2015 Ford F-150 Insurance Cost – 8 Tips to Save

I really doubt anyone anticipates paying for insurance coverage, especially when they could find better prices if they shop around. You have so many car insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, more options can take longer to adequately compare rates.

Eight discounts for lower-cost insurance coverage rates

Insurance coverage is not an enjoyable expense, but there may be some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you may earn at least 10 to 15 percent or more.
  • Own a Home – Being a homeowner can save a few bucks because maintaining a house shows financial diligence.
  • Defensive Driver Discount – Successfully completing a defensive driving class can save you 5% or more and make you a better driver.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you can actually save on your bill.
  • Discounts for Multiple Vehicles – Having all your vehicles on a single policy can reduce rates for all insured vehicles.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on F-150 coverage but check with your company.
  • Mature Driver Discount – Seniors may receive lower premium rates on F-150 coverage.

Remember that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will reduce the cost of your policy.

To view insurance coverage companies that offer discounts, click here.

How to get free insurance coverage quotes online

Comparing insurance coverage rates can be exhausting if you don’t know the most efficient way. You could spend your day talking to local insurance agents in your area, or you could use online quoting to quickly compare rates.

Most of the larger companies belong to an insurance system that enables customers to submit their information once, and each participating company returns a competitive quote based on that data. This system prevents you from having to do quote requests to each individual insurance coverage company.

To get comparison pricing now click here to open in new window.

The one downside to getting quotes like this is that you can’t choose which carriers you want to price. So if you want to choose from a list of companies to receive pricing from, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare equivalent quote information with every price quote. If your comparisons have different liability limits it’s impossible to decipher which rate is best.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can help discover if you might need professional guidance.

  • What is the ISO rating for a 2015 Ford F-150?
  • Do all my vehicles need collision coverage?
  • How can I get high-risk coverage after a DUI?
  • Should I waive the damage coverage when renting a car?
  • Does having multiple vehicles earn me a discount?
  • What if I don’t agree with a claim settlement offer?
  • Are rental cars covered under my policy?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Auto insurance coverage breakdown

Learning about specific coverages of auto insurance helps when choosing the right coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. These are typical coverage types offered by auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like chiropractic care, doctor visits, pain medications, EMT expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for collisions

This pays for damage to your F-150 resulting from colliding 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 claims like rolling your car, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

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 should not be overlooked.

Comprehensive insurance

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

Comprehensive can pay for things like damage from flooding, theft, falling objects and hitting a deer. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like attorney fees, pain and suffering, emergency aid, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Get your money’s worth

We just covered a lot of techniques to compare 2015 Ford F-150 insurance premium rates online. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even find the best price on insurance is with a smaller regional carrier. They may only write in your state and offer lower prices than the large multi-state companies such as Allstate and Progressive.

When getting car insurance quotes online, never sacrifice coverage to reduce premiums. Too many times, someone sacrificed physical damage coverage only to discover later that it was a big error on their part. Your aim should be to get the best coverage possible for the lowest cost.

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