Want lower car insurance rates for your Ford F-150? Feel like you’re a prisoner to high-priced car insurance? Trust us, there are lots of people in the same boat. Many insurers vie for your business, so it can be very hard to choose a insurance company to get the best price available.
Smart consumers take time to compare prices yearly because car insurance rates tend to go up over time. If you had the best deal for F-150 insurance at your last renewal you can probably find a better price now. Block out anything you think you know about car insurance because we’re going to show you the tricks you need to know to reduce your cost while increasing coverage.
If you have insurance now or are just looking to switch companies, you can learn to find better prices while maintaining coverages. Finding the best rates is not rocket science. Consumers just need to know the most effective way to compare rates online.
Companies don’t always list every policy discount very well, so we researched some of the more common and the harder-to-find savings tricks you should be using when you buy insurance online.
Policy discounts save money, but most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, it’s just not the way it works. Any qualifying discounts will help lower your overall bill.
Auto insurance companies that may have some of the above discounts include:
Before buying, ask all companies you are considering to give you their best rates. A few discounts may not be available in your state. If you would like to view insurance companies that provide some of the discounts listed above, click this link.
There are a lot of ways to shop for insurance coverage, but one way is less time-consuming than others. You could waste time driving to insurance companies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.
Most of the larger companies participate in an industry program that enables customers to submit their information once, and at least one company can provide price quotes based on that data. This prevents consumers from doing quote forms to each individual insurance coverage company.
To use this form to compare rates click here to open in new window.
One minor caviat to pricing coverage this way is that you can’t choose which carriers you want pricing from. So if you prefer to choose from a list of companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click to view list.
It’s up to you which method you use, but do your best to enter apples-to-apples quote information on every quote. If you compare different coverage information it’s impossible to determine which company has the best rates.
When choosing the best insurance coverage coverage, there really is not a “best” method to buy coverage. Each situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.
If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.
Having a good grasp of your insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.
Liability – Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for things like attorney fees, court costs, structural damage, repair costs for stationary objects and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills like chiropractic care, rehabilitation expenses, EMT expenses, hospital visits and dental work. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford F-150.
Due to the fact that many drivers only carry the minimum required liability 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.
Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like rolling your car, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.
Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like damage from a tornado or hurricane, rock chips in glass, fire damage, hitting a deer and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
You just learned a lot of ways to reduce 2013 Ford F-150 insurance auto insurance rates online. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. Consumers could even find that the most savings is with an unexpected company. They may have significantly lower premium rates on certain market segments than their larger competitors like Allstate and Progressive.
As you quote insurance, never sacrifice coverage to reduce premiums. In many cases, drivers have reduced full coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at a price you can afford while still protecting your assets.
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