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Ford F-150 Insurance Rates

Finding cheaper auto insurance by getting online quotes is easy and there is a good chance you may find lower rates. The key is to take the time to get rates from as many companies as possible in order to have the cheapest rate quotes.

Consumers who are new to the process of shopping for insurance may think purchasing cut-rate Ford F-150 insurance is nearly impossible. Finding lower Ford F-150 insurance cost can be relatively painless. You just have to spend a little time to compare quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

Insurance premiums for your Ford F-150 can vary widely based upon several criteria. Some of these factors include:

  • Your driving record
  • Credit rating
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Safety rating of your F-150
  • Whether or not you have claims
  • No coverage lapses saves money
  • Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older Ford models so repair costs are higher which can inflate annual premiums. Conversely, newer models have more advanced features such as anti-lock brakes, adaptive headlights, and adaptive cruise control which can lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Liability - Liability insurance protects you from damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy higher limits if possible.

Collision coverage - This pays for damage to your Ford resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical costs insurance - Med pay and PIP coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not available in all states and gives slightly broader coverage than med pay.

How Much are Ford F-150 Insurance Rates?