Cheap 1995 Ford F-150 Insurance Rates

Searching for cheaper insurance coverage rates for your Ford F-150? Locating cheaper insurance for a new or used Ford F-150 could be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to find insurance coverage online so you’re going to learn the proper way to quote coverages on a Ford and locate the lowest possible price either online or from local insurance agents.

First Step: Get free insurance coverage quotes

Comparing insurance coverage rates is a ton of work if you don’t utilize the best way to get rate quotes. You can waste hours driving to local insurance agents in your area, or you could use the web to get the quickest rates.

Many insurance companies belong to an insurance system that enables customers to enter their coverage request one time, and every company then returns a price quote determined by their information. This eliminates the need for repetitive form submissions to every company. To compare rates using this form now click here to open in new window.

The one downside to pricing coverage this way is that consumers can’t choose which companies you will receive quotes from. If you would rather choose from a list of companies to compare rates, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, try to keep the exact same coverage limits and deductibles on every quote. If you use higher or lower deductibles it will be very difficult to determine which company has the best rates.

More discounts mean lower-cost premiums

Auto insurance is expensive, but you may qualify for discounts that can drop the cost substantially. Some trigger automatically at the time you complete a quote, but a few need to be asked about before being credited.

  • Early Switch Discount – Some insurance companies give discounts for switching policies before your current expiration date. You may see this discount when you get insurance quotes online.
  • No Accidents – Claim-free drivers are rewarded with significantly better rates on insurance quote compared to bad drivers.
  • Distant Student – Any of your kids who are enrolled in higher education away from home and do not have a car could get you a discount.
  • Telematics Data Discounts – Drivers who elect to allow their auto insurance company to study where and when they drive by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they show good driving skills.
  • Multi-line Discount – Not all insurance companies offer life insurance, but some may give you better prices if you take out a life policy as well.
  • Low Miles Discount – Keeping the miles down on your Ford could qualify for discounted premium rates on garaged vehicles.

Please keep in mind that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

A few of the larger companies and some of the premium reductions they offer are shown below.

  • 21st Century includes discounts for 55 and older, driver training, good student, defensive driver, early bird, and teen driver.
  • State Farm has discounts for multiple autos, Steer Clear safe driver discount, multiple policy, defensive driving training, safe vehicle, and good student.
  • AAA offers discounts for multi-car, good student, multi-policy, education and occupation, pay-in-full, AAA membership discount, and good driver.
  • Liberty Mutual policyholders can earn discounts including newly married, exclusive group savings, newly retired, new graduate, teen driver discount, multi-policy, and new move discount.
  • Progressive may have discounts that include homeowner, online signing, multi-vehicle, multi-policy, and good student.

If you need lower rates, check with every prospective company which discounts you qualify for. Some credits might not apply in your area. If you would like to view providers that can offer you the previously mentioned discounts, follow this link.

Informed drivers can reduce insurance rates

Lots of factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, but other factors are less obvious such as your credit history or how financially stable you are.

  • Alarms and GPS tracking lower prices – Owning a car that has a built-in theft deterrent system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping vehicle theft.
  • Men are more aggressive – Over time, data shows that females take fewer risks when driving. However, this does not mean men are worse drivers. Females and males tend to get into fender benders at about the same rate, but the men tend to have more serious accidents. Men also receive more major tickets such as DWI and reckless driving. Male drivers age 16 to 19 cause the most accidents and therefore pay the highest rates.
  • Poor driving habits leads to higher prices – Having just one speeding ticket may increase your cost to the point where it’s not affordable. Attentive drivers receive lower rates as compared to careless drivers. Drivers with dangerous citations like DUI or reckless driving might be required by their state to file a SR-22 with the DMV in their state in order to keep their license.
  • If you don’t need it don’t buy it – There are many extra coverages that you can buy if you aren’t careful. Insurance for things like replacement cost coverage, accident forgiveness, and membership fees are some examples. You may think they are a good idea when you first buy your policy, but if you don’t need them remove them and pocket the money.
  • Drive less and pay lower prices – The more you drive in a year’s time the higher your rates will be. The majority of insurers apply a rate partially by how you use the vehicle. Cars and trucks that have low annual miles can get a lower rate than cars that get driven a lot. Ask your agent if your car insurance coverage is rated on the correct usage, because improper ratings can cost you money. Having the wrong rating on your F-150 is just wasting money.
  • City dwellers may pay more – Choosing to live in areas with lower population has definite advantages when buying car insurance. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Fewer people translates into fewer accident claims.
  • Your spouse saves you money – Walking down the aisle can actually save you money on your car insurance bill. It translates into being more responsible and statistics show married drivers tend to have fewer serious accidents.

It’s not one size fits all

When choosing the best insurance coverage coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

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

  • What are the best liability limits?
  • I have a DUI can I still get coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • When can I cancel my policy?
  • Do I pay less for low miles?
  • Is my teenager covered with friends in the car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Is there truth in advertising?

Consumers constantly see and hear ads for the lowest price car insurance by companies like Geico, State Farm and Progressive. All the companies make an identical promise about saving some big amount just by moving your coverage.

But how can every company save you money? It’s all in the numbers.

All the different companies require specific criteria for the type of driver they prefer to insure. For example, a desirable insured could possibly be between 25 and 40, has never had a policy lapse, and has a high credit rating. Any person who matches those parameters gets the lowest premium rates and as a result will probably cut their rates if they switch.

Potential insureds who fall short of these stringent criteria will probably be forced to pay a higher rate which translates to the customer not buying. The wording the ads use say “drivers that switch” not “everybody who quotes” save money. That’s why insurance companies can confidently make the claims of big savings.

Different companies use different criteria so you really should compare as many free insurance quotes as you can. It’s not possible to predict which car insurance company will be your best fit.

Coverages available on your policy

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for things like dental work, chiropractic care, nursing services and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, falling objects, a tree branch falling on your vehicle, theft and damage from getting keyed. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1995 Ford F-150.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

Collision insurance covers damage to your F-150 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, crashing into a building, backing into a parked car, scraping a guard rail and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Auto liability

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things like bail bonds, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Compare but don’t skimp

Throughout this article, we presented a lot of techniques to reduce 1995 Ford F-150 insurance rates online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your auto insurance rates. Drivers may discover the biggest savings come from a lesser-known regional company.

As you quote insurance, make sure you don’t skimp on coverage in order to save money. Too many times, consumers will sacrifice liability coverage limits only to find out that the savings was not a smart move. Your strategy should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

People change insurance companies for a variety of reasons including being labeled a high risk driver, policy non-renewal, denial of a claim and even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

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