1996 Ford F-150 Insurance Rates – 9 Discounts for Best Quotes

Are you overwhelmed by the dozens of car insurance companies? You’re not alone. There are so many options that it can be a ton of work to find the perfect company for you.

This information will instruct you on how to get online quotes and some tips to save money. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Nevertheless, consumers can benefit by having an understanding of the methods companies use to compete online because it can help you find the best coverage.

Vehicle Insurance Comparison

All the larger insurance companies allow you to get prices on the web. This process is fairly simple as you just enter your coverage preferences into a form. When complete, their rating system automatically retrieves your driving and credit reports and returns a price.

Online quotes streamlines rate comparisons, but the time it takes to visit several different sites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible in order to find the best price on insurance.

The quickest way to compare rates is to use a quote form that gets price quotes from several different companies. This type of form saves time, requires much less work on your part, and makes online price comparison a lot less work. After sending your information, it is quoted and you are able to buy any one of the resulting price quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process takes just a few minutes to complete and could lower your rates considerably.

To save time and compare rates now, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you copy coverages and limits identical to your current policy. This makes sure you will get rate comparison quotes for exact coverage.

Pay less by taking advantage of these nine discounts

Insurance can be prohibitively expensive, but you can get discounts to help offset the cost. Some trigger automatically when you quote, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • One Accident Forgiven – Some insurance companies permit an accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Safety Course Discount – Completing a course in driver safety can save you 5% or more if you qualify.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for F-150 coverage than their less cautious counterparts.

It’s important to understand that some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, companies wouldn’t make money that way. Any qualifying discounts will bring down the cost of coverage.

Insurance companies that may offer these benefits are:

Before buying, ask each insurance company how you can save money. Some discounts might not be offered in every state.

Your coverage should be tailored to you

When choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different.

For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • How high should my medical payments coverage be?
  • Am I covered when pulling a rental trailer?
  • Am I covered if my car is in a flood?
  • What if I don’t agree with a claim settlement offer?
  • Does coverage extend to my business vehicle?
  • Will my rates increase for filing one claim?
  • What is roadside assistance coverage?
  • What is the minimum liability in my state?
  • Does my insurance cover a custom paint job?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverage information

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford F-150.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses such as pain medications, EMT expenses, dental work and surgery. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, scraping a guard rail, hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, fire damage, rock chips in glass, a tree branch falling on your vehicle and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance – This can cover damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like court costs, legal defense fees, loss of income, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

And the best car insurance company is…

The cheapest 1996 Ford F-150 insurance is possible from both online companies as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some insurance coverage companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

Throughout this article, we presented a lot of ways to save on insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a small local company.

Drivers leave their current company for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, denial of a claim or policy non-renewal. Regardless of your reason, finding a great new company can be pretty painless.

Additional insurance coverage information is located on the following sites: