View 2001 Ford F-150 Insurance Rates

Do you get exhausted from robbing Peter to pay Paul each month for insurance? You have the same problem as millions of other vehicle owners. Many insurance companies vie to insure your vehicles, so it’s not easy to compare every company to find the lowest rate possible.

It’s smart to compare premium rates before your policy renews since prices fluctuate regularly. Just because you found the best rates for F-150 insurance six months ago you can probably find a lower rate today. Ignore everything you know about insurance because it’s time to teach you the right way to lower your annual insurance bill.

Compare insurance quotes

The majority of larger companies allow you to get price estimates on the web. This process is very simple as all you need to do is type in the coverages you want into the form. Once entered, their quoting system automatically orders information on your driving record and credit history and returns a price quote based on the data you entered. This streamlines rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it is imperative to do this in order to find a lower rate.

Compare rates the easy way

A less time-consuming method to find cheaper rates uses one simple form to get prices from more than one company. It’s a real time-saver, eliminates repetitive work, and makes online shopping a lot less work. Once the form is submitted, your coverage is rated with multiple companies and you can pick your choice of the resulting price quotes. If you find a better price it’s easy to complete the application and purchase the new policy. The entire process takes just a few minutes to complete and may save quite a bit of money.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and complete the simple form. If you currently have coverage, we recommend you enter the insurance coverages as close as possible to your current policy. This guarantees you will be getting rate comparison quotes for similar insurance coverage.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different so your insurance needs to address that. For example, these questions may help you determine if you will benefit from professional help.

  • Should I carry comprehensive and collision coverage?
  • What is the minimum liability in my state?
  • Is there coverage for injuries to my pets?
  • Can I still get insurance after a DUI?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my Ford F-150 covered if I use it for business?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Coverages available on your policy

Having a good grasp of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from car insurance companies.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as surgery, X-ray expenses, pain medications and funeral costs. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability insurance – Liability coverage will cover damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like bail bonds, funeral expenses, court costs and attorney fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, rock chips in glass and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – Collision insurance covers damage to your F-150 caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, hitting a mailbox, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-150.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.