Lower Your 2017 Ford F-150 Car Insurance Quotes

Locating low-cost insurance for your Ford F-150 could be an all-consuming task, but you can learn our insurance buying tips to save time. There are more efficient ways to find insurance online so you’re going to learn the absolute fastest way to compare rates for your Ford and find the best price possible from both online companies and local agents.

You should make it a habit to compare rates occasionally due to the fact that insurance rates go up and down regularly. Even if you think you had the lowest premium rates for F-150 coverage a year ago other companies may now be cheaper. There is a lot of wrong information about insurance on the internet, but I’m going to show you a bunch of ideas how to stop overpaying for insurance.

Choosing the best insurance company for you is quite easy. If you have a current car insurance policy or are looking for a new policy, you can use these tips to cut your premiums while maintaining coverages. Vehicle owners just need to understand how to buy car insurance on the web.

Get lower rates with discounts

Companies that sell car insurance don’t always publicize all possible discounts very well, so we researched both well-publicized as well as the least known credits available to lower your premiums when you buy insurance online.

  • ABS Braking Discount – Vehicles with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
  • Accident Forgiveness – but companies like GEICO, Allstate and Liberty Mutual permit an accident without raising rates if your claims history is clear prior to being involved in the accident.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
  • Memberships – Joining a qualifying organization is a good way to get lower rates when getting a insurance quote.

One last thing about discounts, most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will bring down your policy premiums.

Popular car insurance companies and some of the premium reductions they offer are included below.

  • GEICO may have discounts that include anti-theft, air bags, driver training, federal employee, membership and employees, multi-policy, and emergency military deployment.
  • Auto-Owners Insurance includes discounts for safe vehicle, company car, paperless, student away at school, teen driver, anti-lock brakes, and anti-theft.
  • American Family offers premium reductions for air bags, accident-free, mySafetyValet, good student, bundled insurance, and Steer into Savings.
  • Esurance discounts include homeowner, online quote, defensive driver, paid-in-full, renters, and emergency road assistance.
  • Progressive offers discounts for continuous coverage, homeowner, good student, multi-policy, multi-vehicle, online quote discount, and online signing.
  • State Farm has savings for Drive Safe & Save, defensive driving training, good student, driver’s education, safe vehicle, and multiple autos.
  • AAA may include discounts for good driver, good student, education and occupation, multi-policy, pay-in-full, and AAA membership discount.

Before buying, ask every insurance company which discounts they offer. Some of the earlier mentioned discounts may not apply to policies in your state. To find providers that offer the discounts shown above, click here.

How to buy auto insurance

Getting a cheaper price on 2017 Ford F-150 insurance is actually easier than you may think. You just need to spend a few minutes comparing rates to find the company with cheaper insurance quotes. You can get a good selection of rate quotes in a couple of different ways.

  • If you are pressed for time, the simplest way to find low rates is a comparison rater form (click to open form in new window). This quick form prevents you from having to do boring form submissions for each company. A single form gets rate comparisons from multiple low-cost companies. This is by far the quickest method.
  • A less efficient way to shop for auto insurance online requires a visit to each individual company website and repeat the quote process. For example, we’ll assume you need rates from Allstate, Farmers and Travelers. In order to compare rates, you need to visit each site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

Whichever way you use, make sure you compare the exact same coverage limits and deductibles for each comparison quote. If you compare different values for each quote it will be very difficult to find the best deal for your Ford F-150.

How do car insurance companies determine Ford F-150 insurance premiums?

Many different elements are part of the equation when you get your auto insurance bill. Some are pretty understandable like an MVR report, although some other factors are more transparent such as your credit history or your financial responsibility.One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that go into determining your insurance rates. If you have some idea of what influences your rates, this allows you to make educated decisions that could help you find lower premium levels.

  • An active claims history can increase rates – If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies provide discounts to policyholders that do not abuse their auto insurance. Your insurance policy is intended for claims that you cannot pay yourself.
  • Amount of liability coverage – Liability insurance kicks in if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
  • Lower rates for safer cars – Cars with five star safety ratings can get you lower premiums. These vehicles reduce occupant injuries and reduced instances of injuries means less claims paid and more competitive rates for policyholders. If the Ford F-150 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Alarms and GPS tracking lower prices – Choosing a vehicle with a theft deterrent system can help lower your premiums. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft.
  • Teenage drivers are expensive to insure – Inexperience drivers tend to be inattentive and easily distracted when behind the wheel so insurance rates are higher. More mature drivers are more cautious drivers, are lower risk to insure and tend to be get fewer driving tickets.
  • Qualify for multi-policy discounts – The majority of insurance companies will award a discount to clients that purchase more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, consumers should still comparison shop to make sure you are getting the best deal.

What is the best car insurance coverage?

When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

For instance, these questions might point out if your insurance needs could use an agent’s help.

  • What is the minimum liability in my state?
  • How much liability do I need to cover my assets?
  • How high should deductibles be on a 2017 Ford F-150?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my car insurance cover rental cars?
  • Is motorclub coverage worth it?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is PIP insurance?
  • Is business equipment covered while in my vehicle?
  • How many claims can I have before being cancelled?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Beware of misleading insurance ads

Consumers get pounded daily by advertisements for the lowest price insurance by GEICO, State Farm and Progressive. All the companies have a common claim that drivers will save a bundle just by switching your coverage.

But how can every company charge you less for car insurance? It’s all in the numbers.

Insurance providers provide the lowest rates for the driver that will generate a profit. A good example of a profitable risk profile may be over the age of 40, has a clear driving record, and drives less than 5,000 miles a year. Any new insured who fits those characteristics will probably get the lowest premium rates and therefore will save a lot if they switch.

Drivers who do not fit those standards will have to pay more expensive rates which usually ends up with the customer not buying. The ads say “drivers that switch” but not “all drivers who get quotes” save the amount stated. That is how insurance companies can confidently make it sound like they have such great rates. This really illustrates why it is so important to compare many company’s rates. It’s just not possible to know which company will have the best prices.

Auto insurance policy coverages for a 2017 Ford F-150

Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, falling objects, a broken windshield, damage from getting keyed and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – This will pay to fix damage to your F-150 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, colliding with a tree, hitting a parking meter, crashing into a building and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability coverages – Liability coverage protects you from damage that occurs to people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as repair bills for other people’s vehicles, structural damage and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as ambulance fees, doctor visits, surgery, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – 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. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Feed the piggy bank

People change insurance companies for any number of reasons including policy non-renewal, denial of a claim, policy cancellation and even not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company is actually quite simple.

As you quote insurance, you should never skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

Low-cost 2017 Ford F-150 insurance is possible both online and with local insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers may not offer the ability to get a quote online and these smaller providers prefer to sell through local independent agencies.

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