View 1999 Ford F-150 Insurance Rates

Trying to find better car insurance rates for your Ford F-150? Having to pay for pricey car insurance can dwindle your checking account and require stricter spending habits. Performing a price comparison is recommended to lower your bills every month.

Because there are so many options, it’s nearly impossible to find a lower cost insurance company.

More discounts mean lower-cost premiums

Insurance coverage is not cheap nor is it fun to buy but there are discounts available to reduce the price significantly. Certain discounts will be applied when you quote, but a few need to be manually applied prior to receiving the credit.

  • Sign Online – Some of the larger companies give back up to $50 for completing your application online.
  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Low Mileage Discounts – Low mileage vehicles may allow you to get better premium rates on cars that stay parked.
  • Save with a New Car – Insuring a new car can save up to 30% compared to insuring an older model.
  • Organization Discounts – Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums on your bill.
  • No Claims – Drivers with accident-free driving histories can save substantially as opposed to accident-prone drivers.
  • Renewal Discounts – Select insurance companies give a discount for switching policies before your current coverage expires. It’s a savings of about 10%.
  • Homeowners Savings – Simply owning a home can earn you a little savings because it requires personal responsibility.
  • Senior Discount – Older drivers can get better insurance coverage rates for F-150 insurance.

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, nobody gets a free ride.

Popular insurance coverage companies and their possible discounts include:

  • Mercury Insurance may have discounts that include anti-theft, accident-free, low natural disaster claims, ease of repair, and type of vehicle.
  • Farmers Insurance may offer discounts for youthful driver, good student, homeowner, distant student, electronic funds transfer, and early shopping.
  • Farm Bureau discounts include good student, multi-policy, safe driver, multi-vehicle, and driver training.
  • State Farm includes discounts for multiple autos, driver’s education, Drive Safe & Save, passive restraint, good driver, multiple policy, and anti-theft.
  • Allstate policyholders can earn discounts including economy car, good student, early signing, defensive driver, EZ pay plan discount, and FullPay discount.
  • GEICO has savings for anti-lock brakes, emergency military deployment, driver training, good student, anti-theft, daytime running lights, and multi-policy.

Check with each company or agent how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in your state. If you would like to see a list of insurance companies that offer multiple discounts, click this link.

Why you might pay higher rates

Many things are taken into consideration when premium rates are determined. Some factors are common sense like an MVR report, although some other factors are not as apparent such as your marital status or your financial responsibility.

  • Vocation reflects on prices – Jobs like real estate brokers, business owners and miners tend to have the highest average rates in part from stressful work requirements and long work days. Conversely, jobs such as farmers, engineers and homemakers get better rates for F-150 insurance.
  • Continuous coverage lowers rates – Going without insurance will be a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, not being able to provide proof of insurance could earn you fines or a revoked license.
  • High credit saves on insurance – Having a bad credit history factor in calculating your premium rate. So if your credit rating is lower than you’d like, you could be paying less to insure your 1999 Ford F-150 if you improve your credit rating. Drivers with very good credit scores tend to be better drivers and file fewer claims as compared to drivers with worse credit.
  • Policy add-ons add up – There are a ton of optional add-on coverages that you can get tricked into buying but may not be useful. Add-on coverages like rental car coverage, better glass coverage, and Farm Bureau memberships may be costing you every month. You may think they are a good idea when buying your policy, but if you don’t need them eliminate them to save money.

It’s not one size fits all

When buying proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different so your insurance needs to address that. For example, these questions may help you determine whether your personal situation may require specific advice.

  • Do all my vehicles need collision coverage?
  • Is my camper covered by my car insurance policy?
  • Do I pay less if my vehicle is kept in my garage?
  • How do I insure my teen driver?
  • When should I not file a claim?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Brand name doesn’t guarantee savings

Consumers constantly see and hear ads for car insurance savings from companies such as GEICO, State Farm and Progressive. They all state the claim about how much you will save if you get a free insurance coverage quote and switch to their company.

How does every car insurance company have lower policy pricing? It’s all in how they say it.

All the different companies have underwriting criteria for a prospective insured that will most likely be profitable. An example of a driver they prefer may need to be over age 30, insures multiple vehicles, and drives a car with an anti-theft system. Any person who fits those characteristics receives the best premium rates and as a result will probably cut their rates substantially.

Drivers who fall outside these criteria will be quoted higher premiums with the end result being business not being written. The trick is to say “drivers who switch” not “everyone that quotes” can save as much as they claim. This is how companies can state the savings.

Because of this risk profiling, you really should compare quotes as often as possible. It’s not possible to predict with any certainty which company will provide the lowest auto insurance rates.

Learn about insurance coverages for a 1999 Ford F-150

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, damage from flooding, hitting a deer and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, hitting a parking meter, colliding with a tree, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like X-ray expenses, ambulance fees and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 1999 Ford F-150.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability insurance

This coverage can cover damage that occurs to people or other property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as court costs, structural damage and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

A penny saved is a penny earned

Lower-priced 1999 Ford F-150 insurance can be bought online and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not provide the ability to get a quote online and these smaller providers only sell through independent insurance agents.

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where an insured dropped comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

More articles