1992 Ford F-150 Insurance Cost – 10 Discounts for Best Prices

Consumers have options when looking for affordable Ford F-150 insurance. They can either waste time driving around to compare prices or leverage the internet to get rate quotes.

There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the absolute fastest way to get price quotes for a Ford and get the best price possible.

If you are insured now or are looking for a new policy, you will benefit by learning to cut your premiums and possibly find even better coverage. The purpose of this post is to introduce you to the most effective way to quote insurance. Drivers just need to understand the proper methods to compare prices online.

These ten discounts can slash insurance coverage rates

Insurance can cost an arm and a leg, but there are discounts available to cut the cost considerably. A few discounts will automatically apply at the time you complete a quote, but some need to be specifically requested before you will receive the discount.

  • Active Service Discounts – Being deployed in the military could trigger a small discount.
  • Discount for Swiching Early – Some larger companies give discounts for switching companies prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Professional Organizations – Being a member of a qualifying organization is a simple method to lower premiums on your next renewal.
  • E-sign – Some of the larger companies will provide an incentive for buying your policy on the internet.
  • Defensive Driver Discounts – Completing a defensive driving course could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Low Mileage Discounts – Driving fewer miles can earn lower rates due to less chance of an accident.
  • College Student – College-age children who are enrolled in higher education away from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Good Driver Discounts – Insureds who avoid accidents can get discounts for up to 45% lower rates for F-150 insurance compared to accident prone drivers.
  • Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.

You should keep in mind that many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

The best insurance coverage companies and some of the premium reductions they offer can be read below.

  • Progressive has discounts for good student, multi-policy, online quote discount, multi-vehicle, and homeowner.
  • Geico discounts include seat belt use, five-year accident-free, federal employee, anti-lock brakes, multi-policy, good student, and emergency military deployment.
  • State Farm has savings for anti-theft, multiple autos, safe vehicle, good driver, and driver’s education.
  • Esurance may include discounts for emergency road assistance, Switch & Save, paid-in-full, good driver, DriveSense, and anti-theft.
  • The Hartford may have discounts that include defensive driver, air bag, bundle, vehicle fuel type, anti-theft, good student, and driver training.

When getting a coverage quote, ask each insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply in your area. If you would like to view insurers with discount rates, click this link.

When do I need an agent’s advice?

When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

For example, these questions could help you determine if your situation will benefit from professional help.

  • How much liability do I need to cover my assets?
  • What if I don’t agree with a claim settlement offer?
  • Do I need rental car coverage?
  • I don’t drive much so do I pay less?
  • How much underlying liability do I need for an umbrella policy?
  • When should I drop full coverage on my 1992 Ford F-150?
  • Can I get a multi-policy discount?
  • Am I better off with higher deductibles on my 1992 Ford F-150?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Tricks in insurance coverage advertising

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm, Geico and Progressive. All the companies seem to make the promise that drivers can save some big amount just by switching your coverage to them.

But how can every company charge you a lower premium?

Companies have specific characteristics for the type of customer that will add to their bottom line. One example of a profitable insured might be a married male, has never had a claim, and insures a new vehicle. Any person that fits those parameters will get a cheap rate quote and is almost guaranteed to save when switching.

Insureds who do not meet this ideal profile will see higher premiums which results in business going elsewhere. Company advertisements say “drivers that switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can make those claims.

Because each company has a different risk profile, drivers must quote coverage with many companies. It is impossible to predict with any certainty which company will be your best fit.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like dental work, doctor visits, surgery, funeral costs and ambulance fees. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1992 Ford F-150.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, a tree branch falling on your vehicle and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance – This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like structural damage, legal defense fees, repair costs for stationary objects, medical services and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Make a quick buck

The cheapest 1992 Ford F-150 insurance can be found both online as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide rates over the internet and most of the time these small insurance companies work with independent insurance agencies.

People change insurance companies for a number of reasons such as policy cancellation, policy non-renewal, questionable increases in premium and high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.

When shopping online for insurance coverage, never sacrifice coverage to reduce premiums. In too many instances, an insured cut uninsured motorist or liability limits only to find out that they should have had better coverage. Your focus should be to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

Much more information about insurance coverage is located below: