Save on 2015 Ford F-150 Insurance Cost

Looking for cheaper insurance coverage rates for your Ford F-150? If shopping for auto insurance quotes online is new to you, you can be baffled by the diversity of insurers all advertising big savings.

It’s important to compare premium rates yearly because insurance coverage prices change regularly. Even if you got the best rates on F-150 insurance six months ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about insurance coverage because we’re going to show you one of the best ways to properly buy coverages and cut your premium.

Auto Insurance Discounts

Auto insurance companies don’t always publicize the complete list of policy discounts in an easy-to-find place, so we took the time to find some of the best known as well as some of the hidden credits available to you.

  • Low Miles Discount – Driving fewer miles may allow you to get discounted rates on garaged vehicles.
  • Early Payment Discounts – By paying your policy upfront instead of paying each month you may have a lower total premium amount.
  • Government Employees – Employees or retirees of the government may qualify for a discount when you quote auto insurance on F-150 insurance but check with your company.
  • Defensive Driver Discount – Completing a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Club Memberships – Participating in specific professional or occupational memberships or organizations could earn you a nice discount on your bill.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
  • Telematics Data Discounts – Drivers who agree to allow driving data collection to track where and when they drive by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if their driving habits are good.
  • Early Signing – A few auto insurance companies give discounts for signing up before your current expiration date. You could save around 10% when you buy auto insurance online.

Consumers should know that some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, companies don’t profit that way. But any discount should help lower the premium cost.

A list of auto insurance companies and a selection of discounts are outlined below.

  • Progressive offers discounts for multi-policy, continuous coverage, multi-vehicle, online quote discount, and homeowner.
  • AAA may offer discounts for pay-in-full, education and occupation, good driver, AAA membership discount, and anti-theft.
  • Farmers Insurance may have discounts that include youthful driver, switch companies, bundle discounts, mature driver, electronic funds transfer, early shopping, and homeowner.
  • GEICO discounts include emergency military deployment, seat belt use, daytime running lights, multi-vehicle, military active duty, and good student.
  • Esurance policyholders can earn discounts including online shopper, Pac-12 alumni, renters, good driver, DriveSense, good student, and homeowner.
  • SAFECO offers discounts including bundle discounts, safe driver, teen safety rewards, teen safe driver, and drive less.
  • State Farm offers premium reductions for good driver, student away at school, safe vehicle, Drive Safe & Save, multiple policy, and multiple autos.

When quoting, ask all the companies which discounts you may be entitled to. Depending on the company, some discounts may not apply to policyholders everywhere. To locate auto insurance companies that offer the discounts shown above, click this link.

First Step: Get free auto insurance quotes

There are several ways to compare prices from lots of auto insurance companies. The fastest way to find the cheapest 2015 Ford F-150 insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

  • The first (and easiest) way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This form eliminates the need for boring form submissions for every company. One form submission gets rate comparisons from multiple companies. Just one form and you’re done.
  • A slightly less efficient method to analyze rates requires you to visit the website for every company you want to comare and repeat the quote process. For examples sake, we’ll assume you want to compare rates from Liberty Mutual, Allstate and Farmers. To get rate quotes you would need to spend time on each company’s site and enter your information, which can take a lot of time.

    For a list of links to companies insuring cars in your area, click here.

  • Even if you have time, the least recommended way to do your price quoting is actually driving to and from local insurance agencies. The ability to quote online eliminates this option unless you have a complicated situation and need the professional guidance that can only be provided by a licensed insurance agent. It is possible to get prices online but still have the advice of a local agent.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same quote data on every quote. If your comparisons have mixed coverages it will be nearly impossible to determine the lowest rate for your Ford F-150. Having just a slight variation in coverage limits may result in a large different in cost. And when comparing auto insurance rates, know that comparing more company’s prices gives you a better chance of getting more affordable rates.

How insurance providers calculate Ford F-150 insurance prices

Smart consumers have a good feel for some of the elements that are used to determine auto insurance rates. When consumers understand what determines premiums, this enables you to make decisions that could result in big savings. Lots of factors are used in the calculation when you get a price on insurance. A few of the factors are predictable like an MVR report, but other factors are less apparent such as your marital status or your financial responsibility.

  • More traffic equals higher prices – Living in small towns and rural areas has it’s advantages when it comes to auto insurance. Less people living in that area corresponds to lower accident rates and also fewer theft and vandalism claims. Drivers who live in large cities have congested traffic and more severe claims. The longer drive time can result in more accidents.
  • You may save more by bundling policies – Most major auto insurance companies allow a discount to clients who have multiple policies with them such as combining an auto and homeowners policy. Even with this discount applied, it’s always a smart idea to check prices from other companies to guarantee you are still saving the most. Consumers may find a better deal by buying from different companies
  • Infrequent drivers can save – The higher the miles on your Ford every year the more it will cost to insure it. A lot of insurance companies rate vehicles based upon how the vehicle is primarily used. Autos that are left in the garage can get a lower rate compared to those used for work or business. Improper usage on your F-150 may be wasting your money. It’s a good idea to make sure your auto insurance coverage correctly shows the correct usage.
  • Getting married pays dividends – Having a wife or husband may earn you lower rates on your auto insurance policy. Having a spouse translates into being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Cheaper auto insurance rates using alarm systems – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft.
  • Men tend to take more risk – Statistics demonstrate that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Females and males tend to get into at-fault accidents at a similar rate, but the males tend to have more serious accidents. Men also tend to get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Lower rates come with age – Youthful drivers are proven to be less responsible in a vehicle so they pay higher auto insurance rates. More experienced drivers are shown to be more cautious, file fewer claims and get fewer tickets.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

  • Is my ex-spouse still covered by my policy?
  • Is a fancy paint job covered?
  • Is business property covered if stolen from my car?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I get a multi-policy discount?
  • Is my 2015 Ford F-150 covered for smoke damage?
  • Can my teen drive my company car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance companies are expert advertisers

Respected companies like Allstate, GEICO and Progressive regularly use ads in print and on television. They all seem to state the claim about savings just by switching to their company. How does each company give you a lower rate? This is the way they can do it.

Insurance providers can use profiling for the right customer that earns them the most money. For example, this type of driver might have to be a married male, has no prior claims, and drives less than 10,000 miles a year. Any person who matches those parameters gets the lowest premium rates and will also save when switching.

People who cannot meet these criteria will probably be forced to pay a higher premium and this can result in the prospect going elsewhere. The ads state “people who switch” not “everyone that quotes” can save as much as they claim. That’s the way companies can make those statements. Each company has different criteria, so you really should compare rate quotes every year. It is just not possible to predict which company will fit your personal profile best.

Auto insurance specifics

Having a good grasp of a auto insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, vandalism, hitting a deer, a broken windshield and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

This coverage protects you from damage that occurs to a person or their property. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims like repair bills for other people’s vehicles, medical services, legal defense fees and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision protection

Collision insurance pays for damage to your F-150 resulting from colliding 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 things such as damaging your car on a curb, rolling your car and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses for surgery, rehabilitation expenses and EMT expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Ford F-150.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

More quotes. Lower rates.

Lower-priced car insurance is possible from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies do not offer rate quotes online and many times these regional insurance providers sell through independent agents.

We just presented some good ideas how you can compare 2015 Ford F-150 insurance auto insurance rates online. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. You may even find the biggest savings come from the least-expected company.

As you quote auto insurance, never sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced physical damage coverage to discover at claim time that the savings was not a smart move. The goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.

More detailed car insurance information can be found at these sites: