View 2013 Ford F-150 Insurance Rates

Shopping for car insurance is not something consumers enjoy doing, but regardless it’s required for every vehicle.

Verify you’re getting all your discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but some may not be applied and must be asked about prior to receiving the credit.

  • Bundle and Save – If you insure your home and vehicles with the same company you could get a discount of approximately 10% to 15%.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Early Signing – Some companies give discounts for switching policies before your current policy expires. This can save 10% or more.
  • Drive Less and Save – Driving fewer miles could be rewarded with a substantially lower rate.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Resident Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will bring down your premiums.

Car insurance companies that may offer these discounts include:

Double check with every prospective company how you can save money. Some discounts may not be available in every state.

Factors that can influence Ford F-150 insurance rates

It’s important that you understand the rating factors that play a part in calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that could result in much lower annual insurance costs.

Shown below are a few of the “ingredients” auto insurance companies consider when setting premiums.

  • Bundling policies can get discounts – Most auto insurance companies will award you with lower prices to insureds who buy several policies from them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you may still want to shop around to verify if the discount is saving money.
  • Tickets mean higher rates – Good drivers tend to pay less for car insurance than bad drivers. Even one ticket can increase rates by as much as thirty percent. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Optional equipment can affect rates – Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
  • Liability insurance protects assets – Liability insurance is the coverage that protects you if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.

When should I talk to an agent?

When choosing the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions can help discover whether you will benefit from professional help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How much liability insurance is required?
  • I have health insurance so do I need medical payments coverage?
  • Why is insurance for a teen driver so high?
  • Should I drop comprehensive coverage on older vehicles?
  • Exactly who is provided coverage by my policy?
  • When does my teenage driver need to be added to my policy?
  • How do I file an SR-22 for a DUI in my state?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverages and their meanings

Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, hitting a mailbox, damaging your car on a curb, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, medical services, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, damage from flooding, hitting a bird, rock chips in glass and vandalism. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for things like doctor visits, nursing services, rehabilitation expenses, EMT expenses and surgery. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Spend less. Save more.

When you buy insurance online, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at the best price.

Lower-priced 2013 Ford F-150 insurance is available both online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

You just learned quite a bit of information on how to shop for insurance online. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the best prices are with a small mutual company.

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