Save on 1999 Ford F-150 Car Insurance Rates

Looking for the cheapest insurance rates for your Ford F-150? Finding the cheapest insurance for your Ford F-150 could be difficult, but you can learn the following methods and make it easy. There are more efficient ways to buy insurance and we’ll show you the proper way to price shop coverage on a Ford and find the lowest price from both online companies and local agents.

Finding affordable coverage is quite easy. If you are insured now or need new coverage, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Drivers only need an understanding of how to compare prices online.

How to reduce 1999 Ford F-150 insurance rates

Auto insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so we researched both the well known as well as the least known insurance savings. If you aren’t receiving every discount available, you are paying more than you should be.

  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiration. It can save you around 10%.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings up to 30%.
  • Low Mileage Discounts – Keeping the miles down on your Ford could qualify for discounted rates on garaged vehicles.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Safety Course Discount – Taking a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Clubs and Organizations – Belonging to a professional or civic organization may earn a discount when buying insurance on F-150 insurance.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.

To see a list of insurance companies who offer insurance discounts, click here to view.

Why you might be paying too much to insure your Ford F-150

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get lower car insurance prices.

  • Car features impact rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Mature drivers pay less – Older drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets. Young drivers are known to be more careless behind the wheel and because of this, their car insurance rates are much higher.
  • Don’t get talked into coverage you don’t need – There are many extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages like personal injury protection, accidental death and motor club memberships may be costing you every month. They may seem like a good idea when talking to your agent, but if you don’t need them get rid of them and save.
  • The more you drive the more you pay – Driving more miles each year the higher your rates will be. The majority of insurers charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your F-150 may be costing you. Double check that your car insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
  • Adjust deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Ford from damage. Some instances where coverage would apply could be collision with another vehicle, vandalism, and windstorm damage. The deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more expense you are required to pay out-of-pocket, the less your car insurance will be on F-150 insurance.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can help discover if your situation might need an agent’s assistance.

  • When do I need to add a new car to my policy?
  • Can my teen drive my company car?
  • Is my state a no-fault state?
  • How much liability do I need to cover my assets?
  • Can I still get insurance after a DUI?
  • What happens if I owe more than my 1999 Ford F-150 is worth?
  • Does my medical payments coverage pay my health insurance deductible?
  • When should my teen driver be added to my policy?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance specifics

Learning about specific coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, hitting a deer, damage from getting keyed and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability

Liability insurance protects you from damage that occurs to other’s property or people in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

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 the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, driving through your garage door, crashing into a ditch, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

More quotes mean more savings

Budget-conscious 1999 Ford F-150 insurance is possible on the web and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

When shopping online for car insurance, it’s very important that you do not buy poor coverage just to save money. There are too many instances where someone dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at a price you can afford.

In this article, we covered a lot of techniques to save on insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from a small mutual company.

Additional car insurance information can be found at these links: