Lower Your 2017 Ford F-150 Insurance Rates

Searching for better auto insurance rates for your Ford F-150? Paying for high-priced Ford F-150 insurance can take a big chunk out of your savings account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income.

Drivers have multiple insurance companies to choose from, and although it’s nice to have a selection, it can be more challenging to compare company pricing.

It’s smart to get comparison quotes on a regular basis because prices fluctuate regularly. Despite the fact that you may have had the best deal on F-150 insurance a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you’re about to learn how to use online quotes to eliminate unnecessary coverages and save money.

Finding the best rates is not rocket science. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Nevertheless, car owners must know how insurance companies compete online and use this information to your advantage.

The best way we recommend to compare policy rates is to know the trick most of the bigger providers provide online access to compare rate quotes. To start a quote, the only thing you need to do is give them some information including level of coverage desired, how you use your vehicles, daily mileage, and if you’re married. Your rating data gets transmitted to many highly-rated insurers and they respond with quotes almost instantly.

To check rates for your , click here and find out if lower rates are available.

How to reduce Ford F-150 insurance rates

Auto insurance companies don’t always publicize all available discounts very clearly, so the following is a list of both well-publicized and the more hidden insurance coverage savings.

  • Defensive Driver – Taking a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on F-150 insurance.
  • Drive Less and Save – Keeping the miles down on your Ford could qualify for lower rates on the low mileage vehicles.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on F-150 insurance than less cautious drivers.
  • Accident Waiver – A handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on F-150 insurance with a few insurance coverage companies.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

A partial list of companies that may offer these discounts include:

Check with all companies you are considering what discounts are available to you. Some discounts might not be offered in your area.

Tailor your coverage to you

When buying adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether you might need an agent’s assistance.

  • Do I need added coverage for expensive stereo equipment?
  • Are my friends covered when driving my car?
  • How do I file an SR-22 for a DUI in my state?
  • Does having multiple vehicles earn me a discount?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if I break a side mirror?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Why you might be paying too much to insure your Ford F-150

Consumers need to have an understanding of some of the elements that go into determining insurance coverage rates. Understanding what determines base rates enables informed choices that can help you get much lower annual insurance costs.

Listed below are a few of the “ingredients” insurance coverage companies consider when setting your rates.

  • Your credit rating is important – Your credit rating is a big factor in calculating your insurance coverage rates. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit. If your credit history can use some improvement, you could potentially save money when insuring your 2017 Ford F-150 by spending a little time repairing your credit.
  • Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes have accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to receive more costly citations like reckless driving and DUI. Young males tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
  • Younger drivers pay higher rates – Youthful drivers are known to get distracted easily when behind the wheel so they pay higher insurance coverage rates. Older insureds are more responsible, statistically cause fewer accidents and receive fewer citations.
  • More than one policy can earn a discount – Most companies give discounts to policyholders who consolidate policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s still a good idea to comparison shop to ensure the best deal. You may still be able to find better rates by buying insurance from more than one company.

Slick advertising tricks that work

Insurance companies such as Progressive, Allstate and Geico consistently run ads on TV and radio. They all seem to make an identical promise about savings if you change your coverage to them. How do they all claim to save you money? This is how they do it.

Different companies have a certain “appetite” for the type of driver that earns them a profit. For example, a preferred risk might be profiled as over the age of 50, a clean driving record, and chooses high deductibles. A propective insured who meets those qualifications gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who fall outside the “perfect” profile will be charged higher prices which usually ends up with business not being written. The ads say “customers who switch” not “everybody who quotes” save that much. This is how insurance companies can confidently advertise the way they do. That is why drivers should get quotes from several different companies. Because you never know which insurance companies will have the lowest Ford F-150 insurance rates.

Car insurance 101

Understanding the coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Liability insurance – Liability insurance can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things such as court costs, pain and suffering and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses for prosthetic devices, doctor visits and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Ford F-150.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision – Collision insurance pays for damage to your F-150 from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, hitting a mailbox, backing into a parked car, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Don’t throw your cash in the trash

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. There are too many instances where an insured cut full coverage and learned later that it was a big mistake. Your goal should be to buy a smart amount of coverage at the best price while still protecting your assets.

Low-cost 2017 Ford F-150 insurance can be purchased both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

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