5 Tips Guaranteed to Slash the Cost of Ford F150 Pickup Auto Insurance Costs

Drivers have many options when trying to find low-cost Ford F150 Pickup insurance. You can either spend your time calling around trying to get quotes or utilize the internet to make rate comparisons. There is a better way to find auto insurance online and you need to know the proper way to compare rates for a new or used Ford and obtain the lowest possible price from local insurance agents and online providers.

It’s important to take a look at other company’s rates at least once a year because rates tend to go up over time. If you had the lowest rates on F150 pickup insurance a year ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to find out how to quote online to buy cheaper auto insurance.

Auto Insurance Prices

There are multiple methods to compare auto insurance quotes, but one way is less labor-intensive and much quicker. You can spend your afternoon talking to local insurance agents in your area, or you can utilize online quoting to get rates in a matter of minutes.

Many insurance companies participate in a marketplace that allows shoppers to send in one quote, and each participating company can give them a price. This prevents consumers from doing quote requests to each company.

To find out how much you can save on auto insurance click to open in new window.

One minor caviat to pricing coverage this way is you can’t choose the insurers to get quotes from. So if you prefer to pick from a list of companies to compare prices, we have a listing of auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you use the exact same coverages and limits for each comparison quote. If your comparisons have different liability limits it’s not possible to determine the lowest rate for your Ford F150 Pickup. Quoting even small variations in insurance coverages may result in large price differences. And when comparing auto insurance rates, know that having more price comparisons helps locate the best offered rates.

Be sure to get all your discounts

Companies offering auto insurance don’t necessarily list all their discounts very well, so the following is a list of some of the best known and the harder-to-find auto insurance savings.

  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiring. It can save you around 10%.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared with frequent claim filers.

Consumers should know that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of providers offering auto insurance discounts, click this link.

Online quotes with a local insurance agent

Some consumers would prefer to talk to a local agent and that is OK! One of the great benefits of price shopping on the web is that you can obtain the best rates but also keep your business local.

To make it easy to find an agent, after completing this simple form, your coverage information gets sent to local insurance agents who will return price quotes to get your business. You won’t need to leave your computer since price quotes are sent straight to your inbox. How cool is that?! You’ll get the best rates and a licensed agent to work with. insurance cheap

Deciding on an insurance company needs to be determined by more than just the price. Agents should be asked these questions:

  • What is the agency’s Better Business Bureau rating?
  • Do they review policy coverages at every renewal?
  • Will your rates increase after a single accident?
  • Do they receive special compensation for putting your coverage with one company over another?
  • What insurance companies do they work with?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Who are their largest clients?

If you prefer to select a specific agent in your state, visit this page.

Upon receiving positive responses to all your questions and an affordable coverage quote, you have narrowed it down to an provider that is a good match to adequately provide auto insurance.

Auto insurance policy specifics

Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, falling objects and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability – Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims like structural damage, medical services, attorney fees and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

cheap insurance for F150 Pickup

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like EMT expenses, pain medications, nursing services, rehabilitation expenses and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, colliding with a tree, colliding with another moving vehicle, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

In conclusion

You just read many tips how you can shop for Ford F150 Pickup insurance online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with some of the lesser-known companies.

People switch companies for a variety of reasons including delays in responding to claim requests, unfair underwriting practices, being labeled a high risk driver and poor customer service. It doesn’t matter what your reason, choosing a new insurance company is less work than it seems.

Cheaper Ford F150 Pickup insurance is available on the web as well as from independent agents in your state, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.