Save on 2017 Ford F-150 Insurance Cost

Want cheaper car insurance rates for your Ford F-150? Using the web to shop for car insurance may seem to be difficult if you are a beginner to online quoting. Don’t let that stop you because there is an easy way to compare rates.

How to save on 2017 Ford F-150 insurance

Auto insurance companies do not list every discount in an easy-to-find place, so we break down some of the best known as well as the least known discounts you could be receiving.

  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may save at least 10% off all policies.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Homeowners Discount – Being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.
  • Student in College – Youth drivers who live away from home and don’t have a car can be insured at a reduced rate.
  • Accident Forgiveness – Certain companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for F-150 insurance than their less cautious counterparts.
  • Accident Free – Drivers who don’t have accidents can save substantially when compared to accident-prone drivers.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of insurance companies offering insurance coverage discounts, click this link.

Tailor your coverage to you

When buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when driving in Canada or Mexico?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need an umbrella policy?
  • Is my nanny covered when driving my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Should I waive the damage coverage when renting a car?
  • What is an SR-22 filing?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

What insurance coverages do you need?

Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, vandalism, hitting a deer, rock chips in glass and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford F-150.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims such as medical expenses, funeral expenses, repair costs for stationary objects, legal defense fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, nursing services, prosthetic devices and pain medications. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage covers damage to your F-150 resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

One last thing about your coverage

Consumers leave their current company for a number of reasons such as lack of trust in their agent, policy non-renewal, high rates after DUI convictions or even extreme rates for teen drivers. Regardless of your reason, finding a great new company can be easier than you think.

Affordable 2017 Ford F-150 insurance can be purchased online in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

We’ve covered a lot of information how to shop for insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Much more information about insurance is located at the links below