1991 Ford F-150 Insurance Quotes

Locating the cheapest insurance for a Ford F-150 can be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the quickest way to price shop coverage for a Ford and get the lowest possible price.

Finding insurance coverage

Reducing your 1991 Ford F-150 insurance rates isn’t really that difficult. Just take the time getting comparison quotes online with multiple companies. Rate comparisons can be done by using one of the methods below.

The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do repetitive form entry for each price estimate. One form submission gets rate comparisons from insurance coverage companies with the best prices. It’s the fastest way to compare.

A harder way to find better pricing consists of going to each company website and get a separate price quote. For instance, let’s say you want to compare rates from State Farm, Safeco and GEICO. You would be required to spend time going to each site individually and enter your policy data, which can take a lot of time. For a list of companies in your area, click here.

The approach you take is up to you, just ensure you’re using equivalent coverage data on every price quote you get. If you have different limits and deductibles on each one it’s impossible to determine which company has the best rates.

When to get professional advice

When it comes to buying adequate coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions might point out whether or not you would benefit from professional advice.

  • Are my friends covered when driving my car?
  • Is there coverage for injuries to my pets?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I crash into my own garage door?
  • Will my rates increase for filing one claim?
  • Does coverage extend to Mexico or Canada?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Insurance coverage considerations

Understanding the coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Coverage for collisions

This coverage covers damage to your F-150 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, rolling your car, sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, vandalism and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills such as dental work, rehabilitation expenses and nursing services. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Auto liability insurance

This protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU from legal claims by others. 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 policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as court costs, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comments About 1991 Ford F-150 Insurance

  1. Dominga Brock

    Got pretty cheap 1991 Ford F-150 insurance from GEICO in Jackson, MS.

  2. Janessa Fowler

    Hope my rates come down. I live on the west side of Billings, MT. Not sure of all the companies but I ended up saving about $20 each month. Was with GMAC. Have an at-fault accident tho.

  3. Elroy Short

    From north side of Wichita, KS. Not sure of all the companies but I ended up saving about $30 each month. When should I drop full coverage?

  4. Ellan Hansen

    What are minimum liability limits required in Mississippi?

  5. Floria Reese

    Anyone buy from AAA? I’m in Burlington, VT.

  6. Tomika Murray

    In Kailua, HI, Allstate is a good choice. Only insure liability on my F-150.

  7. Carlos Wong

    Progressive is decent in Phoenix, AZ.

  8. Parker Mays

    Will Allstate give a discount for driver training?

  9. Devon Adkins

    I live just outside Reno, Nevada. Quoted a bunch of companies. Saved right around $20 a month. Progressive was the most affordable for me. Insured with GMAC before. They have free quotes online.

  10. Fawn Lott

    Good detail in your article. Checking in from Rochester, NY. Quoted rates from GEICO, AIG Insurance, and some I forget for my F-150 and saved just over $110 a year. Thankfully I’m not a high risk driver. They were helpful in switching over. Just liability coverage since it’s getting old.

  11. Christiane Dudley

    Does Kentucky require me to have car insurance?

  12. Oren Frye

    I got quite a few price quotes for a 1991 Ford F-150 in Mobile, Alabama. Ended up at roughly $70 every six months with American Family. Was with GMAC. I’m thinking about dropping full coverage though.

  13. Lashonda Roberts

    Will GEICO insure with a DUI in Allentown, PA?

  14. Amber Morton

    Like your site, BTW. I live in a small town just outside of South Burlington, VT. Checked online prices for a 1991 Ford F-150. Ended up at about $120 savings annually. Went with Allstate.

  15. Rebbeca Soto

    From east side of Dallas, TX. Got free quotes online for a 1991 Ford F-150. Ended up at about $100 savings annually. Went with 21st Century. Still almost need a second mortgage.