Cheap 2018 Ford F-150 Car Insurance Quotes

Wish you could get out of an underperforming, overpriced insurance coverage policy? Trust us when we tell you you’re not the only one. Vehicle owners have multiple car insurance companies to choose from, and although it’s a good thing to have a selection, too many choices makes it more difficult to locate the cheapest rates.

Locating cheaper coverage is simple if you know the tricks. If you have insurance now or are just looking to switch companies, you can use this information to cut your premiums while maintaining coverages. Consumers just need to understand the most effective way to compare company rates over the internet.

Car insurance quotes comparison

Getting a cheaper price on 2018 Ford F-150 insurance is actually quite simple. Just spend a few minutes to get quotes online with multiple companies. Shoppers can get rates in just a few minutes using one of these methods.

One of the simplest ways consumers can make multiple comparisons is a comparison rater form click to view form in new window. This type of form eliminates the need for separate quote forms to each individual car insurance company. A single form will return price quotes from car insurance companies with the best prices.

A different way to find more affordable insurance requires you to visit the website for every company you want to comare to complete a price quote. For example, we’ll assume you want to compare rates from Auto-Owners, State Farm and Farmers. In order to compare rates, you need to go to every website to enter the same coverage data repeatedly, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

How you compare quotes is your choice, just make sure you are using apples-to-apples coverage data for every company. If you are comparing higher or lower deductibles then you won’t be able to determine which company has the best rates.

Discount car insurance rates

Properly insuring your vehicles can get expensive, but there could be significant discounts that you may not know about. Some of these disounts will be visible at the time of quoting, but some may not be applied and must be specially asked for before you get the savings.

  • Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
  • Professional Memberships – Being in specific professional or occupational memberships or organizations could trigger savings on your bill.
  • Multiple Cars – Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • Drivers Ed for Students – Teen drivers should enroll in driver’s education in school.
  • Use Seat Belts – Forcing all vehicle occupants to use their safety belts could save 15% off PIP or medical payments premium.
  • Government Employee Discount – Employees or retirees of the government could qualify for a slight premium decrease for F-150 coverage with select insurance companies.
  • Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.

Policy discounts save money, but most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. If you do the math and it seems like you can get free auto insurance, you’re out of luck.

If you would like to see a list of providers that offer many of these discounts, follow this link.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that For example, these questions might help in determining if your insurance needs might need professional guidance.

  • How do I file an SR-22 for a DUI in my state?
  • What is the rate difference between pleasure use and commuting?
  • Is a fancy paint job covered?
  • Is my cargo covered for damage or theft?
  • Am I covered when driving in Canada or Mexico?
  • What is the difference between comprehensive and collision coverage?
  • When can I cancel my policy?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on most auto insurance policies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for dental work, hospital visits, rehabilitation expenses, nursing services and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, fire damage, damage from getting keyed and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.


Liability coverage can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

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 policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as bail bonds, structural damage, repair costs for stationary objects and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

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

Collision can pay for things such as driving through your garage door, sustaining damage from a pot hole, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Ford F-150.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comments About 2018 Ford F-150 Insurance

  1. Nelda Dominguez

    I chose to switch to 21st Century from Amica. I live in Tucson, AZ. Was with Amica. Bought it from an online quote.

  2. Catherine Curry

    Will GEICO cancel me for an at-fault accident?

  3. Todd Lamb

    From east side of Frederick, Maryland. Received rates from The General, American Family, Mercury, and a couple others for my Ford and I’m now saving $30 a month.

  4. Zulema Stanton

    Does Utah require a SR-22 after a DUI?

  5. Terry French

    All companies are crooks. From south side of Houston, TX. Quoted prices online for a 2018 Ford F-150. Ended up at about $330 savings annually. Went with 21st Century. Even increased coverage a bit. Can still barely afford it.

  6. Kindra Thompson

    Went with Esurance for my 2018 Ford F-150 and cut my rates about $370 a year.

  7. Charles Mckinney

    Anyone buy from AAA? I’m in Manchester, NH.