2014 Ford F-150 Car Insurance Quotes – 7 Tricks for Cheaper Rates

Trying to find lower auto insurance rates for your Ford F-150? If you’re shopping for more affordable insurance online, are you overwhelmed by the number of auto insurance companies available to you? There are so many options that it can be a difficult challenge to compare rates.

Compare free auto insurance quotes

When shopping for low cost car insurance quotes, there are a couple of ways of comparing rate quotes from different insurance companies. One of the best ways to compare Ford F-150 insurance prices consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.

Probably the best way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do separate quote forms for each price estimate. Filling out one form compares rates direct from many companies. This is perfect if you don’t have a lot of time.

A more difficult way to find more affordable insurance requires a visit to each company’s website and fill out their own quote form. For instance, we’ll pretend you want to get rates from Allstate, 21st Century and GMAC. In order to compare rates, you need to visit each site and repeatedly enter your information, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just do your best to use the exact same coverage information for each comparison quote. If you use different data you will not be able to get a fair rate comparison. Quoting even small variations in coverage limits could mean much higher rates. And when comparing auto insurance rates, know that more quotes helps locate a lower rate than you’re paying now.

When should I discuss my situation with an agent?

When choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Where can I find high-risk insurance?
  • Why do I need rental car insurance?
  • Why am I required to buy liability insurance?
  • Am I covered if I crash into my own garage door?
  • Does having multiple vehicles earn me a discount?
  • How high should my uninsured/underinsured coverage be in my state?
  • Are my friends covered when driving my 2014 Ford F-150?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverages 101

Knowing the specifics of auto insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Ford F-150.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability

This protects you from damage or injury you incur to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like repair costs for stationary objects, court costs, attorney fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, hitting a deer, rock chips in glass, fire damage and vandalism. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like surgery, pain medications and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Auto collision coverage

Collision insurance will pay to fix damage to your F-150 caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, hitting a parking meter, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.