Compare 2015 Ford F-150 Car Insurance Cost

Trying to find cheaper insurance for a Ford F-150 could be difficult, but you can learn the following methods to save time.

There are both good and bad ways to compare insurance rates and you need to know the quickest way to quote coverages on a Ford and get the lowest possible price either online or from local insurance agents.

If you are insured now or need new coverage, you can use these techniques to find the best rates while maximizing coverage. Locating more affordable insurance coverage is simple if you know the tricks. Vehicle owners only need an understanding of the best way to get comparison quotes over the internet.

How to get free insurance coverage quotes online

Finding a lower price on 2015 Ford F-150 insurance can be relatively painless. You just have to spend a few minutes to compare rate quotes to discover which company has low cost insurance quotes. Shoppers can get rates in several different ways.

The simplest way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do separate quotation requests for each price estimate. One quote request compares rates direct from many companies. Just one form and you’re done.

A more difficult way to find more affordable insurance requires visiting each company website to complete their respective quote request forms. For sake of this example, let’s say you want to compare prices for GEICO, Safeco and Travelers. In order to compare rates, you need to visit each site and enter your policy data, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make darn sure you compare apples-to-apples coverage data on every quote. If you use differing limits it’s not possible to get a fair rate comparison.

Are you getting every discount?

Some insurers don’t list every disount available very clearly, so the below list has both well-publicized and also the more inconspicuous insurance savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Discount for Low Mileage – Driving fewer miles can qualify you for cheaper prices.
  • Organization Discounts – Having an affiliation with a qualifying organization could trigger savings on insurance.
  • 55 and Retired – Seniors could receive reduced rates for F-150 insurance.
  • Telematics Discount – People who choose to allow companies to look at their driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they show good driving skills.
  • Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Defensive Driver Discount – Participating in a course in defensive driving can save you 5% or more if your company offers it.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, you’re out of luck. But all discounts should help reduce your policy premiums.

Large insurance companies and their offered discounts are outlined below.

  • Esurance may include discounts for renters, online shopper, claim free, DriveSense, anti-theft, and homeowner.
  • The Hartford has savings for good student, bundle, anti-theft, vehicle fuel type, and defensive driver.
  • AAA offers discounts for education and occupation, good driver, anti-theft, pay-in-full, and good student.
  • GEICO offers discounts including emergency military deployment, multi-vehicle, federal employee, daytime running lights, anti-theft, and membership and employees.
  • State Farm offers premium reductions for good student, Steer Clear safe driver discount, passive restraint, safe vehicle, student away at school, defensive driving training, and good driver.

If you want the cheapest insurance quotes, ask each company to give you their best rates. Some credits might not apply in your area. To see a list of insurance companies who offer discounts, click here.

When in doubt talk to an agent

When it comes to choosing the best auto insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help highlight whether your personal situation may require specific advice.

  • Am I covered if I crash into my own garage door?
  • Does my policy cover my teen driver if they drive my company car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I don’t drive much so do I pay less?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I insured when driving a different vehicle?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Get lower-cost insurance with these tips

The best way to find cheaper insurance is to take a look at the factors that come into play when calculating the rates you pay for insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that can help you get lower premium levels.

Shown below are a partial list of the pieces utilized by car insurance companies to help set rates.

  • How much liability – Your insurance policy’s liability coverage is the coverage that protects you if a court rules you are at fault for physical damage or personal injury to other. Your liability coverage provides for a legal defense up to the limits shown on your policy. It is affordable coverage as compared to coverage for physical damage, so drivers should carry high limits.
  • Low physical damage deductibles can be expensive – Insurance for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Ford. Some coverage claims are a broken side mirror, damage caused by hail, and windstorm damage. The deductibles state the amount of money you are willing to pay out-of-pocket if a claim is determined to be covered. The higher the amount you’re willing to pay, the bigger discount you will receive for F-150 insurance.
  • Premiums are affected by your address – Residing in smaller towns and rural areas of the country is a positive aspect when buying insurance. Lower population means reduced accidents and a lower car theft rate. City drivers tend to have congested traffic and a longer drive to work. More time commuting means higher likelihood of an accident.
  • Get hitched and get cheaper prices – Being married may cut your premiums on insurance. Having a significant other is viewed as being more stable financially and statistics prove married couples file fewer claims.
  • Your stress level may be raising your premiums – Did you know your job can affect your rates? Occupational choices like real estate brokers, architects and miners usually pay higher premium rates because of stressful work requirements and long work hours. On the flip side, careers like scientists, students and the unemployed receive lower rates for F-150 insurance.
  • How old are your drivers? – Young drivers have a tendency to be less responsible behind the wheel and because of this, their insurance rates are much higher. Older insureds tend to be more responsible, file fewer claims , and are generally more financially stable.
  • Vehicle theft costs us all – Selecting a car model with a theft deterrent system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your vehicle from being stolen.

Insurance coverage advertising gotchas

Drivers can’t get away from ads that promise big savings for switching from the likes of Progressive, GEICO, Allstate and State Farm. They all convey the message of big savings just by moving your coverage to them.

Is it even possible that every company can charge you less for car insurance? This is the way they can do it.

All companies have specific criteria for the type of customer that will add to their bottom line. For example, a profitable insured might have to be over the age of 45, has had continuous coverage, and drives less than 7,500 miles a year. A propective insured who fits those characteristics will get the preferred premium rates and will most likely pay quite a bit less when switching companies.

Potential customers who may not quite match these standards must pay higher prices and ends up with the customer buying from someone else. The wording the ads use say “customers that switch” not “everybody who quotes” can get the lowest rates when switching. This is how insurance companies can make it sound like they have such great rates.

Because of this risk profiling, it is so important to get as many free insurance quotes as possible. It’s just too difficult to predict which company will have the best prices.

Coverage specifics

Having a good grasp of car insurance can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your 2015 Ford F-150.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive protection – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage will pay to fix damage to your F-150 caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, crashing into a ditch, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Medical expense coverage – Coverage for medical payments and/or PIP pay for bills for X-ray expenses, surgery, dental work and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverages – Liability insurance protects you from damage that occurs to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like emergency aid, legal defense fees, medical services and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Do the work, save more money

Insureds switch companies for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, poor customer service and even unfair underwriting practices. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.

Low-cost 2015 Ford F-150 insurance is available from both online companies and from local insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies don’t offer online rate quotes and most of the time these smaller providers only sell through local independent agencies.

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There have been many cases where an insured cut comprehensive coverage or liability limits only to find out that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

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Comments About 2015 Ford F-150 Insurance

  1. Juliann Anderson

    I live in Las Vegas, NV. I quoted with 21st Century, AAA, and Encompass for my Ford and I’m now saving $17 a month.

  2. Orpha Johnson

    I’m looking for cheaper coverage. Proud to be from Wilmington, Delaware. Got prices from 21st Century, Amica, Encompass, and Hanover for my 2015 Ford F-150 and I think I saved about $70 each month.

  3. Adeline Marquez

    I got quite a few price quotes for a 2015 Ford F-150 in Seattle, WA. Ended up at roughly $160 every six months with Auto-Owners. Even increased coverage a bit.

  4. Glynis Cameron

    Does 21st Century settle claims fairly?

  5. Argelia Dorsey

    Affordable car insurance is a myth. Located in Davenport, Iowa. Got free quotes online for a 2015 Ford F-150. Ended up at about $200 savings annually. Went with 21st Century. Left Sentry to switch. Got better coverage too. It’s still not cheap enough.

  6. Helen Stewart

    Got pretty cheap 2015 Ford F-150 insurance from Progressive in Baton Rouge, LA.

  7. Deandre Banks

    If you don’t have tickets and live in the vicinity of Spokane, WA, check out State Farm. You might save some money. Was with Sentry.

  8. Mikaela Merrill

    Cheaper not always better. Live in the eastern part of Providence, Rhode Island. Got free quotes online for a 2015 Ford F-150. Ended up at about $470 savings annually. Went with State Farm. Insured with Liberty Mutual before. I’m a pretty low risk driver. :P

  9. Felipe Hawkins

    Anyone try to read their policy?

  10. Tana Lawrence

    Good detail in your article. From a town just southwest of Virginia Beach, VA. Quoted with Progressive, Amica, and Esurance for my Ford and saved just over $220 a year. They have a lot of discounts available. Can still barely afford it.

  11. Shante Compton

    Well-written and thought out article. Found cheapest coverage with Encompass for my 2015 Ford F-150 and saved around $420 a year. Left 21st Century to switch. BTW speeding tickets are not good. Get lots of quotes to find the best rate.

  12. Keeley Macdonald

    Great site. Found cheapest coverage with Auto-Owners for my Ford and cut my rates about $520 a year. God forbid I actually have a claim.

  13. Lilia Wilkinson

    Like your site, BTW. I live on the east side of Madison, WI. Got car insurance prices from Travelers, AAA, Hartford, and Sentry for my 2015 Ford F-150 and saved just over $570 a year. Switched homeowners coverage too. Wish I didn’t have to insure at all.

  14. Clora Fuentes

    If you’re a decent driver and are close to Oklahoma City, OK, check out Progressive. You might get cheaper rates. Was with Sentry. BTW speeding tickets are not good.