2005 Ford F-150 Insurance Quotes – 8 Tricks for Best Rates

Having to pay for high-priced insurance coverage can stress out your savings and make it tough to pay other bills. Comparing cost estimates is a great way to ensure you are getting the best deal.

Due to the abundance of choices of insurance companies, it can be hard to pick the right insurance coverage provider.

Finding the lowest cost coverage can be fairly easy. Basically, every vehicle owner who carries insurance stands a good chance to be able to find lower rates. But consumers can benefit from knowing how big insurance companies determine prices and take advantage of how the system works.

The best way we recommend to get rate comparisons is to know the trick most insurance companies pay for the opportunity to quote your coverage. The only thing you need to do is give the companies some data including whether you are single or married, if a SR-22 is required, driver ages, and the year, make and model of vehicles. Your information is sent automatically to multiple top-rated companies and they provide comparison quotes almost instantly.

Lower your insurance coverage rates with these eight discounts

The price of auto insurance can be rather high, but you may find discounts that could help you make your next renewal payment. Some trigger automatically when you purchase, but some discounts are required to be manually applied before they will apply. If you don’t get every credit available, you are not getting the best rate possible.

• Bundle and Save – If you can bundle your auto and home insurance with one company you could earn a discount of 10% to 20% off each policy.
• Drivers Education – Have your child enroll in driver’s education if it’s offered in school.
• Military Rewards – Being on active deployment in the military may qualify for rate reductions.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy life insurance.
• Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
• Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiring. You can save around 10% with this discount.
• New Car Discount – Buying insurance coverage coverage on a new vehicle can save up to 30% due to better safety requirements for new model year vehicles.
• ABS and Traction Control Discounts – Cars with ABS and/or traction control prevent accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, it’s just not the way it works.

A few popular companies and a partial list of their discounts are detailed below.

• State Farm includes discounts for student away at school, accident-free, defensive driving training, Drive Safe & Save, passive restraint, multiple autos, and safe vehicle.
• Geico offers discounts for five-year accident-free, seat belt use, anti-lock brakes, driver training, emergency military deployment, anti-theft, and air bags.
• Progressive offers premium reductions for good student, homeowner, online quote discount, continuous coverage, online signing, multi-policy, and multi-vehicle.
• 21st Century policyholders can earn discounts including good student, defensive driver, automatic seat belts, early bird, and anti-lock brakes.
• American Family may have discounts that include air bags, good student, defensive driver, mySafetyValet, TimeAway discount, and accident-free.
• The Hartford may offer discounts for defensive driver, driver training, air bag, bundle, good student, anti-theft, and vehicle fuel type.
• AAA has savings for good student, pay-in-full, AAA membership discount, multi-car, and education and occupation.

If you need low cost car insurance quotes, ask every insurance company to give you their best rates. Depending on the company, some discounts might not be offered in every state.

You are unique and your auto insurance should be too

When choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different and your policy should reflect that. For example, these questions might help in determining whether your personal situation might need professional guidance.

• Am I covered if I crash into my own garage door?
• Am I better off with higher deductibles on my 2005 Ford F-150?
• Do I have coverage when making deliveries for my home business?
• Do I need replacement cost coverage on my 2005 Ford F-150?
• Does my liability insurance cover pulling a trailer or camper?
• Why am I required to buy high-risk coverage?
• What vehicles should carry emergency assistance coverage?
• Am I covered if my car is in a flood?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance policy coverages for a Ford F-150

Knowing the specifics of auto insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.

Auto collision coverage

Collision insurance pays for damage to your F-150 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, hitting a parking meter, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-150.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Liability insurance

Liability insurance will cover damage that occurs to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as pain and suffering, funeral expenses, loss of income and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, vandalism and hail damage. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses such as chiropractic care, surgery, ambulance fees and hospital visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage