Compare 2011 Ford F-150 Car Insurance Rates

Finding the cheapest insurance for a Ford F-150 can normally be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to find insurance coverage online and we’ll show you the quickest way to price shop coverage for a Ford and get the lowest price either online or from local insurance agents.

If you are insured now or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Pricing affordable protection is easy if you know what you’re doing. Drivers just need to learn the most efficient way to compare price quotes online.

The fastest way that we advise to compare insurance rates from multiple companies is to take advantage of the fact all the major auto insurance companies participate in online systems to give you rate quotes. All consumers are required to do is give them some information like if you are currently licensed, coverage limits, if the vehicle is leased, and the type of vehicles you drive. Those rating factors is instantly sent to multiple different insurance companies and you should receive rate quotes with very little delay.

Insurance policy discounts you can’t miss

Some companies don’t always advertise all available discounts very clearly, so the following list contains both well-publicized and also the more inconspicuous ways to save on insurance. If you do not check that you are getting every discount you deserve, you are just wasting money.

  • Discounts for Safe Drivers – Insureds who avoid accidents may save up to 50% more on F-150 insurance as compared to drivers with claims.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the medical payments premium.
  • Telematics Data Discounts – Drivers that enable their company to study driving manner by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts if their driving habits are good.
  • Pay Upfront and Save – By making one initial payment instead of paying each month you can avoid monthly service charges.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as Progressive, Allstate, and GEICO may permit one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Claim Free – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote when compared to accident-prone drivers.
  • Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings of 25 to 30%.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if offered at their school.
  • New Car Discount – Insuring a new car can save you some money because newer models have to meet stringent safety requirements.

It’s important to understand that most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you could get a free insurance policy, company stockholders wouldn’t be very happy. Any amount of discount should help lower the amount you have to pay.

Some of the insurance companies that may offer policyholders these money-saving discounts include:

Double check with each company or agent which credits you are entitled to. Depending on the company, some discounts may not apply to policies in your state. To locate insurance companies that provide some of the discounts listed above, click here.

Insurance agents can help

When choosing adequate coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your situation may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Why do I need rental car insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • How can I find cheaper teen driver insurance?
  • What is an SR-22 filing?
  • Is my 2011 Ford F-150 covered for flood damage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Eight tips to get more affordable insurance costs

Consumers need to have an understanding of the factors that help calculate your car insurance rates. When you know what positively or negatively determines premiums, this allows you to make good choices that can help you get better car insurance rates.

Shown below are some of the major factors used by companies to determine premiums.

  • If you don’t need it don’t buy it – There are many additional coverages that can add up if you don’t pay attention. Things like rental car reimbursement, accidental death, and membership fees are examples of these. They may seem like a good idea at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Getting married can lower costs – Having a significant other may earn you lower rates when shopping for car insurance. Marriage may mean you are more mature and insurance companies reward insureds because married drivers tend to file fewer claims.
  • What are good liability insurance limits? – The liability section of your policy will provide protection when you are responsible for an accident. Liability insurance provides legal defense starting from day one. It is affordable coverage compared to other policy coverages, so buy as much as you can afford.
  • Low mileage costs less – Driving more miles in a year’s time the more it will cost to insure it. A lot of companies charge to insure your cars based on their usage. Autos not used for work or commuting receive better premium rates than those that get driven frequently. Double check that your car insurance policy is rated on the correct usage for each vehicle, because improper ratings can cost you money. An incorrectly rated F-150 may be wasting your money.
  • Bad credit will cost you – Your credit score factor in determining your rates. Insureds that have high credit scores tend to be better risks to insure than drivers with lower ratings. If your credit rating could use some work, you could potentially save money when insuring your 2011 Ford F-150 by improving your rating.
  • An active policy claims history can increase rates – Car insurance companies give most affordable rates to people who only file infrequent claims. If you are the type of insured that files lots of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Car insurance rates and job – Occupations like fire fighterspolice officers and accountants have higher rates than the rest of us because of intense work requirements and lots of time spent at work. Conversely, jobs such as scientists, athletes and the unemployed pay lower than average rates on F-150 insurance.
  • Insurance is expensive for youthful drivers – Older drivers are shown to be more cautious, file fewer claims and tend to be get fewer driving tickets.Young drivers are statistically proven to be careless and easily distracted with other occupants in the car so car insurance rates are higher.

Switch companies and save? Really?

Consumers can’t get away from ads for car insurance savings by companies like Progressive, Allstate and GEICO. They all advertise the message about how much you will save if you get a free auto insurance quote and switch your coverage.

How does every company sell you cheaper insurance coverage? Here is how they do it.

Insurance companies give the best rates for the type of driver they prefer to insure. For example, a profitable insured may need to be over the age of 45, has a clear driving record, and does not commute to work. A driver who matches those parameters will probably get the lowest prices and is almost guaranteed to save money with a new company.

Drivers who don’t meet these standards must pay a more expensive rate and this can result in business not being written. The trick companies use is to say “people who switch” not “everyone who quotes” save money. That is how insurance companies can confidently lure you into getting a quote. Different companies use different criteria so you need to compare many company’s prices. It is impossible to predict which insurance companies will have the lowest premium rates for your situation.

Learn about insurance coverages for a 2011 Ford F-150

Having a good grasp of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for nursing services, doctor visits, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, funeral expenses, repair costs for stationary objects, medical expenses and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a bird, vandalism and fire damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, crashing into a ditch, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

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 should not be overlooked.

Cheaper insurance is a realistic goal

Insureds who switch companies do it for any number of reasons including high prices, denial of a claim, being labeled a high risk driver or high rates after DUI convictions. Regardless of your reason, finding a great new company is easier than you think.

We just showed you quite a bit of information on how to get a better price on 2011 Ford F-150 insurance. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the most savings is with a small local company.

As you prepare to switch companies, you should never buy less coverage just to save a little money. In many instances, someone sacrificed uninsured motorist or liability limits only to discover later that it was a big mistake. Your aim should be to get the best coverage possible at the best possible price, but do not skimp to save money.

More tips and info about insurance coverage is located by following these links:

Comments About 2011 Ford F-150 Insurance

  1. Gabriele Hartman

    Just my two cents. I live in Providence, Rhode Island. I got free prices from Amica, Mercury, and Western Auto Insurance for my Ford and saved $256 a year. I get a discount for insuring multiple vehicles. I just quoted rates online.

  2. Lawanna Dunn

    Checking in from Burlington, VT. I got free rates from Auto-Owners, Erie, and Safeco for my 2011 Ford F-150 and I think I saved about $40 each month. Was with GMAC. I even had a DUI years ago. Hardly afford to drive anymore.

  3. Ulrike Pearson

    Will Allstate rates go up if I file a claim?

  4. Tom Mercado

    If you don’t have tickets and live in the vicinity of Madison, WI, check out 21st Century. They seem to be cheaper. Insured with Safeco before. I get multi-vehicle and multi-policy discounts. Still almost need a second mortgage.

  5. Rosalinda Bush

    Checking in from Raleigh, North Carolina. I don’t recall every quote but I ended up saving about $50 each month.

  6. Phillis Mcgee

    Hope my rates come down. Live in the western part of Owensboro, Kentucky. Received prices from Progressive, GMAC, and Eastwood for my F-150 and saved $404 a year. I have several vehicles insured with them.

  7. Ching Hernandez

    From Norman, Oklahoma. Got free quotes online for a 2011 Ford F-150. Ended up at about $400 savings annually. Went with Allstate. Left MetLife to switch. I get lower rates because of my clean driving record.