Cheap 1999 Ford F-150 Insurance Quotes

Locating cheaper insurance for a Ford F-150 can be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to shop for insurance so you’re going to learn the quickest way to quote coverages for a Ford and obtain the lowest possible price.

Compare the Market for Auto Insurance

Finding a better price on auto insurance is surprisingly easy. The only thing you need to do is spend a few minutes on the computer comparing price quotes online from several insurance companies. This can be done in several different ways.

The first (and easiest) way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do separate quote forms to each individual auto insurance company. One simple form will get you rate comparisons direct from many companies. This is perfect if you don’t have a lot of time.

A harder way to analyze rates requires visiting the website for every company you want to comare to complete a price quote. For sake of this example, let’s say you want comparison quotes from Progressive, State Farm and Geico. You would have to take the time to go to each site and enter your information, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The hardest way of comparing rate quotes is to spend your day driving to and from local insurance agencies. The internet has reduced the need for local agents unless you have a need for the professional guidance of a local agent. Drivers can get prices online and get advice from an agent in your area and we’ll touch on that later.

Which method you use is up to you, but ensure you’re using identical coverages on every quote you get. If you compare unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best.

Discounts are available to cut your rates

Car insurance companies don’t necessarily list all their discounts very clearly, so we break down both the well known and the harder-to-find discounts you could be receiving. If you’re not getting every credit you qualify for, you are throwing money away.

  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • 55 and Retired – Older drivers may receive a small decrease in premiums for F-150 insurance.
  • Accident Waiver – Some insurance companies permit an accident before your rates go up if you are claim-free for a set time period.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • E-sign – A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for F-150 insurance with select insurance companies.
  • Homeowners Savings – Simply owning a home may trigger a insurance coverage policy discount because owning a home demonstrates responsibility.

Consumers should know that many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that may offer these discounts are:

Double check with each insurance company which discounts you may be entitled to. All car insurance discounts might not be offered in your state.

Everyone needs different coverages

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

These are some specific questions could help you determine if you might need professional guidance.

  • At what point should I drop full coverage?
  • How much liability do I need to cover my assets?
  • Do I need added coverage for expensive stereo equipment?
  • Are split liability limits better than a combined single limit?
  • Is my nanny covered when driving my vehicle?
  • How can I force my company to pay a claim?
  • What is roadside assistance coverage?
  • What is the minimum liability in my state?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Specifics of your auto insurance policy

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Auto liability – This can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as court costs, repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford F-150.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses for ambulance fees, funeral costs and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hail damage, fire damage, falling objects and damage from flooding. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision insurance covers damage to your F-150 caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, hitting a mailbox, crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.