1991 Ford F-150 Car Insurance Cost

No sane person likes paying for car insurance, especially when they know they could find better prices if they shop around.

Popular companies such as State Farm, Progressive and GEICO continually hit you with fancy advertisements and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.

It’s a good idea to quote other rates once or twice a year because car insurance prices change quite often. Just because you found the lowest quotes on F-150 insurance a year ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the quickest way to eliminate unnecessary coverages and save money.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Finding the best rates is not rocket science. Nevertheless, drivers must learn how the larger insurance companies sell online and apply this information to your search.

Ways to get insurance coverage rate quotes

Many insurance companies like State Farm, GEICO and Progressive allow you to get insurance quotes on the web. Doing online quotes doesn’t take a lot of time as you simply enter the coverage amounts you desire into a form. When complete, their system automatically orders your driving record and credit report and returns a price based on the information you submitted. Online price estimates helps simplify price comparisons, but the work required to visit a lot of sites and type in the same information is a big time waster. But it’s also necessary to compare as many rates as possible if you are searching for the best price possible.

Compare rates the easy way

The preferred way to find lower prices uses just one form that gets price quotes from more than one company. It saves time, reduces the work, and makes online price comparison much easier. Once the form is submitted, it is quoted with multiple companies and you can pick any or none of the quote results. If a lower price is quoted, you can click and sign and buy the policy. It just takes a couple of minutes and you will find out if you’re overpaying now.

To find out if lower rates are available, click here and begin entering your coverage information. If you have coverage now, it’s recommended you enter the coverages exactly as shown on your declarations page. Doing this guarantees you are getting a price comparison for similar coverage.

Different people need different auto insurance coverages

When it comes to choosing the right insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help highlight if your insurance needs will benefit from professional help.

• I have good health insurance, so how much medical payments coverage do I need?
• When should I not file a claim?
• Am I covered by my spouse’s policy after a separation?
• Does car insurance cover theft of personal property?
• When can my company non-renew my policy?
• Will my rates increase for filing one claim?
• Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverages

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford F-150.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability coverages

Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things such as repair costs for stationary objects, funeral expenses, medical expenses, medical services and structural damage. How much coverage you buy is a personal decision, but buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a bird and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

Collision insurance pays for damage to your F-150 resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, driving through your garage door, backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like funeral costs, prosthetic devices and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay