2014 Ford F-150 Car Insurance Rates – 7 Tips for Cheapest Quotes

Want cheaper insurance coverage rates for your Ford F-150? Nobody that owns a car anticipates paying for insurance coverage, especially knowing they are paying too much.

Online insurance companies like GEICO and Progressive all claim big savings, bombarding you with ads and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

Smart consumers take time to compare prices as often as possible because insurance coverage prices change quite often. Even if you got the best price on F-150 insurance six months ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate how to use the internet to eliminate unnecessary coverages and save money.

If you have car insurance now, you should be able to cut costs considerably using this information. Choosing the best insurance company for you is quite easy. Nevertheless, drivers do need to know how companies price online insurance and apply this information to your search.

Cheaper rates by getting these seven discounts

Some companies don’t always publicize every available discount in a way that’s easy to find, so the list below details some of the more common and also the lesser-known discounts you could be receiving when you buy auto insurance online.

  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premium rates.
  • Low Mileage Discounts – Keeping the miles down on your Ford may allow you to get better premium rates on cars that stay parked.
  • Defensive Driver – Taking time to complete a course teaching defensive driving skills could possibly earn you a 5% discount and also improve your driving technique.
  • Theft Deterent – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
  • Government Employee Discount – Having worked for a branch of the government could cut as much as 10% off on F-150 insurance with a few insurance coverage companies.
  • Paperwork-free – Some companies may give you up to $50 just for signing your application over the internet.

One thing to note about discounts is that most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Larger insurance coverage companies and the discounts they provide are included below.

  • Travelers includes discounts for early quote, IntelliDrive, multi-policy, home ownership, good student, and student away at school.
  • 21st Century may offer discounts for homeowners, student driver, automatic seat belts, 55 and older, theft prevention, good student, and defensive driver.
  • State Farm may have discounts that include driver’s education, good driver, accident-free, defensive driving training, and passive restraint.
  • GEICO offers discounts for emergency military deployment, federal employee, driver training, membership and employees, multi-vehicle, and anti-theft.
  • SAFECO offers premium reductions for anti-theft, homeowner, safe driver, accident prevention training, bundle discounts, teen safety rewards, and drive less.
  • AAA has discounts for AAA membership discount, multi-car, good driver, anti-theft, pay-in-full, education and occupation, and multi-policy.

Before purchasing a policy, check with each insurance company which discounts you may be entitled to. Some credits may not apply to policyholders in your area. To see a list of insurers that offer the discounts shown above, click here.

Your insurance coverage should be tailored to you

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

  • I have a DUI can I still get coverage?
  • Are my friends covered when driving my 2014 Ford F-150?
  • Am I covered when driving in Canada or Mexico?
  • What exactly is covered by my policy?
  • Is my custom paint covered by insurance?
  • When should I drop full coverage on my 2014 Ford F-150?
  • Am I better off with higher deductibles on my 2014 Ford F-150?
  • How many claims can I have before being cancelled?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Why you might not save $437 a year

Auto insurance providers like Progressive, Allstate and GEICO regularly use ads in print and on television. They all make an identical promise about savings if you change your policy. But how can every company make almost identical claims? It’s all in the numbers.

Insurance companies give the cheapest rates for the type of insured that will not have excessive claims. An example of a driver they prefer may be a mature driver, has never had a policy lapse, and drives less than 5,000 miles a year. Someone who meets those qualifications receive the lowest rate quotes and will most likely save when they switch companies.

Potential customers who do not meet these standards will probably be forced to pay a higher rate with the end result being the customer buying from a different company. The trick is to say “drivers who switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can state the savings. Each company has different criteria, so drivers must get auto insurance quotes as often as possible. Because you never know which auto insurance company will have the best prices at this point in time.

Car insurance coverage breakdown

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages offered by car insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like doctor visits, dental work, pain medications and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage pays for damage to your F-150 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability

This can cover injuries or damage you cause to people or other property by causing an accident. 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. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like attorney fees, court costs and funeral expenses. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford F-150.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, a tree branch falling on your vehicle, damage from flooding, hitting a deer and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Knowledge is power

Cheap 2014 Ford F-150 insurance can be sourced on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not offer rate quotes online and many times these small insurance companies only sell through independent agents.

In this article, we covered a lot of ways to lower your 2014 Ford F-150 insurance rates. It’s most important to understand that the more you quote auto insurance, the better your comparison will be. You may even discover the lowest rates are with a smaller regional carrier. Smaller companies often have lower car insurance rates on specific markets compared to the large companies like Allstate or State Farm.

As you quote auto insurance, it’s a bad idea to reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage and learned later they didn’t have enough coverage. Your goal is to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

Additional learning opportunities

Comments About 2014 Ford F-150 Insurance

  1. Cristobal Anderson

    I live on the south side of San Jose, CA. Quoted quotes with The General, Amica, Nationwide, and a couple others for my F-150 and cut my rates about $470 a year. Was with Safeco. Not sure if rates are cheaper online or through an agent.

  2. Lamar Hamilton

    This is too expensive. I’m in the suburbs of Charleston, SC. Quoted prices online for a 2014 Ford F-150. Ended up at about $90 savings annually. Went with Allstate.

  3. Tatum Guerra

    I’m from Owensboro, Kentucky. Quoted with USAA, Auto-Owners, GMAC, and Nationwide for my F-150 and I think I saved around $60 each month. I recommend comparing lots of rates.

  4. Ok Calhoun

    Are custom wheels covered by insurance?

  5. Ela Maldonado

    Will GEICO do a SR22 in Minnesota?

  6. Debrah Dominguez

    Hope my car insurance gets cheaper. I’m in the west part of Boston, MA. I compared lots of rates. Saved darn near $30 a month. GEICO was the best choice for me.

  7. Kent Petersen

    Lots of useful info here. Checking in from Paterson, NJ. Got car insurance rates from American Family, Nationwide, and a few others for my 2014 Ford F-150 and cut my rates about $480 a year. Left Progressive to switch.

  8. Cathryn Rollins

    If you’re a decent driver and are close to Montgomery, AL, check out Allstate. They seem to be cheaper. Hardly afford to drive anymore.

  9. Sonya Haynes

    If you have a good history and live around Boston, MA, check out GEICO. They seem to be cheaper. Insured with Hartford before. Thankfully I’m not a high risk driver.

  10. Elfreda Fitzgerald

    Anyone understand their policy?

  11. Alfredo Shields

    Hope my car insurance gets cheaper. Live in Worcester, Massachusetts. Received quotes with American Family, Sentry, and some smaller one I can’t remember the name of for my Ford and saved just over $120 a year. Good savings if you bundle. It was easy to get rates.

  12. Willette Robertson

    If you have a good history and live near Grand Forks, ND, check out Progressive. You might get cheaper rates. Insured with GMAC before. I get multi-vehicle and multi-policy discounts.

  13. Vannesa Wood

    I live just to the west of Huntington, West Virginia. Quoted with Amica, MetLife, and a few others for my F-150 and saved just over $290 a year. I get multi-vehicle and multi-policy discounts. Get lots of quotes to find the best rate.

  14. Chris Zimmerman

    Got a quote with Auto-Owners for my 2014 Ford F-150 and saved around $470 a year. Good savings if you bundle.