1997 Ford F-150 Car Insurance Quotes – 9 Tips for Cheaper Rates

Trying to find the cheapest insurance for your Ford F-150 can normally be difficult, but you can use the following methods to make it easier.

There is a better way to shop for auto insurance and you need to know the quickest way to price shop coverage on a Ford and find the cheapest rates from local insurance agents and online providers.

Finding insurance

All the larger insurance companies provide prices for coverage on their websites. Getting prices online is quite easy because it’s just a matter of typing in into a form. After the form is submitted, their quoting system automatically retrieves your driving record and credit report and gives you a price quote.

Online price quotes simplifies rate comparisons, but the process of having to visit many different websites and complete many quote forms is a big time waster. But it’s necessary to have as many quotes as possible if you want to find the lowest possible prices on insurance.

There is a better way to compare rates

A better way to compare insurance pricing uses just one form to obtain quotes from several different companies. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much more enjoyable and efficient. As soon as you send your information, it is quoted and you are able to buy any or none of the returned quotes.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To quickly compare rates using this form now, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend that you enter deductibles and limits just like they are on your policy. This helps ensure you will have rate quotes using the exact same coverages.

Tricks in car insurance advertising

Consumers can’t get away from all the ads for car insurance savings from companies such as Allstate, GEICO and Progressive. All the ads make an identical promise about saving some big amount just by moving your coverage.

But how can every company charge you a lower premium?

Different companies require specific criteria for the type of insured that will generate a profit. For instance, a driver they prefer should be between the ages of 30 and 45, owns their home, and the vehicle is rated for pleasure use. Someone that fits those parameters is entitled to the best price and have a good chance to save money with a new company.

People who don’t measure up to the requirements will have to pay higher premiums which translates to the customer buying from a different company. The trick is to say “people that switch” not “all people who quote” save money. That’s why companies can make claims like that.

This illustrates why you absolutely need to quote coverage with many companies. Because without a comparison, you cannot know the company that will provide you with the cheapest auto insurance rates.

Find discounts to get cheap auto insurance quotes

Some insurers don’t always list all possible discounts in an easy-to-find place, so the below list has some of the best known as well as some of the hidden credits available to you.

  • Discounts for Government Workers – Being employed by or retired from a federal job could cut as much as 10% off on F-150 coverage depending on your company.
  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
  • Memberships – Belonging to qualifying employment or professional organizations could qualify you for a break when getting a auto insurance quote.
  • Discount for Low Mileage – Keeping the miles down on your Ford could earn substantially lower prices.
  • Data Collection Discounts – Policyholders that allow driving data submission to analyze where and when they drive remotely such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they show good driving skills.
  • Accident Forgiveness – This one is not really a discount per se, but some companies like Progressive, Allstate, and GEICO will turn a blind eye to one accident before your rates go up so long as you haven’t had any claims for a specific time period.
  • Good Students Pay Less – Maintaining excellent grades can earn a discount of 20% or more. This discount can apply until age 25.
  • Discount for Home Ownership – Just owning your own home can get you a discount because of the fact that having a home demonstrates responsibility.
  • Paperwork-free – Many auto insurance companies will give a small break just for signing your application on the web.

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it’s just not the way it works.

Auto insurance companies that may offer policyholders most of these discounts may include but are not limited to:

If you want affordable auto insurance quotes, ask each insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in your area. If you would like to view auto insurance companies with significant discounts, click here.

Tailor your insurance coverage to you

When choosing coverage, there is no single plan that fits everyone. Every situation is different.

For instance, these questions may help you determine whether you may require specific advice.

  • Does my car insurance cover rental cars?
  • What is covered by UM/UIM coverage?
  • When does my teenage driver need to be added to my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I carry comprehensive and collision coverage?
  • Why do I need rental car insurance?
  • Does my insurance cover my expensive audio equipment?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my 1997 Ford F-150 qualify for pleasure use?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Parts of your insurance policy

Understanding the coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Collision coverage

This pays for damage to your F-150 caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, driving through your garage door, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Liability

Liability coverage provides protection from damage that occurs to other’s property or people. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, court costs and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from flooding and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses for dental work, pain medications, rehabilitation expenses and surgery. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

The bottom line

People who switch companies do it for many reasons like lack of trust in their agent, poor customer service, high rates after DUI convictions or even unfair underwriting practices. Regardless of your reason for switching companies, switching car insurance companies is not as hard as you think.

When getting auto insurance quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to find out that it was a big mistake. Your strategy should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

We just presented a lot of ways to save on 1997 Ford F-150 insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even find the most savings is with a smaller regional carrier.

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