How Much Does 1992 Ford F-150 Insurance Cost?

Locating the cheapest insurance for a Ford F-150 can normally be difficult, but you can use the following methods and make it easy.

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

Best discounts on 1992 Ford F-150 coverage

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you quote, but a few need to be inquired about before you will receive the discount. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Senior Discount – Mature drivers may be able to get a discount up to 10% on F-150 coverage.
  • Homeowners Pay Less – Being a homeowner can save you money because owning a home demonstrates responsibility.
  • Low Mileage Discounts – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Paperwork-free – Certain companies will give a small break just for signing your application over the internet.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

To see a list of insurance companies with discount car insurance rates, click this link.

Insurance Prices

Finding a lower price on 1992 Ford F-150 insurance is not a difficult process. Drivers just need to take a couple of minutes comparing price quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the best ways to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing repetitive form submissions to each individual insurance company. One simple form compares rates from insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. Another way to shop for insurance online is to take the time to go to each individual company website to complete a price quote. For example, let’s say you want to compare USAA, 21st Century and American Family. To find out each rate you need to go to every website to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming method to compare rates is driving around to local insurance agencies. The internet has reduced the need for local agents unless you prefer the professional guidance that only a license agent can provide. Drivers can get prices online and still use a local agent and we’ll touch on that later.

Whichever way you use, be sure to compare the exact same information for every quote you compare. If the quotes have different deductibles it will be very difficult to determine which rate is truly the best.

Tailor your coverage to you

When choosing adequate coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining if your insurance needs might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need added coverage for expensive stereo equipment?
  • Should I rate my 1992 Ford F-150 as pleasure use or commute?
  • Is my babysitter covered when using my vehicle?
  • Should I put collision coverage on all my vehicles?
  • Can I make deliveries for my home business?
  • Do I need higher collision deductibles?
  • Am I covered if I drive in a foreign country?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Med pay and PIP coverage kick in for bills like prosthetic devices, dental work, pain medications, chiropractic care and surgery. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford F-150.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto liability insurance

This will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as bail bonds, court costs, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision coverage pays for damage to your F-150 resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, colliding with another moving vehicle, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, theft, hitting a deer and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Buy online or local, you save

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at an affordable rate.

Consumers leave their current company for many reasons like high prices, an unsatisfactory settlement offer, questionable increases in premium and not issuing a premium refund. It doesn’t matter why you want to switch choosing a new insurance company is not as difficult as it may seem.

The cheapest 1992 Ford F-150 insurance can be sourced from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best selection. A few companies may not provide online quoting and these regional insurance providers work with independent agents.

Even more information can be found at these sites: