View 2017 Ford F-150 Insurance Quotes

Searching for the cheapest auto insurance rates for your Ford F-150? Are you at wits end from paying out the nose to make your auto insurance payment? You are no different than many other consumers.

Since you have so many different company options, it can be impossible to locate the most affordable auto insurance company.

It is always a good idea to do rate comparisons at least once a year because prices change frequently. Despite the fact that you may have had the best deal on F-150 coverage a year ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to learn the quickest way to lower your rates without sacrificing coverage.

How insurance companies calculate Ford F-150 insurance costs

Many different elements are part of the calculation when pricing auto insurance. Some factors are common sense like your driving record, but other factors are not as apparent such as whether you are married and annual miles driven.Smart consumers have a good feel for the factors that come into play when calculating your car insurance rates. When consumers understand what influences your rates, this helps enable you to make changes that will entitle you to lower car insurance prices.

  • Premiums drop with age – Inexperience drivers are statistically shown to be more careless when behind the wheel therefore car insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, file fewer claims .
  • Urban residents pay more – Being located in small towns and rural areas has definite advantages when shopping for auto insurance. Drivers who live in large cities tend to have more road rage incidents and much longer commute distances. Less people living in that area translates into fewer accident claims and lower theft and vandalism rates.
  • Liability protection is critical – The liability section of your policy will provide protection when you are responsible for causing damage or personal injury in an accident. It provides you with a defense in court which can be incredibly expensive. It is affordable coverage compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Lower stress equals lower prices – Do you work in a high-stress field? Jobs like doctorspolice officers and financial analysts tend to pay higher premiums than the average policyholder due to job stress and lots of time spent at work. On the other hand, jobs like farmers, historians and performers have the lowest average rates on F-150 coverage.
  • If you don’t need it don’t buy it – Policies have extra coverages that can add up if you aren’t careful. Coverage for things like coverage for rental cars, accidental death, and extra equipment coverage could be just wasting money. The coverages may be enticing when you first buy your policy, but your needs may have changed so consider taking them off your policy.
  • Cheaper to insure gals? – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes get in at-fault accidents in similar numbers, but the male of the species have costlier accidents. Men also statistically get cited for more serious violations like DUI and reckless driving. Young men ages 16 to 20 are the most expensive to insure so it costs more to insure them.
  • Cheaper rates after marriage – Walking down the aisle may cut your premiums on your car insurance bill. Having a spouse means you’re more mature than a single person and insurance companies like that married drivers tend to have fewer serious accidents.

Save with these money-saving discounts

Auto insurance companies don’t list all possible discounts in an easy-to-find place, so the next list breaks down both well-publicized and the more hidden credits available to lower your premiums when you buy insurance online.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
  • Savings for New Vehicles – Buying a new car model can save you some money because new vehicles keep occupants safer.
  • Bundled Policy Discount – If you combine your home and auto policies and place coverage with the same company you could save as much as 10 to 15 percent.
  • Distant Student Discount – Older children who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if it’s offered in school.
  • E-sign – Some of the larger companies provide a small discount for buying your policy on their website.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Save over 55 – Drivers that qualify as senior citizens may receive a discount up to 10% on F-150 coverage.
  • Good Student – This discount could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive so you can save 10 percent or more.

Keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, companies don’t profit that way.

To see a list of companies that offer many of these discounts, click this link.

Do I need special coverages?

When buying proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining if your situation will benefit from professional help.

  • Is my state a no-fault state?
  • Does my 2017 Ford F-150 need full coverage?
  • Why does it cost so much to insure a teen driver?
  • Do I have coverage when making deliveries for my home business?
  • Is my trailer covered?
  • Am I covered if I break a side mirror?
  • Is my camper covered by my car insurance policy?
  • Why do I only qualify for high-risk insurance?
  • Are rental cars covered under my policy?
  • How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Coverages available on your insurance policy

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Auto liability insurance

This can cover damage that occurs to other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like emergency aid, structural damage, bail bonds, court costs and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills such as funeral costs, hospital visits, pain medications and ambulance fees. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage covers damage to your F-150 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, driving through your garage door, hitting a mailbox, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford F-150.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, damage from getting keyed, falling objects, hail damage and damage from a tornado or hurricane. The highest 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 it’s probably time to drop comprehensive insurance.

Knowledge is power

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced liability coverage limits and discovered at claim time that the savings was not a smart move. Your focus should be to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

Affordable 2017 Ford F-150 insurance is available on the web and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who may not have the ability to get a quote online and these regional carriers sell through independent insurance agencies.

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