2014 Ford F-150 Car Insurance Rates

Trying to find lower car insurance rates for your Ford F-150? Searching for low-cost insurance for a Ford F-150 could be a lot of work, but you can use these tips and make it easy. There is a better way to buy car insurance so we’re going to tell you the proper way to compare rates for a Ford and obtain the cheapest rates from local insurance agents and online providers.

Factors that might impact rates for a Ford F-150

Smart consumers have a good feel for some of the elements that go into determining the price you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Better credit means lower rates – Having a bad credit score is a big factor in your rate calculation. So if your credit history is lower than you’d like, you could save money insuring your 2014 Ford F-150 by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • How’s your driving record? – Your driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets get better rates than their less careful counterparts. Even one citation can bump up the cost forty percent or more. Drivers who get dangerous violations such as DUI or reckless driving may be required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Increase deductibles and save – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Ford from damage. Some examples of claims that would be covered could be a windshield shattered by a rock, damage from fire, or theft. Your deductibles are the amount of money you are required to spend before a claim is paid by your company. The more expense the insured has to pay upfront, the less your company will charge you for insurance on F-150 insurance.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Marriage pays dividends – Having a wife or husband actually saves money when buying auto insurance. It translates into being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Sex matters – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men tend to get into accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like DUI and reckless driving.

Lower rates by qualifying for discounts

Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so we researched some of the more common and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford could be rewarded with lower rates on the low mileage vehicles.
  • Driver Safety – Completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Accident Free – Drivers with accident-free driving histories pay much less compared to accident-prone drivers.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on F-150 insurance than their less cautious counterparts.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on F-150 insurance with a few insurance companies.
  • New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Life Insurance – Some companies give a break if you buy a life insurance policy as well.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way.

A partial list of companies who might offer these money-saving discounts include:

Before buying, ask every prospective company how you can save money. Some discounts might not apply everywhere.

Car insurance is unique, just like you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine if your situation would benefit from an agent’s advice.

  • How many claims can I have before being cancelled?
  • Do I have coverage for damage caused while driving under the influence?
  • When do I need to add a new car to my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • How can I get my company to pay me more for my totalled car?
  • Where can I find DUI or SR-22 insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

What insurance coverages do you need?

Understanding the coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford F-150.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for prosthetic devices, dental work, EMT expenses and X-ray expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverage

This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, fire damage, hitting a bird and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

Collision insurance covers damage to your F-150 from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, crashing into a ditch, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Liability coverages

This will cover damage that occurs to other people or property. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $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.

Liability can pay for things like pain and suffering, medical services, legal defense fees and attorney fees. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Compare but don’t skimp

Consumers change insurance companies for many reasons like extreme rates for teen drivers, unfair underwriting practices, denial of a claim and even policy non-renewal. Whatever your reason, choosing a new company is actually quite simple.

We’ve covered many tips how you can compare 2014 Ford F-150 insurance prices online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance is with an unexpected company.

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Even more information is located at these sites: