1993 Ford F-150 Insurance Quotes

Paying for pricey Ford F-150 insurance can bottom out your funds and force you to make tough financial choices. Comparing cost estimates can help to make sure you’re not throwing money away.

Insurance companies such as GEICO, Farmers Insurance and State Farm all promote huge savings with ads and it is difficult to see through the deception and do the work needed to find the best deal.

Discount auto insurance rates

Companies don’t list the complete list of policy discounts in a way that’s easy to find, so the following list contains a few of the more common in addition to some of the lesser obvious auto insurance savings.

  • Accident Free – Claim-free drivers have much lower rates when compared to drivers who are more careless.
  • Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class in school.
  • Accident Waiver – Not necessarily a discount, but a handful of insurance companies will let one accident slide without raising rates if your claims history is clear for a specific time period.
  • Distant Student – Older children who live away from home to go to college and leave their car at home could get you a discount.
  • Seat Belts Save – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.

It’s important to note that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, it just doesn’t work that way.

A list of companies and their offered discounts are included below.

  • State Farm policyholders can earn discounts including anti-theft, multiple autos, passive restraint, Steer Clear safe driver discount, driver’s education, and good driver.
  • Progressive discounts include good student, multi-policy, homeowner, continuous coverage, online signing, multi-vehicle, and online quote discount.
  • Progressive includes discounts for good student, continuous coverage, online signing, homeowner, multi-policy, online quote discount, and multi-vehicle.
  • MetLife may include discounts for defensive driver, multi-policy, claim-free, good driver, accident-free, good student
  • Farm Bureau offers discounts including driver training, safe driver, renewal discount, multi-policy, and multi-vehicle.
  • GEICO offers premium reductions for military active duty, membership and employees, multi-vehicle, seat belt use, emergency military deployment, anti-theft, and five-year accident-free.
  • SAFECO has savings for anti-theft, homeowner, teen safety rewards, bundle discounts, drive less, and anti-lock brakes.

When quoting, ask every company how many discounts you can get. Some of the earlier mentioned discounts might not apply in your area.

How to buy car insurance online

When looking for inexpensive car insurance quotes, there are a couple ways to get quotes from different insurance companies. The simplest method to lower the rate you pay for 1993 Ford F-150 insurance is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

  1. One of the fastest ways to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do separate quotation requests for every prospective company. A single, simple form gets coverage cost estimates direct from many companies.
  2. Another way to analyze rates is spending the time to visit each company’s website and get a separate price quote. For instance, we’ll assume you want to see prices from Liberty Mutual, Farmers and Travelers. You would need to go to every website and enter your policy data, which is why first method is reommended.

    For a list of companies in your area, click here.

Which method you use is up to you, but make sure you use exactly the same quote information with each company. If you compare different deductibles it will be very difficult to determine which company has the best rates. Having just a slight variation in insurance coverages or limits can result in a big premium difference. Just remember that more quotes provides better odds of finding a lower rate than you’re paying now.

What affects Ford F-150 insurance premiums?

Many factors are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving history, although others are less apparent like where you live or how safe your car is.

The following are most of the major factors that factor into prices.

  • Drive less and save – Driving more miles in a year’s time the more it will cost to insure it. Almost all companies calculate rates based upon how the vehicle is primarily used. Vehicles that do not get driven very much receive lower rates than those used for commuting. Improper usage on your F-150 is just wasting money. It’s always a good idea to double check that your car insurance policy properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
  • Do safer cars cost less to insure? – Vehicles that have high safety ratings are cheaper to insure. Safe vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Ford F-150 has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Combine policies to earn discounts – Most larger insurance companies afford a discount for people who consolidate policies with them in the form of a multi-policy discount. Even with this discount, you may still want to compare other insurance prices to help ensure you have the lowest rates. It’s possible to still find lower rates by buying car insurance from a different company.
  • Liability insurance limits on your policy – A critical coverage on your policy, liability insurance provides coverage if a court rules you are at fault for an accident. Liability insurance provides for a legal defense which can cost a lot. Liability is cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Responsible credit equals lower premiums – Having a bad credit rating can be a huge factor in determining what you pay for car insurance. Drivers who have good credit tend to file fewer claims than those with lower ratings. Therefore, if your credit rating can be improved, you may save money insuring your 1993 Ford F-150 by repairing your credit.
  • Always keep your car insurance policy in force – Having a lapse in insurance coverage will be a guaranteed way to increase your rates. And not only will your rates increase, getting caught without coverage may result in fines and jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Tailor your insurance coverage to you

When it comes to choosing coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions could help you determine if you might need an agent’s assistance.

  • I have health insurance so do I need medical payments coverage?
  • What vehicles should carry emergency assistance coverage?
  • What are the financial responsibility laws in my state?
  • How much can I save by bundling my policies?
  • How does medical payments coverage work?
  • How many claims can I have before being cancelled?
  • If I drive on a suspended license am I covered?
  • What happens if I owe more than my 1993 Ford F-150 is worth?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Can you really save if you switch?

Big name companies like State Farm, Allstate and GEICO seem to constantly run television, radio, and online ads. All the companies say the same thing about how much you will save if you just switch your insurance coverage coverage to their company. That’s great but how can every company make almost identical claims? Just pay attention to how they say it.

Companies have underwriting criteria for the type of driver that is profitable for them. For example, a profitable customer could possibly be over the age of 35, has no prior claims, and drives less than 10,000 miles a year. Any person who matches those parameters gets the lowest rates and will probably save if they switch.

Potential insureds who fall outside these stringent criteria will be charged higher premiums and ends up with the customer not purchasing. The trick companies use is to say “people who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can make the claims of big savings. This emphasizes why you need to compare rate quotes every year. It’s not possible to predict the company that will have better car insurance rates than you’re paying now.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to other people or property. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, court costs, medical expenses, medical services and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Collision coverage

Collision coverage covers damage to your F-150 resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, backing into a parked car, hitting a parking meter and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as prosthetic devices, doctor visits, X-ray expenses and surgery. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Ford F-150.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, theft, falling objects and hail damage. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Buy Smart and Save

We just presented a lot of information how to get a better price on 1993 Ford F-150 insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as GEICO and State Farm.

Lower-priced 1993 Ford F-150 insurance can be sourced on the web as well as from independent agents, and you should be comparing both to have the best selection. Some insurance providers may not offer internet price quotes and most of the time these smaller providers provide coverage only through independent agents.

More resources