Trying to come up with a payment for expensive car insurance can take a big chunk out of your checking account and possibly require postponing other expenditures. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket.
Popular companies such as Geico, 21st Century and Progressive constantly blast consumers with catchy ads and it can be hard to separate fact from fiction and effectively compare rates to find the best deal.
There are a lot of ways to compare insurance coverage prices but one way is less labor-intensive and much quicker. You could waste time driving to agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.
Most of the best insurance companies take part in a program where insurance shoppers send in one quote, and every company returns a competitive quote determined by their information. This prevents consumers from doing quotation requests to every company.
To participate in this free quote system, click here to start a free quote.
The only drawback to getting quotes like this is buyers cannot specifically choose which companies to receive prices from. So if you want to choose specific providers to compare rates, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.
You can use whichever method you prefer to find lower rates, just make sure you compare nearly identical information for each quote you get. If you compare different values for each quote you will not be able to determine the lowest rate for your Ford F-150. Quoting even small variations in coverages can mean a large discrepancy in price. Keep in mind that more quotes will increase your chances of finding a lower rate than you’re paying now.
When it comes to buying coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might point out if you might need professional guidance.
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Understanding the coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.
Uninsured and underinsured coverage
This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Ford F-150.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability coverage protects against claims such as funeral expenses, bail bonds, medical services, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like X-ray expenses, chiropractic care, funeral costs, dental work and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like crashing into a ditch, hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Will State Farm cancel me for an at-fault accident?
It’s all a rip off. From east side of Sioux Falls, SD. Quoted a bunch of companies. Saved right around $50 a month. Progressive was the cheapest for me. Was with Erie.
If you have a good history and are close to Reno, Nevada, check out State Farm. They seem to be cheaper. Left Mercury to switch. Just go online and compare their rates.
Enjoyed the article. I live in a small town just outside of Columbus, GA. I quoted with 21st Century, Auto-Owners, and Esurance for my 2016 Ford F-150 and saved around $350 a year. Left MetLife to switch.
I was with Liberty Mutual last year but switched to Progressive. Live in Rochester, Minnesota. I used their online quote form to compare rates.
Enjoyed the article. I live in a small town just outside of Juneau, Alaska. Got car insurance rates from Amica, MetLife, and Travelers for my Ford and saved $438 a year. A clean driving record helps. It was easy to get rates.
Does GEICO insure teenage drivers?
Cheap is not always the best policy. Located in Chesapeake, VA. Quoted quotes from Travelers, Amica, Liberty Mutual, and Safeco for my Ford and I think I saved about $20 each month. Wish I didn’t have to insure at all.
Does Nevada require me to have car insurance?
If you have a good history and live near Aurora, Colorado, check out Allstate. You might get cheaper rates. I increased coverages a little too.
I was with The General last year but switched to Progressive. I’m from Phoenix, AZ. Was with MetLife.
What is UM/UIM coverage?
I got decent rates for a 2016 Ford F-150 in Wichita, KS. Ended up at darn near $110 every six months with American Family. Have an at-fault accident tho. It’s still not cheap enough.
GEICO and Allstate were both pretty cheap in Bangor, Maine.
Cheap is relative. From northwest of San Antonio, TX. I quoted with Allstate, AIG Insurance, and Erie for my 2016 Ford F-150 and saved just over $430 a year. Insured with AAA before. Even increased my liability limits. They offer free online rate quotes.
Just a quick comment on my experience. I’m in the west part of Chesapeake, VA. Quoted prices online for a 2016 Ford F-150. Ended up at about $300 savings annually. Went with Progressive. Left Eastwood to switch. I get multi-vehicle and multi-policy discounts. Did it all online.
Corporate greed I’m telling you. Proud to be from Tacoma, WA. Got free quotes online for a 2016 Ford F-150. Ended up at about $570 savings annually. Went with GEICO. Online quotes are the way to go.