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Ford F-150 Insurance Rates

Buying car insurance through online rate quotes saves time, is easy to do, in addition you can save money. The key to finding lower rates is to get rates from all providers so you can compare all your choices.

Shopping online for car insurance can be complicated if you are a beginner to online quoting. But relax because it's actually quite easy. There are several ways of comparing rates from car insurance companies in your area. The fastest way to find the lowest Ford F-150 insurance quotes is to get quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a Ford F-150 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

  • Tickets increase premiums
  • Credit rating impacts rates
  • Where you live
  • Annual mileage can affect rates
  • Male rates may be higher
  • Higher deductibles save money
  • NTSB crash rating for your vehicle
  • Your occupation
  • The amount of protection requested
  • Owning a home can lower rates

An additional factor that helps determine Ford F-150 insurance rates is the year of the vehicle. Older models have a much lower replacement value than newer models so the costs to repair may end up costing you less. But newer vehicles may have safety features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which may provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Auto liability

This can cover injuries or damage you cause to a person or their property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as high a limit as you can afford.

Auto collision coverage

Collision insurance covers damage to your Ford 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. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.

How Much are Ford F-150 Insurance Rates?