There are many options when looking for the best insurance on your Ford vehicle. You can get prices from a local agent or get quotes online to check prices from companies. Shopping for auto insurance by quoting online saves time, is easy to do and there is a good chance you might just save a little.
Comparing auto insurance rates direct online can be a challenge if you are a beginner to online quotes. But relax because comparing prices is actually very simple. Getting lower Ford F-150 insurance cost is a fairly straight forward process. All that's required is to invest a little time to get quotes online from several insurance companies. This is very easy and can be done by completing this short form.
Auto insurance rates paid to insure a Ford F-150 can vary widely and are calculated by many factors. Some of these factors include:
A final factor that will help determine Ford F-150 insurance quotes is the model year. New vehicles have a higher replacement value in comparison to later models so the costs to repair can inflate annual premiums. Conversely, more recent Ford vehicles may have a trim level with safety features such as dual-stage airbags, sideview assist mirrors, and active head restraints which can give discounted rates.
To get a better idea how much rates will be for your vehicle, select the year of your F-150 below.
This will cover damage that occurs to a person or their property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying higher limits if possible.
Collision coverage will pay to fix damage to your Ford from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.
Comprehensive auto coverage
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your Ford F-150 comprehensive insurance. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.
How Much are Ford F-150 Insurance Rates?