2004 Ford F-150 Car Insurance Quotes – 7 Savings Tips

Want cheaper insurance coverage rates for your Ford F-150? Trying to find cheaper insurance for a Ford F-150 can normally be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to shop for insurance coverage and you need to know the proper way to quote coverages for a Ford and obtain the cheapest rates either online or from local insurance agents.

Buying affordable auto insurance is quite easy. If you have a current auto insurance policy or need a new policy, you can use these techniques to cut your premiums while maintaining coverages. Vehicle owners just need to understand the most efficient way to get comparison rates online.

Don’t pay full price with these seven discounts

Insurance can cost an arm and a leg, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be manually applied before they will apply. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Claim Free – Claim-free drivers can save substantially when compared to bad drivers.
  • Memberships – Being a member of a civic or occupational organization may earn a discount when buying insurance for F-150 coverage.
  • Homeowners Pay Less – Simply owning a home can save you money because owning a home is proof that your finances are in order.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for F-150 coverage depending on your company.
  • Save over 55 – If you qualify as a senior citizen, you may receive better insurance rates for F-150 coverage.

A little note about advertised discounts, many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, insurance companies aren’t that generous. But any discount will help reduce your premiums.

To see a list of companies who offer insurance discounts, follow this link.

How to Compare Insurance Coverage

Cutting your insurance coverage rates is surprisingly easy. Just spend a few minutes on the computer comparing rates online from several insurance companies. This is very easy and can be done in a couple of different ways.

  • One of the simplest ways to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing separate quote forms to each individual insurance coverage company. A single, simple form compares rates direct from many companies.It’s the quickest way to get rates.
  • A harder way to shop for insurance coverage online requires a visit to each company website and request a quote. For instance, let’s assume you want rates from State Farm, Safeco and Travelers. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you which method you use, but compare exactly the same coverages for every quote you compare. If you enter differing limits it’s not possible to make an equal comparison.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions can help discover if your insurance needs would benefit from an agent’s advice.

  • How do I file an SR-22 for a DUI in my state?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I rent a car in Mexico?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I put collision coverage on all my vehicles?
  • How much liability coverage do I need in my state?
  • What is covered by UM/UIM coverage?
  • What if I total my 2004 Ford F-150 and owe more than it’s worth?
  • How can I find cheaper teen driver insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Insurance coverages 101

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Liability coverage

This coverage provides protection from damage that occurs to a person or their property by causing an accident. 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. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like legal defense fees, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford F-150.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hitting a bird, damage from flooding, vandalism and theft. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as nursing services, ambulance fees, rehabilitation expenses and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, rolling your car, crashing into a ditch, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

In conclusion

We just showed you many tips how you can get a better price on 2004 Ford F-150 insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising.

Discount insurance is possible on the web and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. A few companies may not provide online quoting and these small insurance companies work with independent agents.

People change insurance companies for many reasons like lack of trust in their agent, an unsatisfactory settlement offer, poor customer service and questionable increases in premium. It doesn’t matter what your reason, switching companies is less work than it seems.

Additional detailed information can be found at these sites: