Compare 2017 Ford F-150 Car Insurance Quotes

If you are new to online price comparisons, chances are good that you are bewildered by the crazy number of insurance coverage companies offering insurance.

You should take the time to do rate comparisons on a regular basis since insurance prices are rarely the same from one policy term to another. Just because you found the lowest rate for F-150 coverage six months ago you will most likely find a better premium rate today. There is a lot of wrong information about insurance coverage online, but in a few minutes you can learn some excellent ideas to find cheap insurance coverage.

Insurance rates and discounts

Auto insurance companies do not advertise the entire discount list very well, so the following is a list of a few of the more well known and the more hidden ways to save on insurance.

  • No Claim Discounts – Drivers who don’t have accidents pay less when compared with bad drivers.
  • Discount for Swiching Early – A few insurance companies allow discounts for signing up prior to your current policy expiration. You may see this discount when you get insurance coverage quotes online.
  • Good Student Discount – Excelling in school may save as much as 25% on a insurance coverage quote. You can use this discount normally well after school through age 25.
  • Lower Rates for Military – Being deployed with a military unit could trigger a small discount.
  • Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Save with More Vehicles Insured – Buying a policy with several vehicles with the same insurance company could earn a price break for each car.
  • Low Mileage Discounts – Fewer annual miles on your Ford can qualify you for lower rates on the low mileage vehicles.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for F-150 coverage with certain companies.
  • One Accident Forgiven – Not a discount per se, but some companies like State Farm and GEICO will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
  • Own a Home and Save – Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.

It’s important to understand that most credits do not apply the the whole policy. Most cut individual premiums such as liability and collision coverage. So despite the fact that it appears you could get a free insurance policy, you aren’t that lucky.

A few of the larger companies and the discounts they provide are outlined below.

  • GEICO may offer discounts for multi-policy, military active duty, anti-theft, air bags, emergency military deployment, and multi-vehicle.
  • USAA may include discounts for defensive driver, loyalty savings, military installation, good student, and multi-vehicle.
  • Progressive policyholders can earn discounts including online quote discount, continuous coverage, homeowner, multi-policy, multi-vehicle, online signing, and good student.
  • American Family discounts include good driver, TimeAway discount, accident-free, bundled insurance, defensive driver, good student, and Steer into Savings.
  • Esurance offers discounts including defensive driver, DriveSense, emergency road assistance, paid-in-full, claim free, and multi-car.
  • Farmers Insurance may have discounts that include teen driver, bundle discounts, distant student, good student, switch companies, multi-car, and homeowner.
  • State Farm offers discounts for passive restraint, Steer Clear safe driver discount, multiple policy, good driver, driver’s education, safe vehicle, and anti-theft.

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering which discounts can lower your rates. All car insurance discounts may not be available in every state. To view providers with the best discounts, click this link.

The fastest way that we advise to compare insurance rates in your area is to know the trick car insurance companies pay for the opportunity to provide you with a free rate quote. The one thing you need to do is give the companies some data such as marital status, if the vehicle is leased, how old drivers are, and how much you drive. Your information gets transmitted to multiple auto insurance providers and you get price estimates immediately.

To start a rate quote now, click here and find out if lower rates are available.

Situations that may require an agent’s advice

When buying coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • Are my friends covered when driving my 2017 Ford F-150?
  • What can I do if my company won’t pay a claim?
  • Will my rates increase for filing one claim?
  • Is my custom paint covered by insurance?
  • When should I not file a claim?
  • Do I need replacement cost coverage on my 2017 Ford F-150?
  • Can I get a multi-policy discount?
  • Do I need more liability coverage?
  • Do I really need UM/UIM coverage?
  • Should I rate my 2017 Ford F-150 as pleasure use or commute?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Specific coverage details

Having a good grasp of your policy can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, fire damage, hitting a bird and theft. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like loss of income, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as EMT expenses, funeral costs, dental work and chiropractic care. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Collision protection

Collision insurance will pay to fix damage to your F-150 resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Have the Midas touch

Consumers who switch companies do it for a variety of reasons including lack of trust in their agent, being labeled a high risk driver, questionable increases in premium and even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is easier than you think.

Lower-priced 2017 Ford F-150 insurance is available on the web as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide internet price quotes and usually these smaller providers provide coverage only through independent insurance agencies.

You just learned many ways to compare 2017 Ford F-150 insurance premium rates online. The most important thing to understand is the more you quote insurance coverage, the better your comparison will be. You may even discover the lowest premium rates are with some of the lesser-known companies.

More tips and info about insurance coverage can be found in the articles below:

Comments About 2017 Ford F-150 Insurance

  1. Earlie Olson

    Is Allstate cheaper than Progressive in Provo, Utah?

  2. Mary Chan

    I chose to switch to 21st Century from AIG Insurance. I live in Great Falls, MT. BTW speeding tickets are not good.

  3. Lavon Foster

    I compared a lot of rate quotes for a 2017 Ford F-150 in Philadelphia, Pennsylvania. Ended up at darn near $560 every six months with American Family. Have a couple speeding tickets too.

  4. Timothy Burks

    From west side of Warren, MI. Quoted prices from 21st Century, Erie, and The General for my F-150 and I think I cut my rates about $60 each month.

  5. Avery Norman

    Found cheapest coverage with Allstate for my F-150 and saved around $480 a year. Was with Esurance. Moved home policy as well. You can get a rate quote online.

  6. Deedee Rivers

    I got a good deal I think. I live just outside Overland Park, KS. Got car insurance quotes from Auto-Owners, Eastwood, and Safeco for my Ford and saved just over $190 a year. Good savings if you bundle. Still almost need a second mortgage.

  7. Anabel Marquez

    Corporate greed I’m telling you. I live in a small town just outside of North Charleston, South Carolina. Compared quite a few companies. Saved darn near $40 a month. Allstate was the cheapest for me. Moved home policy as well. Online quotes are the way to go.

  8. Zona Chang

    Live in Oklahoma City, OK, and Progressive rates were best. Left Erie to switch. Thankfully I’m not a high risk driver. Not sure if rates are cheaper online or through an agent.

  9. Eda Oconnor

    Lots of useful info here. From northwest of Concord, New Hampshire. Not sure of all the companies but I ended up saving about $50 each month. I got a quote from their website.

  10. Lesa Cummings

    Affordable car insurance is a myth. Found cheapest coverage with Encompass for my Ford and cut my rates about $570 a year.