1990 Ford F-150 Insurance Quotes

Shoppers have lots of choices when shopping for affordable Ford F-150 insurance. You can either waste hours contacting agents getting price quotes or save time using the internet to make rate comparisons.

There are more efficient ways to find insurance online and we’ll show you the quickest way to quote coverages for a new or used Ford and locate the cheapest rates from both online companies and local agents.

Consumers should take time to take a look at other company’s rates once or twice a year since prices go up and down regularly. Just because you had the best deal for F-150 insurance last year you may be paying too much now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the best methods to get good coverage at a lower rate.

How to lower your insurance coverage cost

Many insurance companies like Allstate and Progressive allow you to get insurance quotes from their websites. Comparing prices online can be done by anyone as you just type in the amount of coverage you want into the form. When the form is submitted, their quoting system makes automated requests for your driving and credit reports and quotes a price.

Online price quotes helps simplify price comparisons, but the work required to visit multiple sites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to perform this step in order to find the best price on insurance coverage.

An easier way to locate the lowest prices uses one form to return rates from many companies. This type of form saves time, requires much less work on your part, and makes online quotes much simpler. After sending your information, it is rated and you are able to buy any or none of the returned quotes.

If the quotes result in lower rates, you can simply submit the application and buy the policy. This process can be completed in less than 10 minutes and you’ll know if lower rates are available.

If you want to find out if lower rates are available, click here to open in new window and submit the form. If you currently have coverage, we recommend you replicate the limits and deductibles identical to your current policy. This ensures you will have rate quotes for the exact same coverage.

How much insurance coverage do I need?

When choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

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

  • Is my cargo covered for damage or theft?
  • Can I get a multi-policy discount?
  • What companies insure drivers after a DUI or DWI?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How many claims can I have before being cancelled?
  • Should I have a commercial auto policy?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages for a Ford F-150

Learning about specific coverages of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Auto liability

Liability coverage will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not 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. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as structural damage, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, rehabilitation expenses and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford F-150.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, damage from flooding, damage from a tornado or hurricane and damage from getting keyed. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This coverage will pay to fix damage to your F-150 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comments About 1990 Ford F-150 Insurance

  1. Stephen Cash

    Does New York require me to have car insurance?

  2. Eva Francis

    For me, GEICO was by far the cheapest in Indianapolis, Indiana.

  3. Senaida Hughes

    Liked the article. Live in the northern part of Fort Wayne, Indiana. Got rates from Auto-Owners, MetLife, and Travelers for my F-150 and cut my rates about $90 a year. Left The General to switch. :)

  4. Marion Lopez

    Any Progressive or Farmers customers near Jersey City, NJ?

  5. Buster Winters

    Where is cheaper car insurance? I’m in the suburbs of Overland Park, Kansas. I quoted with 21st Century, American Family, and some I forget for my F-150 and I’m now saving $12 a month. Moved home policy as well. Anyone else drop full coverage?

  6. Janene Haney

    Cheaper not always better. From northwest of Rutland, VT. Quoted prices online for a 1990 Ford F-150. Ended up at about $110 savings annually. Went with 21st Century. It was easy to get rates. I don’t insure for physical damage though.

  7. Leta Schneider

    Where is cheaper car insurance? I live just to the east of Birmingham, AL. Got car insurance quotes from Auto-Owners, Eastwood, and Sentry for my F-150 and I’m now saving $13 a month.

  8. Carmelia Campbell

    I’ve insured with Progressive for a long time. Pretty cheap in Virginia Beach, Virginia.

  9. Beulah Rodgers

    I can’t pay high rates. I live on the east side of Juneau, AK. I got free quotes from 21st Century, Liberty Mutual, and Erie for my 1990 Ford F-150 and I’m now saving $23 a month. I have a couple other vehicles on the policy. I just carry liability insurance.

  10. Timothy Durham

    Good site, thanks. From a town just southwest of Owensboro, KY. Quoted with 21st Century, AAA, Erie, and GMAC for my 1990 Ford F-150 and saved around $60 a year. They have free quotes online.

  11. Cris Fields

    1990 Ford F-150 + 21st Century = GOOD RATES!

  12. Yong Mayer

    GEICO and State Farm were both pretty cheap in Las Vegas, NV.

  13. Dorthy Newman

    I’m in Pittsburgh, PA, and Progressive rates were affordable. Moved home policy as well. I don’t have comp or collision coverage.

  14. Brenna Murray

    If you have a clean record and live around Paterson, NJ, check out 21st Century. They seem to be cheaper. Insured with Hartford before. :) Book value doesn’t justify full coverage anymore.

  15. Wendie Robbins

    I got quite a few price quotes for a 1990 Ford F-150 in Des Moines, IA. Ended up at about $80 every six months with American Family. Left Travelers to switch. I think they have home insurance too. Just liability coverage since it’s getting old.

  16. Danilo Watkins

    I’m in Houston, Texas. Received quotes with State Farm, AAA, and Encompass for my 1990 Ford F-150 and saved just over $70 a year. :) It’s too old for full coverage.

  17. Hugo Fuentes

    I’m in the north part of Newark, DE, and Allstate rates were best. I got prices on the web.