Save on 2017 Ford F-150 Car Insurance Quotes

Trying to find the cheapest insurance rates for your Ford F-150? Comparison shopping for insurance is always challenging for beginners to comparing rates online. Drivers have so many companies to choose from that it can easily become more work than you anticipated to find the best price.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. But consumers do need to learn how insurance companies price insurance differently and take advantage of how the system works.

Factors influencing Ford F-150 insurance rates

Consumers need to have an understanding of some of the elements that go into determining insurance coverage rates. Knowing what determines base rates enables informed choices that could result in lower insurance coverage prices.

Listed below are some of the items insurance coverage companies consider when setting premiums.

  • Marriage brings a discount – Having a spouse actually saves money on your insurance coverage policy. Having a significant other is viewed as being more mature and responsible and it’s proven that drivers who are married are more cautious.
  • Where you reside plays a part – Choosing to live in less populated areas is a positive aspect when it comes to insurance coverage. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. Less people living in that area means a lower chance of having an accident.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. These vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Ford F-150 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Optional equipment can affect rates – Driving a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • Occupation reflects on rates – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as real estate brokers, social workers and dentists tend to have the highest average rates due to high stress and long work hours. Other occupations such as scientists, historians and performers receive lower rates on F-150 insurance.
  • High credit ratings translate to low rates – A driver’s credit score is a large factor in your rate calculation. If your credit rating is lower than you’d like, you could potentially save money when insuring your 2017 Ford F-150 by improving your rating. People with excellent credit tend to be more responsible as compared to drivers with poor credit.

Do you qualify for a discount?

Companies do not advertise every available discount very clearly, so we took the time to find some of the more common and the more hidden discounts you could be receiving.

  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Memberships – Belonging to a professional or civic organization is a good way to get lower rates when shopping for insurance on F-150 insurance.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.

It’s important to note that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.

Insurance companies that may offer these discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Discounts might not be offered in your area.

What coverages do I need?

When it comes to buying proper insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I missing any policy discounts?
  • Is my 2017 Ford F-150 covered for smoke damage?
  • Am I covered when delivering products for my home-based business?
  • Does my 2017 Ford F-150 qualify for pleasure use?
  • What are the best liability limits?
  • Does my 2017 Ford F-150 need full coverage?
  • How high should deductibles be on a 2017 Ford F-150?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages

Knowing the specifics of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage – This provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles, medical expenses, funeral expenses and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, a tree branch falling on your vehicle and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for bills like pain medications, dental work, EMT expenses, funeral costs and surgery. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage will pay to fix damage to your F-150 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with another moving vehicle, crashing into a building, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

More quotes. Lower rates.

Throughout this article, we presented a lot of ways to shop for 2017 Ford F-150 insurance online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

Drivers leave their current company for any number of reasons including not issuing a premium refund, poor customer service, denial of a claim and high prices. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

Discount insurance is definitely available online and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance coverage companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

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