Consumers have lots of choices when looking for low-cost Ford F150 Pickup insurance. They can either spend hours calling around trying to get quotes or save time using the internet to compare rates. There is a better way to shop for car insurance so you’re going to learn the proper way to compare rates on a Ford and locate the lowest price from local insurance agents and online providers.
Finding the best rates is not that difficult. If you have car insurance now, you will be able to save some money using these methods. Drivers only need an understanding of the most efficient way to get comparison quotes online.
Lower rates by qualifying for these nine discounts
Companies do not advertise all their discounts in an easy-to-find place, so we took the time to find both well-publicized and the more hidden car insurance savings. If they aren’t giving you every credit available, you’re just leaving money on the table.
- Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
- Save with a New Car – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on F150 pickup coverage than less cautious drivers.
- Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
- Payment Discounts – By paying your policy upfront rather than paying monthly you can actually save on your bill.
- Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for better rates on cars that stay parked.
- No Accidents – Claim-free drivers pay less when compared to accident-prone drivers.
- Drivers Education – Require your teen driver to take driver’s ed class in high school.
- Homeowners Pay Less – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free car insurance policy, you’re out of luck.
To see a list of providers with discount car insurance rates, click here to view.
How to Get Car Insurance Comparison Quotes
There are multiple methods to compare car insurance quotes, but some are less time-consuming than others. You could waste a few hours talking to insurance agencies in your area, or you can utilize the internet to accomplish the same thing much quicker.
Many of the larger companies participate in a marketplace where prospective buyers submit one quote, and at least one company can provide price quotes for coverage. This prevents consumers from doing quote forms for every car insurance company.
To find out how much you’re overpaying now click here (opens in new window).
One minor caviat to using this type of system is that you can’t choose which insurance companies to receive prices from. So if you prefer to pick specific insurance companies for rate comparison, we have a listing of low cost car insurance companies in your area. Click to view list.
It’s your choice how you get your quotes, but compare the exact same coverages and limits for every company. If you compare different values for each quote it will be very difficult to make a fair comparison for your Ford F150 Pickup.
Car insurance is unique, just like you
When buying the best car insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.
These are some specific questions may help highlight whether your personal situation may require specific advice.
- Can I pay claims out-of-pocket if I buy high deductibles?
- Does coverage extend to a rental car in a foreign country?
- Should I buy additional glass protection?
- Do all my vehicles need collision coverage?
- Who is covered by my policy?
- How do I file an SR-22 for a DUI in my state?
- What are the financial responsibility laws in my state?
- Does my liability insurance cover pulling a trailer or camper?
- Are my tools covered if they get stolen from my vehicle?
- Is my custom paint covered by insurance?
If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
Coverages available on your policy
Understanding the coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as doctor visits, EMT expenses, X-ray expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as rock chips in glass, a tree branch falling on your vehicle, falling objects, damage from flooding and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Collision coverages – This covers damage to your F150 Pickup caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as sideswiping another vehicle, crashing into a building, hitting a mailbox, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford F150 Pickup.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Auto liability insurance – Liability coverage provides protection from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability can pay for claims such as structural damage, medical expenses, attorney fees, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.
The best insurance company isn’t always the cheapest
In this article, we presented quite a bit of information on how to reduce Ford F150 Pickup insurance prices online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the most savings is with some of the lesser-known companies.
While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. Too many times, someone dropped collision coverage only to find out they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.
Discount Ford F150 Pickup insurance can be purchased on the web and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.