Compare 2011 Ford F-150 Insurance Quotes

Want the cheapest car insurance rates for your Ford F-150? Saving money on car insurance is always challenging for people who are new to comparison shopping online. Drivers have so many choices that it can turn into a real hassle to locate the lowest price.

It’s a good habit to check car insurance prices before your policy renews because prices change regularly. Despite the fact that you may have had the best price on F-150 coverage on your last policy you may be paying too much now. So just forget all the misinformation about car insurance because you’re going to learn the fastest way to save money, get proper coverage and the best rates.

Finding affordable coverage is quite easy. Basically, everyone who is required by state law to have insurance coverage should be able to cut their insurance bill. Nevertheless, drivers must comprehend the methods companies use to price online insurance and use this information to your advantage.

Free Insurance Coverage Quotes

Shopping for lower insurance coverage rates can be challenging if you don’t understand the easiest way. You could waste time discussing policy coverages with agents in your area, or you can utilize the internet to get pricing more quickly.

Many of the larger companies participate in a marketplace that allows shoppers to submit their information once, and at least one company then returns a price quote based on that information. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To use this form to compare 2011 Ford F-150 insurance rates click to open in new window.

The only downside to pricing coverage this way is that you can’t choose which companies to get pricing from. So if you want to choose specific providers to request quotes from, we have a listing of low cost insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but be sure to compare identical coverage limits on every quote you get. If the quotes have higher or lower deductibles it will be very difficult to determine which rate is truly the best. Having just a slight variation in insurance coverages may cause a big price difference. And when quoting insurance coverage, remember that obtaining a wide range of quotes gives you a better chance of getting lower pricing.

Discounts can save BIG

Companies that sell car insurance don’t always list every available discount very well, so we researched both well-publicized and the more hidden discounts you could be receiving.

  • Claim Free – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.
  • Low Mileage – Driving fewer miles can earn a substantially lower rate.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.

Keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.

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

Will just any policy work for me?

When buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • How many claims can I have before being cancelled?
  • When would I need rental car insurance?
  • Does insurance cover tools stolen from my truck?
  • Are split liability limits better than a combined single limit?
  • Is a fancy paint job covered?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance policy coverages for a 2011 Ford F-150

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants 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 carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability car insurance

Liability coverage will cover damage or injury you incur to people or other property. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like pain and suffering, attorney fees, medical expenses and funeral expenses. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as ambulance fees, doctor visits, surgery and prosthetic devices. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like damaging your car on a curb, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive auto insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, damage from getting keyed, theft and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.