Compare 2004 Ford F-150 Insurance Rates

There isn’t anyone who fancies paying their premiums for insurance, especially when they know the prices are way too high. Having so many different company options, it can be hard to pick a more affordable insurer.

Six tips to get cheaper insurance rates

Smart consumers have a good feel for the rating factors that go into determining your insurance rates. When you understand what positively or negatively impacts your premiums, this enables informed choices that may result in lower rates.

  • Do you work long hours in a demanding vocation? – Do you have a high-stress occupation? Occupational choices like lawyers, social workers and emergency personnel generally have higher average rates due to stressful work requirements and lots of time spent at work. On the flip side, jobs such as scientists, students and the unemployed have the lowest average rates on F-150 coverage.
  • Youthful drivers cost more – More mature drivers are viewed as being more responsible, statistically cause fewer accidents .Young drivers have a tendency to be inattentive and easily distracted when driving with friends so insurance rates are higher.
  • Liability is peace of mind – The liability section of your policy will afford coverage when you are found to be at fault for damages from an accident. It will provide you with a defense in court which can be incredibly expensive. It is affordable coverage compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Safer vehicles that cut insurance rates – Choosing a vehicle with advanced anti-theft systems can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Credit rating impacts premium costs – Having a bad credit score factor in your rate calculation. People that have very high credit ratings tend to be better risks to insure as compared to drivers with poor credit. Therefore, if your credit history leaves room for improvement, you could be paying less to insure your 2004 Ford F-150 by improving your credit score.
  • Add-on coverages are wasting money – There are a lot of extra bells and whistles that may not really be needed on your F-150 policy. Insurance for replacement cost coverage, accident forgiveness, and Farm Bureau memberships are examples of these. They may seem like a good idea when discussing your needs, but if you’ve never needed them in the past get rid of them and save.

Save money by receiving discounts

Insurance coverage can be pricey, but there are discounts available that may help make it more affordable. Some trigger automatically when you quote, but once in a while a discount must be manually applied prior to receiving the credit.

  • Theft Prevention System – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
  • Telematics Data Discounts – Policyholders that allow their insurance coverage company to look at when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot could save a few bucks if they have good driving habits.
  • ABS and Traction Control Discounts – Cars equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Accident-Free Discounts – Claim-free drivers pay much less as compared to policyholders that have many claims.
  • Paper-free Discount – Some of the larger companies will give a small break simply for signing on the web.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. So even though you would think all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and a summarized list of policyholder discounts are shown below.

  • State Farm policyholders can earn discounts including passive restraint, driver’s education, good student, good driver, multiple autos, Drive Safe & Save, and defensive driving training.
  • American Family may have discounts that include early bird, good student, TimeAway discount, air bags, bundled insurance, and mySafetyValet.
  • AAA offers discounts for good driver, AAA membership discount, good student, multi-car, anti-theft, and multi-policy.
  • GEICO may include discounts for defensive driver, anti-lock brakes, membership and employees, federal employee, emergency military deployment, and air bags.
  • Mercury Insurance includes discounts for type of vehicle, good driver, professional/association, accident-free, and age of vehicle.
  • Farmers Insurance discounts include pay in full, teen driver, homeowner, distant student, alternative fuel, multi-car, and good student.
  • Progressive has savings for multi-policy, multi-vehicle, homeowner, online signing, good student, and continuous coverage.

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering which discounts can lower your rates. Some credits might not be offered on policies in your area. If you would like to choose from a list of insurers that offer multiple discounts, click this link.

Tricks in insurance advertising

Consumers get pounded daily by advertisements for the lowest price insurance from the likes of State Farm, GEICO and Progressive. They all seem to make the same claim about savings if you move to them.

How can each company give you a better price? Here is the trick they use.

Different companies have specific guidelines for the type of driver they prefer to insure. A good example of a profitable risk profile may be a married female, owns their home, and drives a vehicle with a low ISO rating. Any person who matches those parameters will get very good car insurance rates and have a good chance to cut their rates substantially.

People who do not match this stringent profile will get more expensive rates which translates to the customer not purchasing. The wording the ads use say “people that switch” but not “all drivers who get quotes” can save as much as they claim. That is how companies can make those claims. This really illustrates why drivers should get as many free insurance coverage quotes as possible. It is impossible to guess which company will give you lower prices than your current company.

Your insurance coverage should be tailored to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining if your situation will benefit from professional help.

  • Can my teen driver be rated on a liability-only vehicle?
  • When should I buy a commercial auto policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when delivering products for my home-based business?
  • Am I insured when driving a different vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Am I getting all the discounts available?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays 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 liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision coverage

This covers damage to your F-150 resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, hitting a mailbox, sustaining damage from a pot hole, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for funeral costs, X-ray expenses, prosthetic devices and surgery. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage covers 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 protects against claims like fire damage, falling objects and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

Liability coverage can cover damage that occurs to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like loss of income, pain and suffering and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Money doesn’t grow on trees

We’ve covered a lot of tips how to shop for 2004 Ford F-150 insurance online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may be surprised to find that the biggest savings come from a small mutual company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.

Budget-friendly auto insurance can be bought from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and most of the time these regional insurance providers provide coverage only through independent insurance agents.

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

To learn more, feel free to visit the resources below:

Comments About 2004 Ford F-150 Insurance

  1. Agueda Maddox

    I’m in Pittsburgh, PA. Got car insurance quotes with Auto-Owners, Eastwood, and Safeco for my F-150 and saved about $90 a year. BTW speeding tickets are not good. It’s too old for full coverage.

  2. Latia Giles

    In Fayetteville, Arkansas, Progressive auto insurance rates for my 2004 Ford F-150 were good. Even increased my liability limits. I dropped full coverage awhile back.

  3. Penny Ayala

    I got quite a few price quotes for a 2004 Ford F-150 in Tucson, AZ. Ended up at darn near $120 every six months with AAA. I increased coverages a little too. Just waiting to see how claims go.

  4. Laine Calderon

    Live in the southern part of Salem, Oregon. Got quotes with Auto-Owners, Sentry, and a few others for my 2004 Ford F-150 and saved $103 a year. I’m a pretty good driver though. Full coverage costs too much.

  5. Krystal Maddox

    I live in a small town just outside of Honolulu, Hawaii. I got free prices from Progressive, Liberty Mutual, and Esurance for my 2004 Ford F-150 and cut my rates about $70 a year. Was with Auto-Owners. I get multi-vehicle and multi-policy discounts. It was easy to get rates. It’s too old for full coverage.

  6. Marylou Horton

    Live in Cincinnati, OH, and Allstate rates were best.

  7. Chau Wyatt

    In San Jose, CA, Progressive is a good choice. I quoted rates online then called them. Full coverage costs too much.

  8. Lean Lane

    Will GEICO cancel my policy for a liability claim?

  9. Misti Curtis

    I compared a lot of rate quotes for a 2004 Ford F-150 in Portland, ME. Ended up at right around $100 every six months with American Family. It’s still not cheap enough. I don’t insure for physical damage though.

  10. Eileen Deleon

    I got quite a few price quotes for a 2004 Ford F-150 in Greensboro, NC. Ended up at darn near $120 every six months with AIG Insurance. Was with Travelers. They offer free online rate quotes.

  11. Kaitlyn Ellis

    Where is cheaper car insurance? I’m from Boston, MA. I compared lots of rates. Saved right around $20 a month. Progressive was the cheapest option for me. Left 21st Century to switch. Liability only on my Ford.

  12. Wilfred Hess

    I found pretty cheap rate quotes for a 2004 Ford F-150 in Fayetteville, AR. Ended up at right around $120 every six months with Auto-Owners. I even had a DUI years ago.

  13. Brendan Taylor

    It all costs too much. I live just outside Augusta, Georgia. Got car insurance prices from Auto-Owners, Nationwide, and USAA for my F-150 and saved $60 a year. Thankfully I have a good driving record. They offer free online rate quotes.

  14. Neda Martinez

    Is a custom audio system covered by insurance?

  15. Gricelda Hull

    If you don’t have tickets and live in the vicinity of Rio Rancho, NM, check out State Farm. They seem to be cheaper. Left Farmers to switch. I don’t put full coverage on it.

  16. Savannah Vance

    If you have a good history and live near Dallas, Texas, check out 21st Century. They seem to be cheaper. Even increased coverage a bit.

  17. Danika Diaz

    If you have a good history and live around Salem, OR, check out GEICO. You might save some money. Next renewal I’ll just do liability.

  18. Mauricio Key

    Anyone compare Progressive and Allstate rates in San Antonio, TX?