How Much Does 2009 Ford F-150 Insurance Cost?

Want the cheapest insurance rates for your Ford F-150? Cutting costs on insurance can be a challenge for consumers not familiar with shopping for insurance online. You have so many options that it can easily become a ton of work to find lower rates.

You should take the time to do rate comparisons before your policy renews due to the fact that insurance rates are usually higher with each renewal. If you had the lowest rates for F-150 coverage a year ago the chances are good that you can find a lower rate today. Starting now, forget all the misinformation about insurance because you’re going to learn one of the best ways to properly buy coverages and cut your premium.

This article will familiarize you with how car insurance quotes work and some tricks to saving. If you have car insurance now, you will be able to save some money using this strategy. But drivers do need to learn how the larger insurance companies sell insurance online because it can help you find the best coverage.

Car Insurance Prices

The are a couple different ways to compare quotes from local car insurance companies. One of the best ways to compare 2009 Ford F-150 insurance prices is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to compare a lot of rates at once is a comparison rater form click to view form in new window. This easy form prevents you from having to do multiple quote forms for each company. One simple form gets you coverage quotes from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. A different way to get comparison quotes is going to each company website to complete a price quote. For examples sake, let’s say you want comparison quotes from Nationwide, Farmers and Travelers. You would have to visit each site to enter your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  3. The most time-consuming method to compare rates is driving to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you have a need for the personal advice of a licensed agent. It is possible to get prices online and still use a local agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just compare the exact same information for every company. If you enter different deductibles then you won’t be able to determine which rate is truly the best. Just a small difference in insurance coverages can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes helps you find better pricing.

Save on 2009 Ford F-150 insurance

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied when you get a quote, but less common discounts must be manually applied in order for you to get them.

  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • No Charge for an Accident – Certain companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Student in College – Kids in college living away from home attending college and do not have a car may qualify for this discount.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for F-150 coverage than drivers with accident claims.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for F-150 coverage with select insurance companies.

Keep in mind that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. Any amount of discount will reduce the amount you have to pay.

Insurance companies that may offer some of the above discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Savings might not apply in your state.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my state a no-fault state?
  • Do I need replacement cost coverage?
  • Why am I required to get a high-risk car insurance policy?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered when driving a rental car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need motorclub coverage?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Ford F-150 insurance rates have many determining factors

An important part of buying insurance is that you know some of the elements that play a part in calculating car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with big savings.

Shown below are a partial list of the pieces that factor into rates.

  • Adjust deductibles and save – Deductibles for physical damage define the amount you are required to spend before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more expense you are required to pay out-of-pocket, the less your car insurance will be for F-150 coverage.
  • Drive less and save money – The higher the mileage driven in a year the more you will pay for car insurance. Almost all companies apply a rate based on how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates than those used for commuting. If your policy improperly rates your F-150 may be wasting your money. Double check that your car insurance declarations sheet properly reflects the correct usage for each vehicle.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • Multi-policy discounts can save money – Many insurance companies give discounts to policyholders who carry more than one policy. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even though this discount sounds good, you still need to compare rates to verify if the discount is saving money.
  • Liability coverage is cheap – Liability insurance is the coverage that protects you if a jury decides you are liable for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
  • Poor credit can mean higher rates – A driver’s credit score is a huge factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than those with lower ratings. If your credit rating is low, you could pay less to insure your 2009 Ford F-150 by spending a little time repairing your credit.
  • Always keep insurance in force – Allowing your car insurance policy to lapse is a guaranteed way to increase your car insurance rates. Not only will you pay more, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.

Parts of your car insurance policy

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverage

Collision coverage will pay to fix damage to your F-150 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, sideswiping another vehicle, scraping a guard rail, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills for things like hospital visits, doctor visits, prosthetic devices, EMT expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability

This coverage will cover damage that occurs to people or other property. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like medical expenses, court costs, legal defense fees, medical services and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford F-150.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, vandalism, damage from flooding, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Best coverage at the best price

Cheaper 2009 Ford F-150 insurance can be purchased from both online companies and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and most of the time these smaller companies sell through independent agents.

People who switch companies do it for many reasons like delays in paying claims, denial of a claim, not issuing a premium refund and lack of trust in their agent. It doesn’t matter why you want to switch switching insurance coverage companies can be pretty painless.

We covered a lot of ways to compare insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers may even find the best prices are with the least-expected company.

More detailed insurance coverage information is located at these sites: