expenses, loss of income and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible. California requires drivers to carry at least 15/30/5 but drivers should carry better liability coverage.

The chart below demonstrates why buying the state minimum limits may not provide you with enough coverage.

Collision protection

This will pay to fix damage to your F-250 from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible on your F-250 to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, hail damage, rock chips in glass and vandalism. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford F-250.

Because many people only carry the minimum required liability limits (15/30/5), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as pain medications, chiropractic care and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay