View 2009 Ford F-150 Insurance Rates

Consumers have lots of choices when looking for the lowest priced Ford F-150 insurance. You can either spend your time contacting agents to get rate comparisons or save time using the internet to make rate comparisons.

There is a better way to compare insurance coverage rates so you’re going to learn the quickest way to price shop coverage for a new or used Ford and locate the lowest possible price from local insurance agents and online providers.

It is always a good idea to get comparison quotes every six months since insurance rates trend upward over time. If you had the best price for F-150 insurance on your last policy a different company probably has better rates today. So just forget all the misinformation about insurance coverage because it’s time to teach you the only way to lower your annual insurance bill.

If you are insured now or are just looking to switch companies, you can use these tips to find better prices and still get good coverage. The purpose of this post is to let you in on the most effective way to quote insurance and some money-saving tips. Drivers only need an understanding of the proper methods to find the lowest price online.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically at the time of quoting, but some may not be applied and must be asked about before you get the savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more for F-150 insurance than less cautious drivers.
  • Safety Course Discount – Taking a driver safety course can save you 5% or more if your company offers it.
  • Claim Free – Good drivers with no accidents can save substantially compared to accident-prone drivers.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will cut the amount you have to pay.

Insurance companies that may have these money-saving discounts are:

Check with each company which discounts they offer. Some discounts might not be offered everywhere.

How do I know if I need professional advice?

When choosing the best car insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

These are some specific questions may help highlight whether your personal situation may require specific advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Who is covered when they drive my 2009 Ford F-150?
  • Does coverage extend to Mexico or Canada?
  • Does my policy cover my teen driver if they drive my company car?
  • How high should my medical payments coverage be?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I pay less for low miles?
  • What companies insure drivers after a DUI or DWI?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Ads can be misleading

Consumers constantly see and hear ads that promise big savings from companies such as 21st Century, Allstate and State Farm. They all seem to make an identical promise of big savings if you switch your policy.

How can each company make almost identical claims? It’s all in the numbers.

All companies can use profiling for the type of driver that earns them a profit. For example, a profitable customer could possibly be between 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any driver who fits that profile is entitled to the best price and therefore will save quite a bit of money when switching.

Consumers who are not a match for this ideal profile will be quoted higher prices which usually ends up with business not being written. The ad wording is “customers who switch” not “everybody who quotes” save money. That is how insurance companies can confidently state the savings.

This emphasizes why you absolutely need to get a wide range of price quotes. It is impossible to predict which company will have the lowest Ford F-150 insurance rates.

Specifics of your insurance policy

Knowing the specifics of insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Liability car insurance

Liability coverage will cover damage or injury you incur to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for 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. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like loss of income, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2009 Ford F-150.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

This will pay to fix damage to your F-150 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, sideswiping another vehicle, scraping a guard rail, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance covers 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 coverage pays for claims such as hail damage, falling objects, damage from getting keyed, vandalism and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses for nursing services, pain medications, surgery and funeral costs. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Quote more, save more

We covered a lot of tips how to shop for 2009 Ford F-150 insurance online. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies.

Cheaper insurance can be purchased both online as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some insurance providers don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

Insureds switch companies for a number of reasons such as policy cancellation, delays in responding to claim requests, extreme rates for teen drivers or questionable increases in premium. Regardless of your reason, finding a new company is actually quite simple.

To read more, take a look at the resources below: