2016 Ford F-150 Insurance Quotes – 7 Ways to Save

Are you kicking yourself for buying an overpriced auto insurance policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their auto insurance policy. Numerous insurance companies battle for your hard-earned dollar, so it can be very hard to choose a company to find the absolute lowest rate possible.

If you have insurance now or need a new policy, you will benefit by learning to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Drivers just need to understand the proper way to buy car insurance online.

Insurance quotes and discounts

Buying insurance is not cheap, but you might already qualify for some discounts that you may not even know about. Certain discounts will be applied when you complete an application, but a few need to be asked for before you will receive the discount.

  • Accident-Free Discounts – Insureds who avoid accidents and claims pay less compared to drivers who are more careless.
  • Buy New and Save – Buying coverage on a new vehicle can save you some money since newer vehicles have better safety ratings.
  • Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course as it can save substantially.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts can save a little on the premium charged for medical payments and/or PIP.
  • Data Collection Discounts – Drivers that enable their insurance company to study where and when they drive by using a telematics device in their vehicle like Allstate’s Drivewise could see a rate decrease if they show good driving skills.
  • Discount for Passive Restraints – Options like air bags can receive discounts of more than 20%.
  • Defensive Driver Discounts – Completing a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.

Just know that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

To view companies with significant discounts, click here.

Shop insurance online

Getting a more affordable price on 2016 Ford F-150 insurance is actually quite simple. Drivers just need to spend a little time getting comparison quotes from some recommended companies. Rate comparisons can be done by using one of the methods below.

  • The most efficient way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form saves time by eliminating a different quote to each individual insurance company. One form will get you rate comparisons from several companies.
  • A more difficult way to compare prices requires you to visit each company website and repeat the quote process. For example, let’s assume you want to compare prices for Farmers, Esurance and Allstate. You would be required to navigate to each company’s site and repeatedly type in your coverage information, which is not fast way to get rate quotes.

    To view a list of companies in your area, click here.

It’s up to you which method you use, but do your best to use apples-to-apples coverages for each price quote. If you compare mixed coverages it’s not possible to find the best deal for your Ford F-150.

Situations that may require an agent’s advice

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might help in determining if you would benefit from professional advice.

  • Is my trailer covered?
  • Will my insurance pay for OEM parts?
  • When can I cancel my policy?
  • Am I covered when driving someone else’s vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Where can I get insurance after a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Insurance advertisements

Consumers constantly see and hear ads that claim the best car insurance rates from companies such as Progressive, Allstate and Geico. All the ads make the point that drivers will save a bundle if you just switch to them.

How does each company have lower policy pricing?

Insurance companies offer their best rates for the driver that earns them a profit. An example of a desirable insured might have to be a mature driver, has had continuous coverage, and insures a new vehicle. Any person who meets those qualifications will qualify for the lowest car insurance rates and will probably save a lot of money.

Consumers who may not quite match these standards may be forced to pay a higher premium and the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save that much when switching. That’s the way insurance companies can advertise the savings. Because each company has a different risk profile, you really need to do a quote comparison often. Because you never know with any certainty which company will be your best fit.

Car insurance coverages explained

Learning about specific coverages of car insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most car insurance policies.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for 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 liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Auto liability insurance – This coverage provides protection from damage that occurs to people or other property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like medical services, medical expenses, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like hospital visits, EMT expenses and dental work. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – This coverage covers damage to your F-150 caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, crashing into a ditch, scraping a guard rail, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive car insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, hail damage, rock chips in glass, hitting a deer and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Quote more. Save more.

Cost effective 2016 Ford F-150 insurance can be purchased on the web in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies do not provide rate quotes online and usually these regional insurance providers prefer to sell through independent insurance agents.

As you quote car insurance, it’s not a good idea to buy poor coverage just to save money. There have been many cases where someone dropped liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The goal is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

You just read a lot of techniques to get a better price on 2016 Ford F-150 insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding the cheapest car insurance. Drivers may discover the best prices are with the smaller companies. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Geico and State Farm.

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