2012 Ford F-150 Insurance Quotes – 9 Tricks for Cheaper Rates

Beginners to buying insurance online could find finding the lowest-priced car insurance quite difficult.

It’s important to compare prices before your policy renews because insurance rates fluctuate regularly. Even if you think you had the lowest price on F-150 coverage a few years ago there may be better deals available now. There is a lot of wrong information about car insurance online but we’re going to give you some tested techniques to slash your car insurance rates.

Lower rates by qualifying for these nine discounts

Companies don’t list every available discount in an easy-to-find place, so we break down some of the more common and the harder-to-find ways to save on auto insurance.

  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying your policy on their website.
  • Early Switch Discount – A few companies offer discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • Memberships – Affiliation with a civic or occupational organization could qualify you for a break on your policy on F-150 coverage.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on F-150 coverage than drivers with accidents.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of providers with the best auto insurance discounts, follow this link.

Car insurance is unique, just like you

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might help in determining if your situation could use an agent’s help.

  • Can I rent a car in Mexico?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I get a multi-policy discount?
  • Is my cargo covered for damage or theft?
  • Do I pay less for low miles?
  • Can I afford low physical damage deductibles?
  • What is PIP insurance?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Coverages available on your insurance policy

Having a good grasp of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Auto liability insurance

Liability insurance can cover damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims like medical services, court costs, bail bonds, loss of income and pain and suffering. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like nursing services, surgery, pain medications, funeral costs and dental work. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. 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 falling objects, fire damage, rock chips in glass and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford F-150.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Auto collision coverage

This coverage will pay to fix damage to your F-150 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, sustaining damage from a pot hole, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

You can do this!

We just showed you many tips how you can reduce 2012 Ford F-150 insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even discover the most savings is with a small local company.

People switch companies for any number of reasons including not issuing a premium refund, an unsatisfactory settlement offer, policy cancellation and delays in paying claims. Regardless of your reason for switching companies, finding a new company is less work than it seems.

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. In many cases, an insured dropped liability coverage limits only to regret at claim time that it was a big mistake. Your focus should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Additional detailed information can be read by following these links: