Cheap 2010 Ford F-150 Insurance Cost

Trying to find low-cost insurance for a Ford F-150 can be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to find insurance coverage online and you need to know the quickest way to compare rates for a Ford and obtain the cheapest rates either online or from local insurance agents.

If you are insured now or need new coverage, you can learn to find better prices and still get good coverage. Locating the lowest cost car insurance is not that difficult. Drivers only need an understanding of the most efficient way to shop online.

How to compare car insurance quotes

Performing a rate comparison can take time and effort if you aren’t aware of the fastest way to get free quotes. You can spend countless hours driving to insurance companies in your area, or you can utilize online quoting to achieve your goal.

The majority of car insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and each company then returns a price quote based on the submitted data. This system prevents you from having to do quotation requests to each individual car insurance company. To find out what other companies charge click here (opens in new window).

One minor caviat to using this type of system is you are unable to specify the providers you will receive quotes from. So if you want to choose individual companies to request quotes from, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but compare nearly identical information on every quote you get. If you enter different values for each quote it will be next to impossible to determine which company has the best rates.

Are auto insurance companies telling the truth?

Consumers can’t escape the ads that promise big savings from the likes of State Farm, Allstate and GEICO. All the ads make an identical promise about savings just by switching your policy.

How is it possible that every company can make the same claim? You have to listen carefully.

All the different companies have a certain “appetite” for the driver they prefer to insure. For instance, this type of risk profile might be described as a married female, has no prior claims, and drives a safe vehicle. Any driver that fits those parameters will get very good premium rates and will probably cut their rates substantially.

Drivers who are not a match for the requirements will have to pay more expensive rates which translates to the customer buying from someone else. If you listen to the ad wording, they say “customers that switch” not “everyone who quotes” will save that much if they switch. That is how companies can state the savings. Because each company has a different risk profile, you really need to get price quotes at each policy renewal. It’s impossible to know which company will have the best rates at this point in time.

Are you getting every discount?

Some companies don’t necessarily list every discount very well, so the following is a list of some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

  • Discount for New Cars – Buying a new car model can cost up to 25% less because newer vehicles keep occupants safer.
  • Memberships – Belonging to a qualifying organization could qualify you for a break on your next renewal.
  • Discount for Swiching Early – Some insurance coverage companies reward drivers for renewing your policy before your current policy expires. It could save around 10% when you buy insurance online.
  • Drive Less and Save – Driving fewer miles can qualify you for slightly better insurance coveragerates than normal.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than spreading payments over time you may reduce your total bill.
  • Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance quote for F-150 coverage than drivers with accident claims.
  • Defensive Driver – Taking a course teaching defensive driver skills can save you 5% or more if your company offers it.
  • Discount for Multiple Policies – If you can combine your auto and homeowners policy with the same insurance company you may earn over 10 percent off each policy depending on the company.
  • Telematics Discount – Drivers that enable companies to monitor driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they have good driving habits.
  • Passenger Safety Discount – Vehicles equipped with air bags may qualify for discounts as much as 30%.

It’s important to note that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Insurance companies that may have these money-saving discounts may include but are not limited to:

If you need lower rates, check with all the companies which discounts they offer. Some credits might not be offered in your area. To see insurers who offer cheap insurance coverage quotes, click here.

When in doubt talk to an agent

When buying the best auto insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether your personal situation might need professional guidance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my Ford F-150 covered if I use it for business?
  • Can I rent a car in Mexico?
  • Does my liability insurance cover pulling a trailer or camper?
  • At what point should I drop full coverage?
  • When can I cancel my policy?
  • Does my 2010 Ford F-150 need full coverage?
  • How can I get high-risk coverage after a DUI?
  • Should I get collision insurance on every vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Detailed coverages of your auto insurance policy

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision insurance

Collision insurance pays for damage to your F-150 from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, hitting a parking meter, backing into a parked car, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage can cover injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as bail bonds, medical expenses, structural damage, funeral expenses and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, a tree branch falling on your vehicle and theft. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for funeral costs, prosthetic devices, hospital visits, chiropractic care and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

The best insurance company isn’t always the cheapest

Drivers leave their current company for a number of reasons such as lack of trust in their agent, not issuing a premium refund, high prices and delays in responding to claim requests. Regardless of your reason for switching companies, finding the right insurance coverage provider can be pretty painless.

As you shop your coverage around, never sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability coverage limits and learned later that they should have had better coverage. The goal is to find the BEST coverage at a price you can afford while still protecting your assets.

We just covered some good ideas how to shop for 2010 Ford F-150 insurance online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance coverage is with an unexpected company.

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Comments About 2010 Ford F-150 Insurance

  1. Sherita Delacruz

    If you’re a decent driver and live near Fargo, ND, check out Allstate. You might save some money. I’m a pretty good driver though.

  2. Marcene Frederick

    Progressive and State Farm were both pretty cheap in Boston, MA.

  3. Cory Jefferson

    Went with AAA for my F-150 and am saving around $570 a year.

  4. Zona Britt

    Great info, thanks for posting. I’m from Charlotte, North Carolina. I quoted with Auto-Owners, Farmers, and Sentry for my 2010 Ford F-150 and saved just over $180 a year. Left Eastwood to switch. I think they have home insurance too.

  5. Michael Ellison

    I got quite a few price quotes for a 2010 Ford F-150 in New York City, NY. Ended up at right around $380 every six months with Amica. Have an at-fault accident tho.

  6. Reena Holden

    Enjoyed the article. I’m in the north part of Bellevue, Nebraska. Can’t remember who all I quoted but I ended up saving about $40 each month. BTW speeding tickets are not good. Wish I didn’t have to insure at all.

  7. Harriett Schwartz

    I found affordable 2010 Ford F-150 insurance from Allstate in Portland, Maine.

  8. Tameka Macdonald

    Not sure if this is cheap. Found cheapest coverage with 21st Century for my Ford and saved about $390 a year. Can still barely afford it.

  9. Lisa Valdez

    From a town just southwest of Honolulu, HI. Quoted with Western Auto Insurance, AIG Insurance, GMAC, and MetLife for my 2010 Ford F-150 and I think I saved about $30 each month. It never hurts to quote around.

  10. Loyce Holloway

    I can’t pay high rates. Checking in from Saint Paul, MN. I got free quotes with USAA, American Family, Hartford, and Sentry for my 2010 Ford F-150 and saved just over $340 a year. Switched homeowners coverage too.

  11. Casey Chase

    Checking in from Portland, ME. I quoted with State Farm, The General, and Farmers for my F-150 and saved $453 a year. Insured with Esurance before. I quoted rates online then called them.