1990 Ford F-150 Car Insurance Cost – 7 Tricks for Best Prices

Want better car insurance rates for your Ford F-150? Finding low-cost car insurance on the internet may be rather challenging for consumers new to comparison shopping online. With so many insurers available, how can consumers have a chance to compare the different rates to find the best pricing?

Consumers should take time to do rate comparisons periodically because prices fluctuate regularly. Just because you found the best rates for F-150 insurance a year ago you can probably find a better price now. Block out anything you think you know about car insurance because you’re about to find out the fastest way to find great coverage at a great price.

Finding affordable coverage is quite easy. If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. Nevertheless, consumers need to learn how big insurance companies sell online and take advantage of how the system works.

Best discounts on 1990 Ford F-150 coverage

Companies that sell car insurance don’t always list every discount very well, so we researched some of the more common and the harder-to-find insurance savings.

  • No Claims – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Own a Home – Being a homeowner can help you save on insurance because maintaining a house is proof that your finances are in order.
  • Defensive Driver – Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks just for signing your application online.
  • Multiple Vehicles – Having multiple vehicles with the same company may reduce the rate for each vehicle.
  • Clubs and Organizations – Participating in a professional or civic organization may earn a discount on insurance for F-150 insurance.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, insurance companies aren’t that generous.

For a list of insurers with discount insurance rates, click here.

Finding Auto Insurance Deals

There are several ways to compare Ford F-150 auto insurance quotes, and some are more efficient than others. You could waste time talking about coverages with agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

The majority of car insurance companies participate in an industry program where prospective buyers submit their information once, and each company returns a rated price for coverage. This saves time by eliminating quote requests to each individual auto insurance company. To compare 1990 Ford F-150 rates now click here (opens in new window).

One minor caviat to using this type of form is that consumers can’t choose which carriers you want pricing from. So if you prefer to pick specific insurance companies for rate comparison, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

However you get your quotes, be sure to compare apples-to-apples coverages and limits for each comparison quote. If the quotes have differing limits it’s not possible to make a fair comparison for your Ford F-150. Slightly different coverage limits could mean much higher rates. Keep in mind that getting more free quotes gives you a better chance of getting a lower rate.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.

  • Am I better off with higher deductibles on my 1990 Ford F-150?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my liability insurance cover pulling a trailer or camper?
  • I have health insurance so do I need medical payments coverage?
  • How do I insure my teen driver?
  • Do I need more liability coverage?
  • Are my friends covered when driving my car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my car insurance cover rental cars?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Can you really save $385 a year?

Auto insurance companies such as Progressive, Allstate and GEICO consistently run ads in print and on television. They all seem to say the same thing that you’ll save big if you change your policy. How does each company make almost identical claims?

All the different companies can use profiling for the driver that makes them money. A good example of a preferred risk could possibly be between the ages of 30 and 50, is a homeowner, and drives newer vehicles. A driver who meets those qualifications will get very good rates and as a result will probably save quite a bit of money when switching.

Consumers who don’t meet the “perfect” profile will be charged higher premiums which leads to the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that much. That is how insurance companies can confidently advertise the savings. That is why it is so important to quote coverage with many companies. Because you never know which insurance companies will fit your personal profile best.

Coverage specifics

Knowing the specifics of insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, damage from flooding, falling objects, damage from getting keyed and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like dental work, hospital visits, prosthetic devices and X-ray expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverage

This provides protection from damages or injuries you inflict on other’s property or people. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as structural damage, medical services, emergency aid and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Don’t be a big spender

Lower-priced 1990 Ford F-150 insurance can be found on the web and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, you should never skimp on coverage in order to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at the best price.

In this article, we presented quite a bit of information on how to save on insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from a smaller regional carrier.

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