1998 Ford F-150 Insurance Quotes – 10 Ways to Save

Want better insurance rates for your Ford F-150? Trying to come up with a payment for pricey insurance can take a big chunk out of your budget and force you to make tough financial choices. Price shopping at each renewal is a smart way to make ends meet.

Since vehicle owners have many choices, it’s nearly impossible to locate the best insurance provider.

You should make it a habit to take a look at other company’s rates before your policy renews because insurance prices change quite often. If you had the best rates on F-150 insurance at your last renewal you will most likely find a better premium rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to use online quotes to find the best coverage while lowering your premiums.

The fastest way that we advise to compare rate quotes is to take advantage of the fact most of the bigger providers allow for online access to quote your coverage. To begin a comparison, all you need to do is spend a couple of minutes providing details including how old drivers are, the year, make and model of vehicles, if the car is leased, and an estimate of your credit level. Your rating data is instantly provided to multiple insurance coverage providers and you receive quotes instantly to find the best rate.

You may qualify for discounts

Some companies do not list every available discount very clearly, so we took the time to find some of the best known and also the more inconspicuous insurance savings.

  • Discounts for Federal Employees – Federal government employees could qualify for a slight premium decrease on F-150 insurance with select insurance companies.
  • Responsible Drivers – Drivers who avoid accidents may save up to 50% more on F-150 insurance than their less cautious counterparts.
  • Telematics Discount – Drivers that enable their insurance company to analyze driving manner by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as they are good drivers.
  • Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10% off your insurance coverage quote.
  • Club Memberships – Belonging to qualifying employment or professional organizations may earn a discount when shopping for insurance.
  • Defensive Driving Course – Taking part in a safe driver class could possibly earn you a 5% discount if you qualify.
  • Distant Student – College-age children who live away from home at college and do not have a car may qualify for this discount.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up can save a little off the medical payments premium.
  • Online Discount – Certain companies may give you up to $50 simply for signing on the internet.
  • Homeowners Discount – Owning a house can save a few bucks because maintaining a house requires a higher level of personal finance.

A quick disclaimer, many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like you could get a free insurance policy, you’re out of luck. Any qualifying discounts will definitely lower your overall bill.

Large insurance companies and the discounts they provide are detailed below.

  • State Farm discounts include Drive Safe & Save, good driver, safe vehicle, student away at school, driver’s education, and passive restraint.
  • Nationwide may include discounts for family plan, anti-theft, multi-policy, easy pay, good student, business or organization, and defensive driving.
  • GEICO includes discounts for driver training, defensive driver, multi-policy, seat belt use, and air bags.
  • AAA has discounts for multi-car, multi-policy, AAA membership discount, good driver, and pay-in-full.
  • 21st Century may offer discounts for theft prevention, defensive driver, teen driver, anti-lock brakes, student driver, and automatic seat belts.
  • The Hartford offers discounts including air bag, good student, anti-theft, vehicle fuel type, bundle, defensive driver, and driver training.

Before you buy a policy, ask all the companies what discounts are available to you. Some discounts listed above may not be available in your area. If you would like to choose from a list of companies that offer some of these discounts, follow this link.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining if your situation would benefit from professional advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Should I sign the liability waiver when renting a car?
  • Can I drive in Mexico and have coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when driving a rental car?
  • Will filing a claim cost me more?
  • Can my babysitter drive my car?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but you think they might apply to your situation, 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.

Auto insurance coverages explained

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average auto insurance policy.

Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, a broken windshield, damage from a tornado or hurricane, vandalism and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance – This coverage will cover damage that occurs to people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as medical services, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they 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.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

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

Collision can pay for things like rolling your car, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for bills such as prosthetic devices, surgery and nursing services. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Final thoughts

We just covered many ideas to get a better price on 1998 Ford F-150 insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance is with some of the smallest insurance companies. Regional companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

When you buy insurance coverage online, do not skimp on coverage in order to save money. Too many times, someone dropped comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Additional insurance information can be found on the following sites: