1990 Ford F-150 Insurance Quotes – 5 Discounts for Cheaper Rates

Trying to find cheaper insurance for a new or used Ford F-150 can be an all-consuming task, but you can follow our insurance coverage buying tips to find lower rates. There is a right way and a wrong way to shop for insurance coverage and you need to know the absolute fastest way to quote coverages for your Ford and locate the cheapest rates.

It’s important to check insurance coverage prices once or twice a year due to the fact that insurance prices go up and down regularly. Just because you had the lowest rate for F-150 insurance at your last renewal you can probably find a better premium rate now. There is lot of inaccurate information about insurance coverage online but we’re going to give you some solid techniques on how to lower your insurance coverage premiums.

Ways to get insurance coverage rate quotes

Cutting your insurance coverage rates can be quick and easy. The only thing you need to do is take a couple of minutes to compare rate quotes from different insurance companies. It’s really simple and can be done in just a few minutes using one of these methods.

If you’re in a hurry, the quickest way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This easy form saves time by eliminating a different quote for each company. One quote request will return price quotes from many national carriers. It’s the fastest way to compare.

A slightly less efficient method to find lower rates requires visiting the website for each individual company and request a quote. For example, we’ll assume you are doing a rate comparison from State Farm, 21st Century and GMAC. To do that, you would have to take the time to go to each site to input your insurance information, which can get rather old.

For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just make darn sure you compare identical coverage data for every quote you compare. If you use different values for each quote it will be impossible to determine the lowest rate for your Ford F-150.

Insurance rates and discounts

Auto insurance companies don’t list every discount they offer very clearly, so the list below details a few of the more well known and the more hidden savings tricks you should be using when you buy car insurance online.

  • Theft Deterent – Vehicles equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
  • Accident Forgiveness Coverage – Not a discount per se, but a few companies such as GEICO, Allstate and Liberty Mutual will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free for a set time period.
  • College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and do not have a car could qualify for this discount.
  • Home Ownership Discount – Being a homeowner can save a few bucks since owning and maintaining a home requires personal responsibility.
  • Drivers Education – It’s a good idea to have your young drivers enroll in driver’s education in high school.

You can save money using discounts, but most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, insurance companies aren’t that generous.

Some companies that have these discounts include:

Before buying, ask each company to give you their best rates. Discounts may not be offered everywhere. To see companies that offer many of these discounts, click here.

Situations that may require an agent’s advice

When buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different.

For example, these questions may help highlight whether or not you will benefit from professional help.

  • What is the rate difference between pleasure use and commuting?
  • What happens if I owe more than my 1990 Ford F-150 is worth?
  • Am I getting all the discounts available?
  • How do I file an SR-22 for a DUI in my state?
  • What exactly is covered by my policy?
  • Why am I required to buy high-risk coverage?
  • Does medical payments coverage apply to all occupants?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance ads are enticing

Consumers can’t ignore all the ads that claim the lowest prices by companies like GEICO, State Farm and Progressive. All the companies advertise the message that drivers can save some big amount if you move your coverage.

How does every auto insurance company claim to save you money? You have to listen carefully.

Many companies give the cheapest rates for the type of customer that earns them a profit. For example, a desirable risk might be described as over the age of 45, has no prior claims, and insures a new vehicle. Any new insured who meets those qualifications gets the lowest premium rates and as a result will probably pay quite a bit less when switching companies.

People who fall short of this stringent profile may be forced to pay a higher premium with the end result being business going elsewhere. The trick companies use is to say “drivers that switch” not “everyone who quotes” can save as much as they claim. That’s the way insurance companies can lure you into getting a quote. Because of this risk profiling, you really should compare quotes as often as possible. Because you never know the company that will have the lowest prices for your situation.

Car insurance coverage information

Understanding the coverages of your insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision coverages – This will pay to fix damage to your F-150 caused by 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 claims like crashing into a building, rolling your car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford F-150.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability auto insurance – This will cover damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like repair costs for stationary objects, emergency aid, loss of income and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like X-ray expenses, doctor visits, prosthetic devices and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive auto coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, damage from flooding, damage from a tornado or hurricane, vandalism and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Save for a rainy day

You just learned a lot of techniques to lower your 1990 Ford F-150 insurance premium rates. The key thing to remember is the more times you quote, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with the least-expected company.

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, someone sacrificed uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at the best cost while still protecting your assets.

Cost effective 1990 Ford F-150 insurance is possible from both online companies and also from your neighborhood agents, so you need to shop car insurance with both in order to have the best chance of saving money. There are still a few companies who may not offer price quotes online and usually these small, regional companies provide coverage only through independent insurance agents.

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