How Much Does 1996 Ford F-150 Car Insurance Cost?

Locating cheaper insurance for a Ford F-150 could be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are more efficient ways to find insurance online so you’re going to learn the quickest way to quote coverages for your Ford and obtain the cheapest rates from both online companies and local agents.

It’s a great practice to do rate comparisons at least once a year because rates are variable and change quite frequently. Despite the fact that you may have had the lowest rates on F-150 insurance a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the only way to eliminate unnecessary coverages and save money.

Finding affordable coverage is not rocket science. If you have a current insurance coverage policy or are shopping for new coverage, you can use these tips to shop for the lowest rates and still get good coverage. Vehicle owners just need to understand the proper way to compare price quotes over the internet.

The method we recommend to compare insurance rates in your area takes advantage of the fact most insurance companies actually pay money for the chance to provide you with a free rate quote. The one thing you need to do is give the companies some data like if you are currently licensed, types of safety features, if you require a SR-22, and whether you drive to work or school. Your information gets sent immediately to insurance companies and you will receive price estimates very quickly.

Buyer beware of insurance advertising tricks

Consumers constantly see and hear ads for car insurance savings by Allstate, Geico and Progressive. They all seem to have a common claim that you can save if you change to their company.

How do they all claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the right customer that earns them a profit. An example of a driver they prefer might be profiled as between the ages of 30 and 50, is a homeowner, and has great credit. A customer who meets those qualifications gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t meet this ideal profile will be charged a more expensive rate which usually ends up with business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. This is how insurance companies can state the savings. That is why you need to get a wide range of price quotes. It’s not possible to predict which insurance company will provide you with the cheapest Ford F-150 insurance rates.

Discounts are basically free money

Companies do not advertise every discount very well, so we took the time to find some of the best known and the harder-to-find ways to save on car insurance. If you don’t get every credit you deserve, you are throwing money away.

  • Paperwork-free – A handful of insurance companies will give a small break simply for signing digitally online.
  • College Student – Youth drivers who are attending college and don’t have a car can receive lower rates.
  • No Accidents – Good drivers with no accidents pay much less when compared to bad drivers.
  • Defensive Driving Course – Taking a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on F-150 insurance with certain companies.

Consumers should know that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

Car insurance companies that may have these discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Some discounts may not be available in your state.

Which insurance is the “right” coverage?

When it comes to choosing the best insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions might point out if your insurance needs will benefit from professional help.

  • Is rental equipment covered for theft or damage?
  • Am I covered when pulling a rental trailer?
  • Does my 1996 Ford F-150 qualify for pleasure use?
  • Should I put collision coverage on all my vehicles?
  • Is a new car covered when I drive it off the dealer lot?
  • Is there coverage for injuries to my pets?
  • Am I missing any policy discounts?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

What auto insurance coverages do you need?

Having a good grasp of your policy can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Medical costs insurance – Med pay and PIP coverage pay for short-term medical expenses such as pain medications, prosthetic devices, doctor visits, chiropractic care and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This 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 coverage protects against things such as sideswiping another vehicle, crashing into a ditch, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a broken windshield, hail damage, rock chips in glass, damage from getting keyed and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability – This protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, structural damage, pain and suffering, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

UM/UIM Coverage – This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 1996 Ford F-150.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Save for a rainy day

Drivers who switch companies do it for any number of reasons including high prices, questionable increases in premium, lack of trust in their agent and poor customer service. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

Throughout this article, we presented a lot of information how to get a better price on 1996 Ford F-150 insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best prices are with some of the smallest insurance companies.

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced full coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible for the lowest price.

More tips and info about insurance coverage can be read in the articles below: