View 1995 Ford F-150 Insurance Rates

Trying to find the cheapest car insurance rates for your Ford F-150? Are you irritated from sacrificing to keep your car insured? You’re in the same situation as many other people. With so many companies and agents to choose from, it can be hard to find the best car insurance provider.

How much is auto insurance?

There are a variety of methods to compare auto insurance quotes, but some are less time-consuming than others. You can spend countless hours driving to agents in your area, or you could save time and use the internet to get the quickest rates.

Most car insurance companies take part in a program that allows shoppers to only type in their quote data once, and at least one company provides a quote based on that data. This eliminates the need for quote requests for each company you want a rate for.

To use this form to compare rates click to open in new window.

One minor caviat to doing it this way is you cannot specify the insurers you want pricing from. If you would rather choose specific providers to receive pricing from, we put together a list of auto insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but ensure you’re using the exact same coverage limits and deductibles for each comparison quote. If you compare different data it will be very difficult to determine the lowest rate for your Ford F-150.

Don’t believe everything you hear

Consumers can’t avoid all the ads that claim the lowest premium rates by companies like GEICO, State Farm and Progressive. All the ads seem to make the promise that drivers can save some big amount if you move your coverage to them.

How is it possible that every company can cost less than your current company? It’s all in the wording.

Many companies quote the lowest rates for the driver they prefer to insure. For example, a driver they prefer might be between the ages of 40 and 55, has had continuous coverage, and drives a lower-performance vehicle. Anyone that matches those criteria will probably get cheap premium rates and will save a lot of money.

Potential customers who fall outside this stringent profile will get a higher rate and ends up with the customer not buying. The ads say “people who switch” but not “all drivers who get quotes” save that kind of money. This is how companies can truthfully make those claims. This emphasizes why it’s extremely important to get price quotes at each policy renewal. Because you cannot predict with any certainty which company will have the lowest premium rates for your situation.

Six factors that affect insurance premiums

It’s important that you understand the rating factors that play a part in calculating your premiums. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that could help you find lower rates. Many different elements are considered when you get a price on insurance. Some are obvious like an MVR report, but other factors are more obscure such as your marital status or your financial responsibility.

  • Prevent theft and save money – Driving a car with an alarm system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • Bad drivers pay high costs – A bad driving record has a big impact on rates. Only having one driving citation may cause rates to rise substantially. Drivers with clean records get better prices as compared to careless drivers. Drivers who get license-revoking citations like reckless driving, hit and run or driving under the influence may be required to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Lower rates with a multi-policy discount – Some insurers give a discount to insureds that buy multiple policies in the form of a multi-policy discount. This can amount to as much as ten percent or more Even if you qualify for this discount already, it’s still a good idea to get quotes from other companies to make sure you are getting the best deal.
  • Rental and towing coverage may not be needed – Insurance companies have many extra add-on coverages that you can get tricked into buying if you aren’t diligent. Coverages like personal injury protection, high-cost glass coverage, and membership fees are examples of these. You may think they are a good idea initially, but your money might be better spent on other coverage so remove them from your policy.
  • Pleasure use or commuting – The higher the miles on your Ford annually the more it will cost to insure it. A lot of companies rate vehicles based on their usage. Cars that are left in the garage receive better premium rates than those used for commuting. Ask your agent if your insurance coverage policy is showing the correct usage, because it can save money. Incorrect rating for your F-150 is just wasting money.
  • Save by driving cars with good safety ratings – Safe vehicles get lower rates. Vehicles engineered for safety have better occupant injury protection and lower rates of occupant injuries translates into savings for insurance companies and more competitive rates for policyholders. If the Ford F-150 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

Find discounts to get cheap insurance rates

Auto insurance companies don’t always publicize all their discounts very well, so the list below contains a few of the more common and also the more inconspicuous ways to save on insurance.

  • Multi-policy Discount – If you can combine your auto and homeowners policy with one company you may save over 10 percent off each policy depending on the company.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a small discount if you purchase a life insurance policy as well.
  • Service Members Pay Less – Being on active deployment in the military could qualify you for better prices.
  • New Vehicle Savings – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for newer models.
  • Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.
  • Good Driver Discounts – Safe drivers may receive a discount up to 45% for F-150 insurance compared to accident prone drivers.
  • Homeowners Savings – Owning a home can get you a discount because it is proof of financial responsibility.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts as much as 30%.

You should keep in mind that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, you won’t be that lucky. But any discount will help lower your premiums.

Auto insurance companies that may have these money-saving discounts may include but are not limited to:

Before buying, ask all the companies how you can save money. Some discounts might not be offered in your area.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique so this has to be addressed. For example, these questions may help you determine whether or not you could use an agent’s help.

  • Am I covered by my spouse’s policy after a separation?
  • When should my teen driver be added to my policy?
  • How high should deductibles be on a 1995 Ford F-150?
  • Can I make deliveries for my home business?
  • Do I need replacement cost coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • When should I remove comp and collision on my 1995 Ford F-150?
  • Am I covered when pulling a rental trailer?
  • What are the best liability limits?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Insurance policy coverages for a Ford F-150

Knowing the specifics of your insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like EMT expenses, pain medications and prosthetic devices. 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 not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage – Collision coverage covers damage to your F-150 caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, damaging your car on a curb, hitting a mailbox, rolling your car and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability – Liability insurance protects you from injuries or damage you cause to other’s property or people. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as bail bonds, repair costs for stationary objects, medical services, medical expenses and attorney fees. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverage – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, theft, fire damage and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Ford F-150.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Be a money saver!

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There are too many instances where someone sacrificed liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

We just showed you a lot of techniques to compare 1995 Ford F-150 insurance premium rates online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Additional car insurance information is available on the following sites: