1996 Ford F-150 Insurance Quotes

Looking for lower auto insurance rates? Shoppers have a choice when shopping for the best price on Ford F-150 insurance. They can either spend hours struggling with agents getting price quotes or use the internet to make rate comparisons.

There is a better way to buy auto insurance and we’ll show you the best way to compare rates for a new or used Ford and find the lowest price from local insurance agents and online providers.

You need to shop coverage around occasionally because rates are constantly changing. Even if you think you had the lowest rates for F-150 insurance a few years ago the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about auto insurance because we’re going to show you the fastest way to find better rates and still maintain coverage.

Vehicle Insurance Comparison

There are several ways to compare Ford F-150 auto insurance prices and some are less time-consuming than others. You can waste hours discussing policy coverages with agents in your area, or you can utilize the web to accomplish the same thing much quicker.

Most major companies enroll in a system where prospective buyers submit their information once, and each company then gives them pricing for coverage. This prevents consumers from doing quotation requests to each individual auto insurance company. To participate in this free quote system, click here (opens in new window).

The one disadvantage to pricing coverage this way is you can’t choose which providers you will receive quotes from. So if you prefer to pick specific insurance companies to compare prices, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, compare identical coverages and limits with each company. If you compare different deductibles it’s not possible to determine the best price for your Ford F-150.

These discounts can lower your rates

Car insurance can cost a lot, but there could be available discounts that many people don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but a few need to be requested specifically before they will apply. If you’re not getting every credit available, you are throwing money away.

New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
Bundle and Save – When you have multiple policies with the same company you may save approximately 10% to 15%.
Safe Drivers – Insureds without accidents may save up to 50% more for F-150 insurance than drivers with accidents.
Discount for Swiching Early – A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.
Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for F-150 insurance with select insurance companies.
Sign Online – Certain companies give back up to $50 just for signing your application on their website.
Fewer Miles Equal More Savings – Low mileage vehicles could qualify for a substantially lower rate.
Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Air Bag Discount – Vehicles equipped with air bags may earn rate discounts of more than 20%.
Distant Student – Youth drivers who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.

Keep in mind that some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will reduce your overall premium however.

For a list of providers offering auto insurance discounts, follow this link.

Different people need different coverages

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

How do I file an SR-22 for a DUI in my state?
Does coverage extend to my business vehicle?
Do I need PIP (personal injury protection) coverage in my state?
Am I missing any policy discounts?
Can I rate high risk drivers on liability-only vehicles?
Does medical payments coverage apply to all occupants?
Is my custom paint covered by insurance?
Am I covered if I drive in a foreign country?
Why am I required to get a high-risk car insurance policy?
Do I need an umbrella policy?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Insurance specifics

Knowing the specifics of insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as pain and suffering, medical services and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses for chiropractic care, X-ray expenses, hospital visits, dental work and surgery. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, theft and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford F-150.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these coverages are set the same as your liablity limits.

Collision coverage

This covers damage to your F-150 caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.