Save on 1992 Ford F-150 Insurance Cost

Looking for better car insurance rates? Shoppers have many options when shopping for the lowest priced Ford F-150 insurance. They can either spend hours calling around getting price quotes or utilize the internet to compare rates.

There is a right way and a wrong way to compare car insurance rates and we’ll show you the proper way to get price quotes on a Ford and obtain the lowest price.

Don’t overlook these insurance coverage discounts

Buying insurance coverage is not cheap, but there could be significant discounts to reduce the price significantly. Some of these disounts will be visible when you purchase, but a few need to be specifically requested prior to getting the savings.

  • Discounts for Cautious Drivers – Accident-free drivers can save up to 40% or more on their auto insurance quote for F-150 insurance than less cautious drivers.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Save with More Vehicles Insured – Having multiple vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up can save 10% or more off PIP or medical payments premium.
  • Telematics Data – Drivers who elect to allow their insurance coverage company to monitor their driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they exhibit good driving behavior.

Discounts save money, but please remember that many deductions do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, nobody gets a free ride.

The best insurance coverage companies and their possible discounts can be found below.

  • GEICO may include discounts for good student, driver training, emergency military deployment, military active duty, anti-theft, and federal employee.
  • SAFECO may offer discounts for teen safety rewards, multi-car, safe driver, homeowner, bundle discounts, and accident prevention training.
  • State Farm includes discounts for Drive Safe & Save, student away at school, driver’s education, anti-theft, safe vehicle, accident-free, and Steer Clear safe driver discount.
  • MetLife offers discounts including good student, claim-free, good driver, accident-free, defensive driver, and multi-policy.
  • 21st Century discounts include air bags, automatic seat belts, driver training, early bird, homeowners, and anti-lock brakes.
  • Progressive may have discounts that include good student, multi-policy, online quote discount, homeowner, multi-vehicle, continuous coverage, and online signing.

If you want affordable auto insurance quotes, ask every company to give you their best rates. A few discounts may not apply to policies in your state. To see a list of insurers that offer some of these discounts, click here.

Compare insurance rates

There are a variety of methods to compare insurance quotes, but some are more efficient than others. You could spend your day discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Many companies belong to a marketplace where insurance shoppers send in one quote, and each participating company returns a competitive quote based on that information. This prevents consumers from doing quote requests for every insurance company. To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to using this type of system is you are unable to specify the providers you will receive quotes from. If you wish to select specific providers to compare, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but try to keep exactly the same coverage limits and deductibles with every price quote. If the quotes have differing limits it’s not possible to determine the best price for your Ford F-150.

Insurance price influencing factors

Many factors are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but other criteria are not as apparent like where you live and annual miles driven.The best way to find cheaper car insurance is to take a look at the different types of things that help calculate the price you pay for car insurance. If you know what influences your rates, this enables informed choices that could result in lower premium levels.

Shown below are some of the things utilized by car insurance companies to help set your premiums.

  • Where do you drive? – The more you drive in a year the more it will cost to insure it. Many insurance companies apply a rate based upon how you use the vehicle. Cars and trucks used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. It’s always a good idea to double check that your car insurance coverage is showing the right rating data, because improper ratings can cost you money. Having the wrong rating on your F-150 may be costing you.
  • Safer occupants lowers rates – Cars with high safety ratings get lower rates. Vehicles built for safety protect occupants better and better occupant protection means lower claim amounts which can mean better rates for you.
  • Cheaper to insure gals? – The statistics show that females tend to be a little less risky than males. However, this does not mean women are better drivers. Women and men are in at-fault accidents in similar numbers, but men have costlier accidents. Men also tend to get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 have the highest risk to insure so it costs more to insure them.
  • Get married and get cheaper costs – Having a significant other can get you a discount compared to being single. Having a significant other generally demonstrates drivers are more mature and it’s statistically proven that drivers who are married are more cautious.
  • Drivers with responsible credit save – An insured’s credit score can be a huge factor in determining premium rates. If your credit rating could use some work, you could pay less to insure your 1992 Ford F-150 by improving your credit score. Drivers who have very high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Insurance companies don’t like frequent policy claims – If you tend to file frequent claims, you should expect higher premiums or even policy non-renewal. Auto insurance companies provide discounts to policyholders who are claim-free. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

When to get professional advice

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining if your situation will benefit from professional help.

  • When should I buy a commercial auto policy?
  • Does my insurance cover a custom paint job?
  • When can I cancel my policy?
  • Does liability extend to a camper or trailer?
  • Do I need replacement cost coverage on my 1992 Ford F-150?
  • Does my policy pay for OEM or aftermarket parts?
  • Who is covered when they drive my 1992 Ford F-150?
  • How much liability do I need to cover my assets?
  • Why do I need rental car insurance?
  • When should I remove comp and collision on my 1992 Ford F-150?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages explained

Understanding the coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair costs for stationary objects, medical services, structural damage, legal defense fees and emergency aid. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for surgery, doctor visits, X-ray expenses, funeral costs and prosthetic devices. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Ford F-150.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, hail damage, a tree branch falling on your vehicle and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage pays for damage to your F-150 resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Be Smart and Buy Smart

Drivers who switch companies do it for a number of reasons such as poor customer service, extreme rates for teen drivers, high rates after DUI convictions or policy non-renewal. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.

When you buy auto insurance online, do not sacrifice coverage to reduce premiums. There are many occasions where an insured cut full coverage only to find out that it was a big error on their part. The ultimate goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

We’ve covered many tips how you can save on 1992 Ford F-150 insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest car insurance rates come from the least-expected company.

More information is available on the following sites:

Comments About 1992 Ford F-150 Insurance

  1. Steve Hogan

    State Farm has the cheapest rates in Montana. No comparison.

  2. Tracey Allison

    Lots of useful info here. I live in San Jose, CA. Got car insurance quotes with GEICO, Liberty Mutual, and Esurance for my Ford and I’m now saving $20 a month. I only have liability coverage on it.

  3. Arnoldo Mccullough

    Nice post. I’m in the suburbs of Cincinnati, OH. Not sure of all the companies but I ended up saving about $20 each month.

  4. Elizebeth Townsend

    If you have a clean record and live near Henderson, Nevada, check out Allstate. I saved quite a bit. BTW speeding tickets are not good.

  5. Cleora Lee

    Here’s what I found out. From a town just southwest of Houston, TX. Can’t remember who all I quoted but I ended up saving about $20 each month. Wish I didn’t have to insure at all. I just carry liability insurance.

  6. Lori Saunders

    I’m just west of Seattle, Washington. Quoted prices online for a 1992 Ford F-150. Ended up at about $110 savings annually. Went with Progressive.

  7. Deborah Moss

    Any Allstate or Erie customers near Chesapeake, VA?

  8. Denese Clay

    Not sure if this is cheap. Quoted with State Farm for my 1992 Ford F-150 and saved about $100 a year. Left MetLife to switch.

  9. Carmel Leblanc

    Will Progressive cancel me if I have an accident?

  10. Adelle Bullock

    Enjoyed the article. I’m just north of Jacksonville, FL. Received quotes from 21st Century, Eastwood, and GMAC for my Ford and saved $100 a year. Good multi-policy discounts.

  11. Pearline Poole

    Looking for cheaper 1992 Ford F-150 insurance in Kailua, Hawaii. Help!

  12. Teresia Henson

    I’ve insured with 21st Century for a long time. Pretty cheap in Seattle, Washington.

  13. Yetta Castillo

    What exactly does liability cover?

  14. Adrian Massey

    Found cheapest coverage with USAA for my 1992 Ford F-150 and saved about $100 a year. Was with GMAC. Good multi-policy discounts. Book value doesn’t justify full coverage anymore.

  15. Maybelle Vazquez

    Can you buy custom paint coverage for a 1992 Ford F-150?

  16. Dion Dalton

    Is GEICO cheap in Chesapeake, VA?