1999 Ford F-150 Car Insurance Quotes

There isn’t a single person who loves paying for auto insurance, in particular when it costs too dang much.

Because you have many insurance companies to choose from, it’s nearly impossible to find the lowest cost company.

The quickest method to compare rate quotes takes advantage of the fact almost all companies participate in online systems to compare rate quotes. To get started, all you need to do is give them some information such as how much coverage you want, an estimate of your credit level, if your license is active, and how old drivers are. That rating data is then sent to multiple companies and you will receive price estimates instantly to find the best rate.

Use discounts to get cheaper auto insurance rates

Some providers don’t always advertise every discount they offer in a way that’s easy to find, so we took the time to find some of the best known as well as the least known discounts that you can inquire about if you buy insurance online.

• Low Mileage Discounts – Keeping the miles down on your Ford could qualify for cheaper premium rates.
• Anti-theft System – Cars with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Bundled Policy Discount – When you combine your home and auto insurance and insure them both with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
• Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
• Lower Rates for Military – Having a family member in the military could mean lower rates.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
• Distant College Student Discount – Children living away from home attending college and don’t have a car can receive lower rates.
• No Claims – Drivers who don’t have accidents get the best auto insurance rates when compared with frequent claim filers.
• Senior Discount – Drivers over the age of 55 can get a small discount on rates for F-150 insurance.

Policy discounts save money, but most credits do not apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, nobody gets a free ride.

A few of the larger companies and their possible discounts are shown below.

• Geico offers premium reductions for defensive driver, good student, driver training, emergency military deployment, air bags, membership and employees, and federal employee.
• MetLife may have discounts that include good student, claim-free, multi-policy, good driver, defensive driver, accident-free
• Progressive may include discounts for multi-policy, continuous coverage, homeowner, multi-vehicle, good student, and online signing.
• Travelers includes discounts for multi-car, student away at school, multi-policy, good student, and early quote.
• SAFECO has discounts for multi-car, drive less, anti-theft, teen safety rewards, and bundle discounts.
• AAA policyholders can earn discounts including multi-car, pay-in-full, good driver, good student, and anti-theft.

Double check with each company or agent which discounts can lower your rates. Some of the discounts discussed earlier may not apply in your area.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out if you would benefit from professional advice.

• How high should deductibles be on a 1999 Ford F-150?
• I have a DUI can I still get coverage?
• Is my Ford F-150 covered if I use it for business?
• Is business equipment covered while in my vehicle?
• Do I need replacement cost coverage?
• Is my teen driver covered when they drive my company car?
• Does my car insurance cover rental cars?
• Should I buy full coverage?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Smart buyers know how to get car insurance at a discount

Many different elements are taken into consideration when premium rates are determined. Some factors are common sense such as your driving record, although some other factors are more transparent such as whether you are married and annual miles driven.Smart consumers have a good feel for the different types of things that help determine the rates you pay for car insurance. When consumers understand what determines base rates, this enables you to make decisions that could help you find lower car insurance prices.

The following are some of the things used by insurance companies to determine rates.

• Low credit history equals high prices – Having a good credit score can be a huge factor in calculating your car insurance rates. If your credit score is not that good, you could pay less to insure your 1999 Ford F-150 by improving your rating. Insureds that have excellent credit scores tend to be less risk to insure than drivers with poor credit.
• Traffic violations increase costs – Your driving record impacts premiums far more than you think. Getting just one driving citation can increase the cost of insurance substantially. Attentive drivers get better rates than their less careful counterparts. People who have careless violations such as DUI, reckless driving or excessive speeding might be required by their state to submit a SR-22 or proof of financial responsibility with their state in order to legally drive.
• Does your vocation raise your prices? – Did you know your job can affect your rates? Jobs such as military personnel, social workers and emergency personnel generally have higher rates than the rest of us because of intense work-related stress and lots of time spent away from family. On the other hand, jobs such as professors, students and homemakers have the lowest average rates for F-150 insurance.
• Multiple policies with one company – Most major car insurance companies apply a discount for people that have more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, you still need to compare other insurance prices to help guarantee you have the best rates. Drivers may still find lower rates by buying from different companies
• Get cheaper premiums after the wedding – Having a spouse actually saves money when shopping for car insurance. Having a spouse is viewed as being more mature it has been statistically shown that married drivers tend to have fewer serious accidents.
• Insurance prices and driver gender – Statistics have proven that females tend to be a little less risky than males. This data doesn’t prove that women are BETTER drivers than men. Men and women are responsible for fender benders in similar numbers, but the men get into accidents with more damage. Not only are claims higher, but men receive more costly citations such as reckless driving.
• Continuous car insurance coverage lowers car insurance rates – Letting your insurance expire can be a quick way to drive up your policy premiums. Not only will you pay more, failure to provide proof of insurance can result in a fine, jail time, or a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
• An active policy claims history can cost you – If you are a frequent claim filer, you should expect higher premiums or even policy non-renewal. Insurance companies award discounts to drivers who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.

Specific coverage details

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle, a broken windshield and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, hospital visits and dental work. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. 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 only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision coverage – This will pay to fix damage to your F-150 from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, rolling your car and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Liability coverages – Liability coverage will cover damage that occurs to a person or their property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things like attorney fees, structural damage, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Don’t throw your cash in the trash

In this article, we covered a lot of tips how to lower your 1999 Ford F-150 insurance premium rates. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the best premium rates are with some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.

For more information, take a look at the articles below:

• Get the Right Protection (InsureUonline.org)
• What Insurance is Cheapest for a Ford F-150 in Jersey City? (InsuranceJerseyCity.com)
• How do I File a Claim? (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Anti-Lock Brake FAQ (iihs.org)