2009 Ford F-150 Insurance Rates – 9 Tips for Cheapest Quotes

Finding the cheapest insurance for a new or used Ford F-150 can normally be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to find auto insurance online and we’ll show you the quickest way to price shop coverage for a new or used Ford and locate the cheapest rates.

It’s smart to compare premium rates before your next renewal since insurance prices are constantly changing. Just because you had the best rate on F-150 insurance six months ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the quickest way to find the best coverage while lowering your premiums.

Finding affordable coverage is not that difficult. If you have a current car insurance policy or are shopping for new coverage, you can use this information to reduce the price you pay while maximizing coverage. Vehicle owners just need to know the most effective way to compare company rates online.

Quote auto insurance online

Performing a rate comparison can take time and effort if you don’t understand the most efficient way to do it. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting for quick rates.

Most major companies participate in an industry program that enables customers to enter their policy data once, and each participating company can give them a price based on that data. This eliminates the need for quote requests to each company.

To compare rates using this form now click here to open in new window.

The one downside to doing it this way is that you can’t choose the insurers you will receive quotes from. If you prefer to choose individual companies to compare prices, we have assembled a list of auto insurance companies in your area. View list of insurance companies.

However you get your quotes, make sure you compare equivalent coverage data for every company. If each company quotes different liability limits you will not be able to truly determine the lowest rate.

Do you qualify for these nine discounts?

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts to help bring down the price. Some discounts will apply at quote time, but occassionally some discounts must be asked about prior to getting the savings. If you check and find you aren’t receiving every discount you deserve, you are throwing money away.

  • Sign Early and Save – Some larger companies provide a discount for switching to them before your current policy expires. You can save around 10% with this discount.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and qualify for as much as a 10% discount.
  • Cautious Driver Discount – Safe drivers may save up to 50% more on F-150 insurance than drivers with accident claims.
  • Discount for Life Insurance – Larger companies have a lower premium rate if you buy a life policy as well.
  • Defensive Driver Discounts – Participating in a defensive driving course could earn you a small percentage discount and make you a better driver.
  • Discounts for Multiple Vehicles – Buying a policy with multiple cars or trucks with the same auto insurance company may reduce the rate for each vehicle.
  • Paperless Signup – Some of the larger companies will give a small break simply for signing digitally online.
  • Smart Student Discounts – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.

It’s important to understand that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. Even though it appears you can get free auto insurance, auto insurance companies aren’t that generous.

To locate insurance companies with discount auto insurance rates, follow this link.

Don’t assume everyone needs the same car insurance coverage

When choosing the best car insurance coverage, there really is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Are rental cars covered under my policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Who is covered when they drive my 2009 Ford F-150?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t ignore all the ads that promise big savings for switching from companies such as State Farm, Allstate and GEICO. All the companies say the same thing about how much you will save if you get a free car insurance quote and switch your auto insurance policy to them.

It sounds good, but how can they all offer you a better deal? It’s all in how they say it.

All companies have a certain “appetite” for the type of customer that is profitable for them. A good example of this type of risk profile may need to be over age 30, is a homeowner, and has a short commute. A customer getting a price quote who matches that profile may get the lowest premium rates and have a good chance to save some money.

Potential insureds who do not meet these stringent criteria may receive more expensive rates with the end result being business going elsewhere. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” save that kind of money. That’s the way insurance companies can confidently lure you into getting a quote.

This illustrates why you need to compare many company’s prices. It’s just not possible to know the company that will have the best premium rates.

Auto insurance coverage information

Learning about specific coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability insurance

This protects you from damage that occurs to other’s property or people in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as court costs, repair costs for stationary objects, pain and suffering, bail bonds and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, a tree branch falling on your vehicle, hail damage and fire damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, damaging your car on a curb, crashing into a building, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Final considerations

In this article, we presented many ideas to shop for 2009 Ford F-150 insurance online. The most important thing to understand is the more price quotes you have, the better likelihood of getting low cost car insurance. Consumers may even find the best premium rates are with some of the lesser-known companies.

Lower-priced 2009 Ford F-150 insurance can be purchased on the web in addition to many insurance agents, so you need to shop car insurance with both so you have a total pricing picture. There are still a few companies who may not offer rates over the internet and usually these smaller companies only sell through independent insurance agents.

Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, denial of a claim, unfair underwriting practices or even an unsatisfactory settlement offer. Whatever your reason, switching auto insurance companies is actually quite simple.

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