2015 Ford F-150 Car Insurance Rates – 9 Savings Tips

Finding low-cost insurance for a Ford F-150 can normally be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to find auto insurance online and we’ll show you the absolute fastest way to compare rates for a Ford and obtain the cheapest rates.

How to Lower Your Insurance Cost

All major insurance companies such as 21st Century, Allstate and State Farm allow you to get coverage prices on the web. The process is pretty painless as you just type in the coverages you want as detailed in the form. When the form is submitted, their rating system pulls your driving and credit reports and quotes a price.

Quoting online streamlines rate comparisons, but the time it takes to visit multiple sites and type in the same information can be a bit repetitive. But it’s absolutely necessary to perform this step if you are searching for the best price possible.

There is an easier way!

An easier way to locate the lowest prices utilizes a single form that analyzes rates from more than one company. The form is fast, eliminates form submissions, and makes price shopping online much easier. Once the form is submitted, it is quoted with multiple companies and you can pick any of the quotes returned.

If a lower price is quoted, it’s easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

In order to find out how much you can save on insurance, click here to open in new window and submit the form. If you have a policy now, it’s recommended you type in the coverages identical to your current policy. This makes sure you will get a rate comparison for similar insurance coverage.

Pay less by taking advantage of these nine discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not know about. Most are applied at the time of purchase, but some must be inquired about before you will receive the discount. If you don’t get every credit you deserve, you are throwing money away.

  • Accident Waiver – A few companies permit an accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • No Accidents – Drivers with accident-free driving histories pay less when compared to frequent claim filers.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current expiration date. The savings is around 10%.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Homeowners Pay Less – Owning a house may earn you a small savings because owning a home requires personal responsibility.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save up to 5%.

Keep in mind that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will help reduce your overall premium however.

For a list of providers with the best insurance coverage discounts, click this link.

Your coverage should be tailored to you

When it comes to buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • I don’t drive much so do I pay less?
  • Why am I required to buy high-risk coverage?
  • How does medical payments coverage work?
  • Does coverage extend to Mexico or Canada?
  • Do I need added coverage for expensive stereo equipment?
  • I have health insurance so do I need medical payments coverage?
  • How can I force my company to pay a claim?
  • Is my teen driver covered when they drive my company car?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Insurance coverage specifics

Understanding the coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from flooding, hail damage, damage from getting keyed, rock chips in glass and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like surgery, rehabilitation expenses and funeral costs. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as emergency aid, medical expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sustaining damage from a pot hole, rolling your car, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, 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.

Don’t be a big spender

Drivers who switch companies do it for a number of reasons such as questionable increases in premium, unfair underwriting practices, not issuing a premium refund and even lack of trust in their agent. Regardless of your reason for switching companies, finding a new company is less work than it seems.

We’ve covered many ways to lower your 2015 Ford F-150 insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers could even find that the most savings is with a small mutual company.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at the best price while still protecting your assets.

Much more information about auto insurance is located on the following sites: