1994 Ford F-150 Insurance Rates

Trying to find cheaper auto insurance rates for your Ford F-150? No one looks forward to paying for auto insurance, especially knowing they could find better rates elsewhere.

Consumers have many car insurance companies to pick from, and even though it’s nice to be able to choose, it can be more difficult to find the lowest rates.

It’s smart to get comparison quotes once or twice a year because auto insurance rates tend to go up over time. Just because you found the best deal on F-150 insurance two years ago there is a good chance you can find better prices now. Ignore everything you know about auto insurance because I’m going to teach you the right way to find lower rates on auto insurance.

The method we recommend to compare car insurance company rates is to take advantage of the fact most of the larger companies will pay a fee to give rate comparisons. To begin a comparison, all you need to do is provide the companies a bit of rating information like whether you are married, if you require a SR-22, how many miles driven, and your credit rating estimate. Your information is instantly sent to insurance carriers in your area and you get price estimates almost instantly.

To start a rate quote now, click here and find out if you can get cheaper insurance.

You are unique and your insurance coverage should be too

When it comes to buying the best insurance coverage coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help you determine if your insurance needs will benefit from professional help.

• What if I don’t agree with a claim settlement offer?
• What is an SR-22 filing?
• When should I buy a commercial auto policy?
• Does my personal policy cover me when driving out-of-state?
• Why does it cost so much to insure a teen driver?
• Do all my vehicles need collision coverage?
• Can I afford to buy a different vehicle if my 1994 Ford F-150 is totaled?
• Does coverage extend to a rental car in a foreign country?
• Is my camper covered by my car insurance policy?
• How can I force my company to pay a claim?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Insurance coverage basics

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages available from insurance companies.

Collision coverage

Collision insurance covers damage to your F-150 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, crashing into a building, hitting a mailbox, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability

Liability coverage protects you from damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as court costs, medical services, bail bonds and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for things like EMT expenses, funeral costs and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they 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.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, damage from a tornado or hurricane and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.