Save on 2012 Ford F-150 Car Insurance Rates

Buying car insurance online may seem to be difficult if you are like the majority of consumers and have never used quote comparisons online. Don’t worry though because we’re going to show you how.

Compare car insurance rates

There are several ways to obtain and compare prices from car insurance companies in your area. One of the best ways to find competitive 2012 Ford F-150 insurance rates involves getting comparison quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

Experts agree that the best way to get quotes for comparison is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating boring form submissions for every car insurance company. Just one form gets insurance cost estimates from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.

Another way to compare rate quotes requires a visit to each company website and fill out a new quote form. For examples sake, we’ll pretend you want rates from Liberty Mutual, Safeco and Farmers. You would need to go to every website to enter the same coverage data repeatedly, and that explains why we recommend the first method.

To view a list of companies in your area, click here.

The most difficult way to get price estimates is actually driving to insurance agents’ offices. The ability to buy insurance online makes this unnecessary unless you prefer the trained advice of a licensed agent. It is possible to price shop online but purchase the actual policy in an agency.

Whichever method you choose, try to keep equivalent deductibles and coverage limits on every price quote you get. If the quotes have different values for each quote you will not be able to make a fair rate comparison. Just slight variations in limits can make a big difference in price. Just keep in mind that making a lot of price comparisons provides better odds of finding the best price. Not every company provides online rate quotes, so it’s important to also get quotes from those companies as well.

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The insurance bait and switch

Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. All the ads advertise the message that drivers can save some big amount just by moving your policy. How does every insurance company charge you less for car insurance? It’s all in the numbers.

Different companies have underwriting criteria for the type of customer they prefer to insure. An example of a profitable customer might have to be between 30 and 50, insures multiple vehicles, and has great credit. Someone that matches those criteria will get very good prices and will save some money.

Potential customers who cannot meet this ideal profile will get more expensive rates which leads to business going elsewhere. The trick is to say “customers that switch” but not “all drivers who get quotes” save that much. That’s why companies can make the claims of big savings. This really emphasizes why you need to get car insurance quotes as often as possible. You cannot predict which insurance company will give you the biggest savings.

Informed drivers save money

Part of the car insurance buying process is learning the factors that help calculate the price you pay for car insurance. If you have a feel for what influences your rates, this enables informed choices that could help you find lower premium levels. Lots of factors are used in the calculation when you get your auto insurance bill. Most are fairly basic like an MVR report, although some other factors are less apparent like your continuous coverage and annual miles driven.

• Raising comp and collision deductibles lowers rates – Deductibles for physical damage are the amount of money the insured will be required to pay if a claim is determined to be covered. Coverage for physical damage, also called ‘full coverage’, insures against damage to your car. Examples of covered claims are a windshield broken by a bird, collision with a deer, and having a roll-over accident. The more money the insured has to pay upfront, the bigger discount you will receive on F-150 coverage.
• Eliminate add-on coverages – There are a lot of additional extra coverages you can purchase when buying car insurance. Insurance for things like coverage for rental cars, high-cost glass coverage, and membership fees are probably not needed. The coverages may be enticing when discussing your needs, but now you might not need them so eliminate the coverages to reduce your premium.
• Deter car thieves – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft and help lower rates.
• Older drivers pay less – More experienced drivers tend to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets.Teenage drivers are statistically proven to be more careless when driving so they pay higher car insurance rates.
• Drivers with excellent credit save on car insurance – Having a good credit history will be a significant factor in calculating your car insurance rates. Therefore, if your credit is not that good, you could save money insuring your 2012 Ford F-150 if you clean up your credit. Insureds with high credit ratings tend to be better drivers and file fewer claims than drivers with bad credit.

Lower rate quotes with discounts

Some insurance providers don’t list every discount they offer in an easy-to-find place, so the below list has both the well known and the more hidden discounts that you can inquire about if you buy car insurance online.

• Accident Free – Insureds who avoid accidents and claims pay less in comparison with policyholders that have many claims.
• Senior Citizen Rates – Mature drivers may be able to get a discount up to 10% on F-150 coverage.
• Multiple Vehicles – Purchasing coverage when you have multiple cars with the same insurance coverage company may reduce the rate for each vehicle.
• Driver Training Discounts – Taking a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
• Own a Home and Save – Simply owning a home can help you save on insurance coverage because owning a home shows financial diligence.
• Discounts for Government Workers – Employees or retirees of the government may qualify for a discount when you quote car insurance on F-150 coverage depending on your insurance coverage provider.
• Low Mileage Discounts – Low mileage vehicles could be rewarded with substantially lower premium rates.
• One Accident Forgiven – This isn’t a discount exactly, but companies like Allstate, State Farm and Geico permit an accident without the usual rate increase as long as you don’t have any claims before the accident.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of 25 to 30%.
• Distant Student – who are enrolled in higher education away from home and do not have access to a covered vehicle could get you a discount.

Just know that some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, that’s just not realistic.

Some of the larger companies that may offer policyholders some of the above discounts may include but are not limited to:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

Check with each company or agent which discounts they offer. Depending on the company, some discounts may not be available in your state. To choose providers who offer online insurance coverage quotes, follow this link.

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What is the best insurance coverage?

When it comes to choosing the best insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

• Am I covered if I wreck a rental car?
• Why does it cost so much to insure a teen driver?
• What if I don’t agree with a claim settlement offer?
• Does my medical payments coverage pay my health insurance deductible?
• What is high-risk coverage and where do I buy it?
• How do I buy GAP insurance?
• Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Coverage specifics

Having a good grasp of insurance helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for doctor visits, chiropractic care, surgery, hospital visits and ambulance fees. They are used in conjunction with a health insurance program or if you are not covered by health insurance. 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 only offered in select states and may carry a deductible

Collision coverage protection

Collision insurance pays for damage to your F-150 resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, crashing into a building, hitting a parking meter, colliding with a tree and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, hitting a deer, hitting a bird, a broken windshield and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford F-150.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability coverages

This coverage can cover damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims like legal defense fees, court costs and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Smart consumers save more

In this article, we presented a lot of tips how to get a better price on 2012 Ford F-150 insurance. The key concept to understand is the more times you quote, the better your comparison will be. You may even find the best premium rates are with some of the lesser-known companies.

When you buy car insurance online, you should never buy less coverage just to save a little money. In too many instances, an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to get the best coverage possible for the lowest price while still protecting your assets.

Drivers who switch companies do it for a variety of reasons including policy non-renewal, high prices, denial of a claim or even delays in paying claims. It doesn’t matter what your reason, finding the right auto insurance provider is actually quite simple.

Additional information is located at these links:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)

Enter your zip code below to view companies that have cheap auto insurance rates.

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