1993 Ford F-150 Insurance Quotes

Want cheaper insurance coverage rates for your Ford F-150? Trying to find cheaper insurance for a Ford F-150 could be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to find insurance coverage online and you need to know the best way to quote coverages on a Ford and obtain the best price possible.

Pricing cheaper insurance coverage coverage is easy if you know what you’re doing. If you are insured now or are looking for a new policy, you can use these tips to find better prices and possibly find even better coverage. Drivers only need to know how to compare prices online.

Get cheap rates with discounts

Some insurance providers don’t necessarily list every discount in an easy-to-find place, so below is a list a few of the more common and the more hidden credits available to you.

  • Defensive Driving Course – Taking a course in safe driver could earn you a small percentage discount and easily recoup the cost of the course.
  • Government Employee Discount – Federal government employees could qualify for a slight premium decrease on F-150 coverage with some insurance companies.
  • No Claim Discounts – Insureds with no claims or accidents can save substantially as compared to accident-prone drivers.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 25 to 30%.
  • New Car Discount – Buying a new car model can be considerably cheaper due to better safety requirements for new model year vehicles.

Consumers should know that some credits don’t apply the the whole policy. Some only reduce specific coverage prices like medical payments or collision. So even though you would think you can get free auto insurance, it doesn’t quite work that way.

To locate companies that can offer you the previously mentioned discounts, click this link.

How to get insurance coverage price quotes

Cutting your insurance coverage rates isn’t really that difficult. Consumers just need to take a couple of minutes to get quotes provided by online insurance companies. It’s really simple and can be done using one of these methods.

  • The first (and easiest) way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating boring form submissions for every prospective company. Taking the time to complete one form gets coverage cost estimates from multiple companies. It’s definitely the quickest method.
  • A less efficient way to analyze rates requires a visit to the website for each individual company and request a quote. For sake of this example, we’ll assume you want rates from Nationwide, Geico and GMAC. To find out each rate you need to navigate to each company’s site to input your insurance information, which can take a lot of time. For a list of companies in your area, click here.

Whichever method you choose, be sure to compare the exact same coverage limits and deductibles for each comparison quote. If each company quotes different deductibles you can’t possibly determine which rate is truly the best.

Smart choices result in lower insurance prices

A large part of saving on insurance is knowing a few of the rating criteria that help determine your insurance rates. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that could result in better insurance rates.

  • Getting married can lower premiums – Having a significant other can get you a discount compared to being single. Marriage means you’re more mature than a single person and it’s proven that being married results in fewer claims.
  • High insurance claims frequency drives up rates – Car insurance companies generally give most affordable rates to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can look forward to either higher rates or even cancellation. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Gender impacts costs – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. It does not mean females are better at driving than males. Both sexes get in accidents at a similar rate, but the males cause more damage and cost insurance companies more money. Men also tend to receive more major tickets such as reckless driving.
  • Extra coverages that may not be needed – Insurance policies have a lot of extra add-on coverages that can waste your money on your 1993 F-150 policy. Coverages for replacement cost coverage, towing coverage, and Farm Bureau memberships may be costing you every month. They may seem good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Insurance rates in urban areas – Being located in a rural area has it’s advantages if you are looking for the lowest rates. Fewer drivers on the road means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities regularly have congested traffic and higher rates of accident claims. Higher commute times can result in more accidents.

What is the best car insurance coverage?

When it comes to buying the best car insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions may help you determine if your situation might need professional guidance.

  • Should I buy more coverage than the required minimum liability coverage?
  • Am I getting all the discounts available?
  • Is my teenager covered with friends in the car?
  • What is the difference between comprehensive and collision coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage when pulling a U-Haul trailer?
  • How do I file an SR-22 for a DUI in my state?
  • What are the financial responsibility laws in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Where can I get insurance after a DUI in my state?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Car insurance policy coverages for a Ford F-150

Knowing the specifics of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Collision coverage protection

Collision insurance will pay to fix damage to your F-150 from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to 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 a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like court costs, bail bonds, attorney fees and funeral expenses. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for nursing services, ambulance fees, funeral costs, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and 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. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage 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 coverage pays for things like falling objects, hitting a bird and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Save for a rainy day

Drivers switch companies for a variety of reasons including delays in responding to claim requests, unfair underwriting practices, delays in paying claims and high prices. It doesn’t matter why you want to switch finding a great new company can be easier than you think.

Some insurance providers may not provide internet price quotes regional carriers only sell coverage through local independent agents. Lower-priced 1993 Ford F-150 insurance can be bought both online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection.

We just showed you a lot of ways to compare 1993 Ford F-150 insurance auto insurance rates online. The key thing to remember is the more price quotes you have, the better likelihood of getting cheaper insurance coverage. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

Even more information is available by following these links: