2006 Ford F-150 Car Insurance Rates - 9 Tips for Best Quotes

Want the cheapest insurance rates for your Ford F-150? Are you irritated from trying to scrape together enough money to buy insurance? You’re in the same situation as many other consumers.

There is such a variety of insurance companies to choose from, and although it’s a good thing to have multiple companies, more options can take longer to adequately compare rates.

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Get affordable insurance coverage quotes with discounts

Companies that sell car insurance don’t always publicize their entire list of discounts very clearly, so here is a list a few of the more well known and also the more inconspicuous discounts that you may qualify for. If you aren’t receiving every discount available, you’re paying more than you need to.

Home Ownership Discount – Being a homeowner may trigger a policy discount on insurance coverage because it is proof of financial responsibility.
Discounts for Multiple Vehicles – Buying a policy with multiple cars on one policy qualifies for this discount.
Life Insurance Discount – Larger insurance companies have a lower insurance coverage rate if you buy life insurance.
Active Service Discounts – Being on active duty in the military could trigger a small discount.
Claim-Free Discount – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote as compared to insureds who have frequent claims or accidents.
Student Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course as it can save substantially.
Telematics Data – Drivers that enable driving data collection to analyze driving habits by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates if they exhibit good driving behavior.
Savings for New Vehicles – Insuring a vehicle that is new is cheaper since new model year vehicles have better safety ratings.
Sign Early and Save – Some larger companies give discounts for switching companies prior to your current policy expiring. This discount can save up to 10%.

We need to note that some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, you’re out of luck. Any amount of discount should help reduce the cost of your policy.

Some of the insurance companies that may offer these money-saving discounts include:

It’s a good idea to ask each company or agent to apply every possible discount. Some of the discounts discussed earlier may not apply everywhere. To see companies that have a full spectrum of discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help highlight if you may require specific advice.

If my pet gets injured in an accident are they covered?
When should I drop full coverage on my 2006 Ford F-150?
Will filing a claim cost me more?
Am I covered when driving a rental car?
What can I do if my company won’t pay a claim?
What if I owe more than I can insure my car for?
Why does it cost so much to insure a teen driver?
Can I rent a car in Mexico?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Car insurance coverages 101

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average car insurance policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2006 Ford F-150.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like prosthetic devices, hospital visits, chiropractic care and funeral costs. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance pays for damage to your F-150 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with a tree, crashing into a ditch and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Liability

Liability insurance provides protection from damage that occurs to people or other property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see 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 insurance covers claims such as pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, vandalism, damage from flooding, hail damage and falling objects. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage on a shoestring budget

Cost effective 2006 Ford F-150 insurance is definitely available both online in addition to many insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. A few companies may not offer online quoting and usually these small, regional companies work with independent agencies.

We’ve covered a lot of techniques to lower your 2006 Ford F-150 insurance car insurance rates. The key thing to remember is the more quotes you get, the better likelihood of getting cheap insurance coverage. You may even find the most savings is with a company that doesn’t do a lot of advertising. These companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

Additional auto insurance information can be read below: