1997 Ford F-150 Insurance Cost – 5 Tips for Cheapest Prices

Want the cheapest insurance rates for your Ford F-150? Have you had enough of sacrificing other expenses to insure your Ford every month? You have the same problem as many other drivers.

Due to the fact that there are so many companies and agents to choose from, it can be diffult for drivers to pick the cheapest insurance company.

You should make it a habit to compare rates once or twice a year due to the fact that insurance prices are constantly changing. Even if you got the best rate on F-150 insurance at your last renewal you will most likely find a better premium rate today. Forget all the misinformation about insurance because you’re going to learn one of the quickest ways to save on insurance.

Finding the best rates is quite easy. If you have car insurance now, you will be able to reduce your rates substantially using this strategy. But consumers must learn the way insurance companies determine prices and apply this information to your search.

Take advantage of every insurance coverage discount

Insurance coverage is expensive, but there are discounts available that you may not know about. Certain reductions will be credited when you complete an application, but a few need to be inquired about before you get the savings.

  • College Student – Children who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
  • Telematics Data Discounts – Drivers who agree to allow their insurance coverage company to study vehicle usage remotely such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they show good driving skills.
  • Drivers Ed for Students – Require your teen driver to sucessfully take a drivers education course as it can save substantially.
  • Senior Citizens – Older drivers may be able to get a small decrease in premiums on F-150 insurance.
  • Own a Home – Being a homeowner can save you money because it means you have a higher level of financial diligence.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. Even though the math looks like it’s possible to get free car insurance, it’s just not the way it works. Any qualifying discounts should definitely cut your policy premiums.

Car insurance companies who might offer these discounts include:

When comparing rates, check with each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies in your area.

How to buy auto insurance

There are a lot of ways to compare auto insurance quotes, but one way is more efficient than others. You can waste a few hours (or days) talking to agents in your area, or you could save time and use online quoting for quick rates.

Many of the larger companies are enrolled in a marketplace that enables customers to complete one form, and each company can provide price quotes. This system prevents you from having to do quote requests to each company. To submit your quote information now, click here to open in new window.

The single downside to getting quotes like this is you are unable to specify the providers to receive prices from. So if you want to choose specific providers to compare, we put together a list of companies who write auto insurance in your area. Click here to view list.

Whichever way you choose to compare rates, make darn sure you compare exactly the same coverage limits and deductibles for each comparison quote. If your comparisons have different values for each quote it will be impossible to determine the lowest rate for your Ford F-150. Quoting even small variations in insurance coverages could mean much higher rates. And when price shopping your coverage, getting more free quotes helps locate more affordable insurance.

How to know if you need help

When choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out whether or not you will benefit from professional help.

  • When should I buy a commercial auto policy?
  • Does coverage extend to a rental car in a foreign country?
  • Can my babysitter drive my car?
  • How much can I save by bundling my policies?
  • Should I rate my 1997 Ford F-150 as pleasure use or commute?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need roadside assistance coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Be skeptical of insurance coverage ads

Respected companies like Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies try to convey promises that you can save just by moving your policy. It sounds good, but how can they all give you a better price? Just pay attention to how they say it.

All companies have specific criteria for the type of driver that earns them a profit. An example of a desirable insured might have to be over the age of 50, has other policies, and does not commute to work. A driver that hits that “sweet spot” is entitled to the best price and as a result will probably save a lot of money.

People who do not fit these stringent criteria may receive higher premium rates and this can result in the customer not buying. If you listen closely, the ads state “drivers who switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can make those claims. Because each company has a different risk profile, you need to compare free car insurance quotes often. It is just not possible to predict which company will be your best fit.

Educate yourself about insurance coverages

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Collision coverage

This pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, driving through your garage door and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Ford F-150.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane, rock chips in glass and fire damage. The highest amount you’ll receive from a 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.

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as loss of income, medical services, court costs, legal defense fees and attorney fees. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as pain medications, EMT expenses, rehabilitation expenses, ambulance fees and surgery. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Smart consumers save more

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage for the lowest price, but do not skimp to save money.

Some insurance companies may not offer rate quotes online and many times these regional insurance providers provide coverage only through independent insurance agencies. Affordable 1997 Ford F-150 insurance is definitely available both online in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture.

Additional insurance coverage information is available below:

Comments About 1997 Ford F-150 Insurance

  1. Hilario Raymond

    This is too expensive. I live south of Grand Forks, ND. Quoted quotes with Safeco, Esurance, Allstate, and Amica for my Ford and am saving around $90 a year. Was with Encompass. Are quotes cheaper online?

  2. Claudette Foley

    If you have a clean record and live around Dallas, TX, check out 21st Century. You might save some money. Moved home policy as well.

  3. Delicia Crosby

    From northwest of Oklahoma City, Oklahoma. Quoted with State Farm, The General, and Erie for my Ford and saved just over $80 a year. When should I drop full coverage?

  4. Penney Wheeler

    If you have a good history and are close to Des Moines, IA, check out State Farm. They seem to be cheaper. Insured with Farmers before. I have kids on my policy, too. Online quotes are the way to go.

  5. Juliana Estes

    From northwest of Grand Forks, ND. Quoted quotes with 21st Century, Amica, and some I forget for my F-150 and saved $74 a year. Left Amica to switch. Thankfully I have a good driving record. It’s too old for full coverage.

  6. Lionel Steele

    If you have a clean record and live near New York City, New York, check out Allstate. They seem to be cheaper. I increased coverages a little too. I got prices on the web.

  7. Warner Torres

    Proud to be from Las Vegas, NV. Quoted quotes from Western Auto Insurance, Amica, Hanover, and Sentry for my Ford and saved $95 a year. Left American Family to switch. Thankfully I have a good driving record. They were helpful in switching over. When should I drop full coverage?

  8. Leoma Bradford

    Affordable car insurance is a myth. I’m in the suburbs of Tacoma, Washington. Got prices from Safeco, Esurance, State Farm, and American Family for my Ford and I think I saved about $30 each month. Next renewal I’ll just do liability.

  9. Grazyna Huffman

    Great info, thanks for posting. I live on the north side of Honolulu, HI. Quoted prices online for a 1997 Ford F-150. Ended up at about $110 savings annually. Went with Allstate. Book value doesn’t justify full coverage anymore.