Save on 1996 Ford F-150 Car Insurance Cost

Searching for cheaper auto insurance rates for your Ford F-150? Locating cheaper insurance for a Ford F-150 can turn out to be difficult, but you can learn the following methods to find lower rates. There are both good and bad ways to buy auto insurance so you’re going to learn the proper way to quote coverages on a Ford and get the cheapest rates either online or from local insurance agents.

Choosing the best insurance company for you is quite easy. If you have a policy now or need a new policy, you can use these techniques to reduce the price you pay and still get good coverage. Drivers just need to know the proper methods to find the lowest price on the web.

The best way to compare rate quotes is to know the trick car insurance companies allow for online access to compare their rates. To begin a comparison, all you need to do is provide information including marital status, coverage limits, the type of vehicles you drive, and types of safety features. Your rating data is sent automatically to many highly-rated insurers and they return quotes immediately.

To compare rates now, click here then complete the form.

Discounts to earn affordable car insurance rates

Car insurance is not cheap nor is it fun to buy but you may be missing some discounts to help offset the cost. A few discounts will be applied when you get a quote, but a few need to be specially asked for before you will receive the discount.

  • Military Deployment Discount – Being deployed in the military could mean lower car insurance rates.
  • Accident Forgiveness Coverage – Not a discount per se, but certain companies permit an accident before they charge you more for coverage as long as you don’t have any claims prior to being involved in the accident.
  • Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease on F-150 coverage with certain companies.
  • Drivers Ed for Students – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Mature Driver Discount – If you’re over the age of 55, you could receive a small decrease in premiums on F-150 coverage.
  • Renewal Discounts – A few companies give discounts for switching companies prior to the expiration date on your current policy. You could save around 10% when you buy car insurance online.

A little disclaimer on discounts, many deductions do not apply the the whole policy. The majority will only reduce specific coverage prices like comp or med pay. Despite the appearance that all the discounts add up to a free policy, car insurance companies aren’t that generous.

A list of companies and a summarized list of policyholder discounts include:

  • GEICO offers premium reductions for military active duty, federal employee, emergency military deployment, good student, multi-vehicle, daytime running lights, and air bags.
  • Mercury Insurance includes discounts for anti-theft, type of vehicle, accident-free, low natural disaster claims, ease of repair, and multi-car.
  • Farmers Insurance may have discounts that include distant student, good student, switch companies, business and professional, electronic funds transfer, and alternative fuel.
  • Auto-Owners Insurance has discounts for safe vehicle, company car, student away at school, anti-theft, and multiple vehicles.
  • Liberty Mutual offers discounts for new move discount, teen driver discount, good student, multi-car, safety features, and new graduate.
  • SAFECO may offer discounts for anti-theft, drive less, anti-lock brakes, teen safety rewards, and accident prevention training.
  • Progressive may include discounts for continuous coverage, multi-vehicle, online signing, multi-policy, and online quote discount.
  • USAA offers discounts including good student, family discount, vehicle storage, annual mileage, new vehicle, and defensive driver.

It’s a good idea to ask each company or agent the best way to save money. Some of the earlier mentioned discounts may not be offered everywhere. To choose providers that offer many of these discounts, click here.

Tailor your insurance coverage to you

When buying the best insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Am I covered by my spouse’s policy after a separation?
  • What is covered by UM/UIM coverage?
  • Do I have coverage when making deliveries for my home business?
  • Do I need replacement cost coverage on my 1996 Ford F-150?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How much liability coverage do I need in my state?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Learn about auto insurance coverages for a Ford F-150

Having a good grasp of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills for chiropractic care, dental work and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays for damage to your F-150 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-150.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability coverage

This coverage can cover damage that occurs to people or other property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as funeral expenses, emergency aid, structural damage, legal defense fees and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, damage from a tornado or hurricane, hail damage and hitting a deer. The maximum amount a auto 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 consider dropping full coverage.