Cheaper 2009 Ford F-150 Car Insurance Quotes

Looking for the cheapest insurance rates for your Ford F-150? Sick and tired of robbing Peter to pay Paul to pay insurance each month? You are no different than many other vehicle owners.

Companies like GEICO, Progressive and Allstate constantly bombard you with ads and it is difficult to see through the deception and find the best price available.

It’s a great practice to quote other rates every six months because insurance prices are variable and change quite frequently. Even if you got the best rates on F-150 insurance a year ago you can probably find a better premium rate now. Block out anything you think you know about insurance because we’re going to demonstrate the easiest way to get good coverage at a lower rate.

If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Finding the best rates is not that difficult. Although consumers must learn how companies price online insurance because it can help you find the best coverage.

How to lower your auto insurance cost

Many insurance companies like Progressive, Allstate and GEICO allow consumers to get pricing on the web. Doing online price comparisons can be done by anyone as you just type in your required coverages into a form. Once you submit the form, their system will order information on your driving record and credit history and provides a quote based on many factors. Online price quotes streamlines rate comparisons, but having to visit different websites and type in your information gets old quite quickly. Unfortunately, it is important to do this if you want to find the lowest price.

A less time-consuming method to lower your auto insurance bill makes use of a single form that obtains quotes from a lot of companies. The form is fast, requires less work, and makes price shopping online much simpler. Immediately after you send the form, it gets priced and you can select any one of the quotes that you receive. If you find a better price you can simply submit the application and buy the new coverage. This process just takes a couple of minutes and you will know how your current rates stack up.

In order to compare pricing, click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you enter exactly as they are listed on your policy. This makes sure you will have rate quotes for similar insurance coverage.

Don’t miss with these discounts

Insuring your vehicles can cost a lot, but you might already qualify for some discounts to help offset the cost. Many of these discounts will be applied automatically when you quote, but some need to be inquired about before being credited.

  • Safety Course Discount – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.
  • Discount for Low Mileage – Driving less could be rewarded with lower auto insurancerates on the low mileage vehicles.
  • Smart Student Discounts – Getting good grades may save as much as 25% on a insurance quote. This discount can apply well after school through age 25.
  • No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance quote in comparison to drivers who are more careless.
  • 55 and Retired – Seniors can possibly qualify for reduced rates on F-150 insurance.
  • Homeowners Savings – Just owning your own home may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.

Consumers should know that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. Despite the appearance that you could get a free auto insurance policy, nobody gets a free ride.

A few of the larger companies and a selection of discounts are detailed below.

  • GEICO has discounts for five-year accident-free, federal employee, air bags, daytime running lights, anti-theft, defensive driver, and seat belt use.
  • Travelers has savings for driver training, IntelliDrive, new car, early quote, home ownership, and save driver.
  • Nationwide offers premium reductions for Farm Bureau membership, anti-theft, accident-free, good student, easy pay, and business or organization.
  • Farmers Insurance includes discounts for pay in full, good student, business and professional, distant student, bundle discounts, and multi-car.
  • Esurance offers discounts including renters, safety device, anti-lock brakes, claim free, good student, DriveSense, and anti-theft.
  • State Farm discounts include anti-theft, student away at school, passive restraint, Steer Clear safe driver discount, good driver, and driver’s education.
  • Progressive may include discounts for multi-vehicle, online quote discount, continuous coverage, homeowner, good student, multi-policy, and online signing.
  • Mercury Insurance offers discounts for location of vehicle, ease of repair, low natural disaster claims, accident-free, age of vehicle, multi-car, and annual mileage.

Double check with all companies you are considering to give you their best rates. Some credits may not apply to policyholders in your area. To locate auto insurance companies with the best auto insurance discounts, click here to view.

Your situation helps dictate your coverage

When buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • How do I buy GAP insurance?
  • Is my 2009 Ford F-150 covered for smoke damage?
  • Am I covered when driving someone else’s vehicle?
  • Does coverage extend to Mexico or Canada?
  • Where can I get insurance after a DUI in my state?
  • Am I getting all the discounts available?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need roadside assistance coverage?
  • Is motorclub coverage worth it?
  • Are rock chip repairs covered?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

What insurance coverages do you need?

Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like rehabilitation expenses, dental work, pain medications, ambulance fees and prosthetic devices. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. 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, hitting a bird and fire damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage – Liability insurance can cover damage or injury you incur to other’s property or people. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as medical expenses, pain and suffering, medical services and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Ford F-150.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision – Collision insurance will pay to fix damage to your F-150 resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.