1996 Ford F-150 Insurance Rates – 10 Savings Tips

Purchasing lower priced auto insurance is intimidating for people new to comparing prices online. With so many options of online companies available, how can you have time to compare every one to find the lowest rates?

Finding affordable coverage is not rocket science. Basically, anyone who is required by state law to have auto insurance stands a good chance to be able to save money. Although car owners must comprehend the way insurance companies sell online and take advantage of how the system works.

Find hidden discounts to get affordable car insurance quotes

Some insurance providers don’t always advertise every discount in a way that’s easy to find, so below is a list some of the more common and also the lesser-known credits that you can use to lower your rates.

  • Bundle and Save – When you have multiple policies with one company you could save 10% to 20% off each policy.
  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
  • Active Military Service – Being deployed with a military unit may qualify for rate reductions.
  • Resident Student – College-age children who are attending college and do not take a car to college may qualify for this discount.
  • E-sign Discounts – Some of the larger companies will provide an incentive for buying your policy over the internet.
  • Early Renewal Discounts – Some larger companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Driver’s Education for Students – Have your child complete a driver education course in school or through a local driver safety program.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.

Please keep in mind that most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, that’s just not realistic.

Companies and a summarized list of policyholder discounts are:

  • State Farm has savings for safe vehicle, anti-theft, accident-free, multiple autos, and Steer Clear safe driver discount.
  • GEICO may include discounts for anti-theft, good student, military active duty, defensive driver, and multi-vehicle.
  • Progressive may offer discounts for good student, multi-policy, multi-vehicle, online quote discount, and homeowner.
  • 21st Century offers discounts for 55 and older, homeowners, good student, teen driver, air bags, and driver training.
  • American Family offers premium reductions for Steer into Savings, good driver, early bird, accident-free, good student, bundled insurance, and mySafetyValet.
  • The Hartford discounts include driver training, air bag, defensive driver, good student, anti-theft, bundle, and vehicle fuel type.
  • AAA offers discounts including good student, education and occupation, good driver, multi-policy, anti-theft, and pay-in-full.

If you want inexpensive car insurance quotes, ask every prospective company which discounts you may be entitled to. Discounts may not be available in your area. To find car insurance companies that offer some of these discounts, follow this link.

Shop car insurance online

Most of the larger companies allow you to get insurance quotes direct online. Getting online rates is possible for anyone because you just enter as requested by the quote form. After you complete the form, the company’s rating system makes automated requests for your driving record and credit report and provides a quote.

Online quotes makes it easy to compare insurance prices but having to visit a lot of sites and type in the same data can be a bit tiresome and repetitive. Unfortunately, it is important to perform this step in order to find lower prices.

Rate comparisons made easy

A less time-consuming method to lower your rates is to use a quote form that gets price quotes from a bunch of companies at once. The form is fast, reduces the work, and makes online shopping much more enjoyable and efficient. Immediately after submitting the form, it is quoted and you can choose any of the pricing results. If a lower price is quoted, it’s easy to complete the application and buy the policy. It can be completed in less than 10 minutes and may save quite a bit of money.

To compare rates now, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend that you enter coverages and limits as shown on your current policy. Using the same limits helps guarantee you will have comparison quotes based on similar coverages.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions might help in determining if you could use an agent’s help.

  • How much underlying liability do I need for an umbrella policy?
  • Can I rent a car in Mexico?
  • Do I benefit by insuring my home with the same company?
  • Should I have combined single limit or split liability limits?
  • When would I need additional glass coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Where can I get insurance after a DUI in my state?
  • Does liability extend to a camper or trailer?
  • Should I have a commercial auto policy?
  • Will filing a claim cost me more?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance policy coverages for a Ford F-150

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills like hospital visits, prosthetic devices, EMT expenses and nursing services. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance

Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like legal defense fees, court costs and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from flooding, a tree branch falling on your vehicle and a broken windshield. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

Collision coverage will pay to fix damage to your F-150 resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, hitting a parking meter, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Affordable insurance is out there

When searching for low cost car insurance quotes, never buy poor coverage just to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. The aim is to purchase plenty of coverage at the best cost, but do not skimp to save money.

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, not issuing a premium refund, poor customer service or unfair underwriting practices. It doesn’t matter what your reason, finding a great new company is not as difficult as it may seem.

In this article, we covered many tips how you can save on 1996 Ford F-150 insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the lowest auto insurance rates come from a smaller regional carrier.

To read more, feel free to visit the articles below: