View 1997 Ford F-150 Insurance Cost

I doubt anyone rejoices having to buy car insurance, especially when they could find better rates elsewhere. Multiple insurers compete for your business, so it can be very hard to choose a insurer and get the definite lowest cost out there.

It’s important to quote other rates yearly because prices are constantly changing. Even if you think you had the best rates on F-150 insurance a year ago you may be paying too much now. There is a lot of bad advice regarding car insurance online but in this article, you’re going to get some good information on how to stop overpaying for insurance.

If you have a current car insurance policy or need a new policy, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Consumers just need to learn the proper way to compare rates on the web.

How insurance providers determine Ford F-150 insurance costs

Lots of factors are considered when you get your auto insurance bill. Some factors are common sense such as your driving history, but others are not as apparent such as your marital status and annual miles driven.

  • Your address can push rates up or down – Having an address in less populated areas may provide you with better prices when talking about car insurance. Less people means fewer accidents in addition to fewer liability claims. Residents of big cities have more traffic problems and longer commutes to work. Higher commute times translates into higher accident risk.
  • Experienced drivers pay less – Teenage drivers are statistically proven to get distracted easily with other occupants in the car so car insurance rates are higher. Parents adding a teenage driver to your car insurance policy can increase premiums substantially. Older, more experienced drivers have been proven to be more responsible, are lower risk to insure .
  • Poor credit decisions can cost you – Having a bad credit score can be an important factor in your rate calculation. People with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit. If your credit is low, you could potentially save money when insuring your 1997 Ford F-150 if you improve your credit rating.
  • Pay more of a claim out-of-pocket – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some instances where coverage would apply could be running into the backend of another car, hitting a deer, and windstorm damage. The deductibles you choose define the amount you are willing to pay if the claim is covered. The larger the amount the insured is willing to pay, the lower your rates will be on F-150 insurance.
  • lapses raise premiums – Going without insurance is a quick way to pay more for car insurance. Not only will you pay more, not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Lower stress equals lower prices – Jobs such as military generalsairline pilots and dentists are shown to have higher average rates attributed to high stress levels and extremely grueling work hours. On the other hand, jobs such as farmers, students and homemakers pay lower than average rates on F-150 insurance.

Which car insurance is cheapest?

Lowering your 1997 Ford F-150 car insurance rates is an easy way to save money. Drivers just need to take a few minutes comparing rate quotes to find the company with affordable auto insurance quotes. You can get a good selection of rate quotes in several different ways.

Without a doubt, the easiest way to get quotes is a comparison rater form click here to open form in new window. This type of form eliminates the need for separate quotes for each company. One quote request gets you price quotes from multiple low-cost companies.

A harder way to compare prices requires a trip to the website for each individual company to complete their respective quote request forms. For examples sake, we’ll pretend you want comparison quotes from Liberty Mutual, Allstate and Travelers. You would have to take the time to go to each site to enter the same coverage data repeatedly, which can get rather old.

For a list of links to insurance companies in your area, click here.

The last way to comparison shop rate quotes is calling or driving to local insurance agencies. Buying insurance online eliminates the middleman unless you prefer the guidance that can only be provided by a licensed insurance agent. You can, however, comparison shop your insurance online but have your policy serviced through an agent.

You can choose any of those ways to find more affodable coverage, but make sure you are using the exact same coverage information with each company. If you compare differing limits it will be next to impossible to determine the lowest rate for your Ford F-150.

Advertising and insurance

Drivers can’t get away from all the ads that claim the cheapest car insurance rates from the likes of 21st Century, Allstate and State Farm. They all seem to say the same thing that you’ll save big if you move your insurance coverage to their company.

It sounds good, but how can they all lower your car insurance rates? Here is the trick they use.

Insurance providers have an ideal profile for the type of customer that is profitable for them. An example of a preferred risk should be over the age of 35, has a clean driving record, and insures a new vehicle. A customer who matches those parameters receive the lowest rate quotes and will probably pay quite a bit less when switching companies.

People who fall short of these criteria will be quoted a more expensive rate which results in the prospect going elsewhere. The wording the ads use say “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s why companies can make claims that they all have the best car insurance rates. This illustrates why drivers should compare as many free auto insurance quotes as you can. Because without a comparison, you cannot know with any certainty which company will provide the lowest rates.

Use discounts to get cheaper insurance rates

Some insurance providers don’t necessarily list every policy discount in an easy-to-find place, so the list below contains some of the best known and the more hidden credits that may apply to you.

  • Multiple Vehicles – Buying coverage for more than one vehicle with the same company qualifies for this discount.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction on F-150 insurance with select insurance companies.
  • Waiver for an Accident – This one is not really a discount per se, but certain companies permit an accident before hitting you with a surcharge if you have no claims for a specific time period.
  • Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems help deter theft and will qualify for a discount on a auto insurance quote.
  • Good Students Pay Less – This discount may save you up to 25%. The discount lasts up until you turn 25.
  • Driver’s Ed – Have your child complete a driver education course as it can save substantially.
  • College Student Discount – Kids who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.
  • Renewal Discounts – Select companies give a discount for signing up prior to your current policy expiration. This can save 10% or more.

While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you’re out of luck. But any discount will cut your insurance premiums.

Large insurance companies and a partial list of their discounts are shown below.

  • GEICO policyholders can earn discounts including emergency military deployment, five-year accident-free, military active duty, anti-theft, defensive driver, and membership and employees.
  • Auto-Owners Insurance may have discounts that include air bags, multi-policy, student away at school, safe driver, teen driver, safe vehicle, and group or association.
  • American Family offers discounts including Steer into Savings, accident-free, TimeAway discount, multi-vehicle, early bird, and mySafetyValet.
  • Esurance has discounts for DriveSense, online shopper, multi-car, good driver, anti-lock brakes, and claim free.
  • Progressive offers premium reductions for online quote discount, multi-policy, homeowner, multi-vehicle, online signing, and good student.
  • State Farm may include discounts for student away at school, anti-theft, good student, accident-free, Steer Clear safe driver discount, defensive driving training, and Drive Safe & Save.
  • AAA may offer discounts for pay-in-full, anti-theft, multi-car, good student, multi-policy, good driver, and education and occupation.

When getting a coverage quote, ask each company which credits you are entitled to. Some discounts listed above may not apply to policyholders in your state.

Tailor your car insurance coverage to you

When buying coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Is business equipment covered while in my vehicle?
  • Is my teenager covered with friends in the car?
  • When do I need to add a new car to my policy?
  • Do all my vehicles need collision coverage?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my trailer covered?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

Insurance coverages explained

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like nursing services, EMT expenses and pain medications. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your F-150 resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, rolling your car, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability auto insurance

This will cover damage that occurs to a person or their property. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like legal defense fees, emergency aid, medical expenses, loss of income and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1997 Ford F-150.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, a broken windshield, fire damage and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage on a shoestring budget

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced collision coverage and learned later that they should have had better coverage. The proper strategy is to buy enough coverage at the best possible price while not skimping on critical coverages.

We covered quite a bit of information on how to compare 1997 Ford F-150 insurance rates online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your car insurance rates. You may even find the most savings is with the smaller companies. Smaller companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Progressive and GEICO.

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