2011 Ford F-150 Car Insurance Quotes

No one enjoys paying for car insurance, in particular when their premiums are too high.

Because there are so many car insurance companies to choose from, it’s difficult to choose the lowest cost insurer.

The best way we recommend to compare policy rates is to take advantage of the fact most of the bigger providers provide online access to give free rates quotes. The one thing you need to do is provide a small amount of information like the make and model of your vehicles, an estimate of your credit level, if you went to college, and if a SR-22 is needed. Your details is then submitted to insurance companies and you will receive price estimates almost instantly.

To start a quote now, click here and enter your coverage details.

Discounts to lower Ford F-150 insurance rates

Car insurance companies do not list every discount in an easy-to-find place, so we researched some of the best known and the more hidden ways to save on insurance.

  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Senior Discount – Older drivers may receive reduced rates on F-150 insurance.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • New Car Discount – Insuring a new car is cheaper since new cars are generally safer.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying your policy online.
  • College Student – Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on F-150 insurance than their less cautious counterparts.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you could get a free insurance policy, it just doesn’t work that way.

Insurance companies who might offer some of the above discounts are:

Before buying, ask each insurance company what discounts are available to you. Some discounts may not apply everywhere.

Ford F-150 insurance premiums are calculated by many factors

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

The list below includes some of the factors auto insurance companies consider when setting prices.

  • Always keep insurance in force – Letting your insurance expire will be a sure-fire way to pay more for auto insurance. And not only will insurance be more expensive, getting caught without coverage might get you a license revocation or jail time.You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • High deductibles save money – Your deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims would be running into the backend of another car, collision with an animal, or theft. The more you have to pay, the bigger discount you will receive on F-150 insurance.
  • Battle of the sexes – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Women and men have accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DUI and reckless driving.
  • With age comes lower rates – Older insureds tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Teen drivers are statistically proven to get distracted easily when behind the wheel therefore auto insurance rates are much higher.
  • Multiple policies with one company can save – Many insurance companies will give a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, you may still want to comparison shop to make sure you are getting the best deal.
  • Better credit means lower rates – A driver’s credit score is a big factor in calculating your auto insurance rates. If your credit is lower than you’d like, you could pay less to insure your 2011 Ford F-150 by spending a little time repairing your credit. People with good credit tend to be more responsible than drivers with poor credit.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether your personal situation might need professional guidance.

  • Am I missing any policy discounts?
  • Do I need an umbrella policy?
  • Who is covered when they drive my 2011 Ford F-150?
  • When would I need rental car insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if I break a side mirror?
  • Where can I find high-risk insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • What exactly is covered by my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Insurance specifics

Understanding the coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, fire damage, damage from flooding, vandalism and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

This protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as attorney fees, repair costs for stationary objects, legal defense fees, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like surgery, doctor visits, rehabilitation expenses and dental work. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage covers damage to your F-150 from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Ford F-150.

Because many people 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 should not be overlooked.

Never pay more for less

Cheap 2011 Ford F-150 insurance is attainable online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

When buying insurance coverage, never reduce coverage to reduce premium. There have been many cases where someone dropped uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.

For more information, link through to the resources below: