2010 Ford F-150 Insurance Rates

Drivers have many options when trying to find affordable Ford F-150 insurance. You can either spend your time contacting agents to get rate comparisons or utilize the internet to get rate quotes.

There is a right way and a wrong way to shop for car insurance and you need to know the quickest way to compare rates for a Ford and obtain the lowest possible price.

If you have a policy now or are just looking to switch companies, you can use this information to find the best rates while maintaining coverages. The purpose of this post is to help educate you on the most effective way to quote insurance and some money-saving tips. Drivers only need an understanding of the proper methods to compare prices online.

Ford F-150 insurance prices can be reduced

Lots of things are used in the calculation when you quote your car insurance policy. Most are fairly basic like an MVR report, but some are less apparent like your continuous coverage or your financial responsibility.

  • Responsible drivers pay lower costs – Careful drivers pay lower auto insurance prices as compared to those with violations. Getting just one chargable violation can increase the cost of insurance twenty percent or more. Drivers who have multiple citations such as reckless driving or DUI may be required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • You might get higher prices if you are single – Getting married can actually save you money when buying insurance coverage. It demonstrates that you tend to be more financially stable and it’s statistically proven that married drivers get in fewer accidents.
  • Stay claim-free and lower rates – Auto insurance companies award discounts to people that do not abuse their auto insurance. If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Insurance coverage is designed for larger claims.
  • Buy a safe car and pay less – Cars with five star safety ratings cost less to insure. Safe vehicles result in less severe injuries and better occupant protection translates directly to fewer claims which can result in lower premiums. If the Ford F-150 is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Where you call home – Being located in a rural area has it’s advantages if you are looking for the lowest rates. Fewer drivers on the road means reduced accidents and a lower car theft rate. City drivers have more aggressive driving styles and more severe claims. Longer commute distances statistically corresponds to a higher accident and claim rate.

The fastest way that we advise to compare insurance rates from multiple companies is to take advantage of the fact car insurance companies provide online access to quote your coverage. To get started, all you need to do is provide the companies a bit of rating information including your general credit rating, distance driven, whether the vehicles are used for commuting, and deductibles desired. Your details is then submitted to multiple top-rated companies and they return cost estimate instantly.

To compare rates now, click here then complete the form.

Can you really save that much by switching?

Consumers can’t get away from ads that claim the lowest premium rates by companies like Allstate and Progressive. All the ads seem to make the promise about savings if you change to their company.

How does every car insurance company give you a lower rate?

All companies have specific guidelines for the right customer that earns them the highest profit. For instance, a desirable insured may be between the ages of 30 and 50, owns a home, and has a short commute. A propective insured that meets those criteria will get the preferred premium rates and will also save quite a bit of money when switching.

People who are not a match for the requirements will see a higher premium which results in the customer not buying. The ads state “customers that switch” but not “everyone who gets a quote” save that much. That is how companies can truthfully make claims like that.

Because of the profiling, you need to compare free insurance quotes often. You cannot predict which car insurance company will fit your personal profile best.

Are you qualifying for every discount?

Companies that sell car insurance don’t list the complete list of policy discounts in an easy-to-find place, so the list below details some of the more common and the more hidden insurance coverage savings. If they aren’t giving you every credit available, you are throwing money away.

  • Defensive Driver – Completing a course in defensive driving could earn you a small percentage discount and easily pay for the cost of the class.
  • Professional Memberships – Having an affiliation with certain professional organizations could earn you a nice discount on your next insurance coverage statement.
  • Smart Student Discounts – Excelling in school can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Sign Online – Some larger companies give back up to $50 for completing your application on the internet.
  • Multiple Policy Discount – If you have multiple policies with the same company you may save up to 20% and get you the cheapest insurance.
  • Seat Belts Save – Buckling up and requiring all passengers to fasten their seat belts could save 15% off the PIP or medical payment premium.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and can earn a small discount on your policy.
  • Telematics Data – Insureds who allow data collection to spy on driving patterns by using a telematics device like Allstate’s Drivewise might get better premium rates if they are good drivers.
  • Multiple Cars – Buying insurance for multiple cars with one company can get a discount for every vehicle.

Drivers should understand that some credits don’t apply to the entire policy premium. Most cut individual premiums such as physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

To view insurance companies who offer discounts, follow this link.

When in doubt talk to an agent

When it comes to buying coverage, there is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

  • How much underlying liability do I need for an umbrella policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Are there companies who specialize in insuring high-risk drivers?
  • Which is better, split liability limits or combined limits?
  • How high should deductibles be on a 2010 Ford F-150?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I break a side mirror?
  • Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Car insurance specifics

Learning about specific coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, hitting a deer, damage from getting keyed and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

Collision insurance pays for damage to your F-150 resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Auto liability insurance

This coverage can cover damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, structural damage, pain and suffering and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists 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 Ford F-150.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like funeral costs, pain medications and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Smart shoppers get results

When you buy insurance online, do not buy poor coverage just to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

Drivers leave their current company for any number of reasons including policy cancellation, delays in paying claims, questionable increases in premium or even an unsatisfactory settlement offer. Regardless of your reason, finding a new car insurance company can be pretty painless.

In this article, we presented quite a bit of information on how to save on 2010 Ford F-150 insurance. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest insurance. You may even discover the best price on car insurance is with the least-expected company.

Much more information about car insurance is available on the following sites: