Lower Your 1996 Ford F-150 Car Insurance Quotes

Did you make the mistake of buying overpriced insurance coverage? You’re in good company because many drivers have buyer’s remorse. Consumers have multiple insurers to pick from, and even though it’s nice to have a selection, more options can take longer to find the best rates.

Informed consumers know how to get auto insurance cheaper

Lots of factors are used when you get a price on insurance. Some are pretty understandable such as your driving record, but some are more transparent like your vehicle usage and annual miles driven.Part of the auto insurance buying process is learning the factors that play a part in calculating your policy premiums. When consumers understand what impacts premium levels, this allows you to make good choices that can earn you cheaper rates.

  • Choose high NHTSA crash test ratings and save – Safe vehicles are cheaper to insure. Vehicles built for safety reduce injuries and fewer serious injuries means your insurance company pays less and more competitive rates for policyholders. If the Ford F-150 is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Always keep your coverage in force – Driving with no insurance can get you a ticket and any future policy may cost more because you let your insurance coverage expire. And not only will your rates increase, being ticketed for driving with no insurance will get you a revoked license or a big fine.
  • Defend yourself with liability coverage – Liability insurance is the protection when a jury decides you are liable for physical damage or personal injury to other. It provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Do you really need roadside assistance? – Insurance companies have many add-on coverages that may not really be needed if you aren’t diligent. Coverages for coverage for rental cars, better glass coverage, and extra equipment coverage could be just wasting money. They may sound like good ideas when talking to your agent, but if you don’t need them eliminate them to save money.
  • Pay less if you’re married – Having a significant other actually saves money on auto insurance. Having a spouse usually means you are more mature than a single person it has been statistically shown that married drivers tend to have fewer serious accidents.

Cheapest insurance coverage price quotes

There are multiple methods to shop for insurance coverage, and some are more efficient than others. You can waste a few hours (or days) talking to insurance agencies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in an industry program that allows shoppers to enter their coverage request one time, and each company provides a quote. This prevents consumers from doing repetitive form submissions to every company. To compare rates now click to open in new window.

The only downside to using this type of system is buyers cannot specifically choose which insurance companies you want to price. If you would rather choose specific insurance companies to receive pricing from, we have a page of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but try to keep the exact same quote information on every quote. If each company quotes higher or lower deductibles it’s not possible to determine which company has the best rates.

Insurance Coverage Discounts

Buying insurance coverage is not cheap, but discounts can save money and there are some available that many consumers don’t even know exist. Some trigger automatically at the time of purchase, but some may not be applied and must be requested specifically before you get the savings. If you’re not getting every credit available, you could be saving more on your insurance coverage.

  • Government Employee Discount – Federal government employees can save as much as 8% on F-150 coverage depending on your company.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off PIP or medical payments premium.
  • New Vehicle Savings – Buying insurance on a new vehicle can be considerably cheaper since newer models are generally safer.
  • Anti-theft Discount – Cars equipped with anti-theft or alarm systems can help prevent theft so companies will give you a small discount.
  • Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you may have a lower total premium amount.
  • Multi-policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you may save nearly 15% which can help you find the cheapest insurance coverage.
  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Accident-Free Discounts – Insureds who avoid accidents and claims get the best insurance coverage rates compared to drivers with a long claim history.
  • Online Discount – Many larger companies will discount your bill up to fifty bucks just for signing your application on your computer.
  • Defensive Driver Discount – Taking part in a course teaching safe driver skills could save 5% or more if you qualify.

As a sidenote, most discount credits are not given the the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, you aren’t that lucky.

Large insurance coverage companies and a summarized list of policyholder discounts are shown below.

  • State Farm policyholders can earn discounts including student away at school, Steer Clear safe driver discount, safe vehicle, good driver, and accident-free.
  • Geico includes discounts for federal employee, multi-vehicle, good student, seat belt use, and military active duty.
  • SAFECO may include discounts for drive less, multi-car, safe driver, bundle discounts, and teen safe driver.
  • Farmers Insurance offers premium reductions for homeowner, electronic funds transfer, youthful driver, switch companies, pay in full, and early shopping.
  • AAA discounts include education and occupation, AAA membership discount, multi-car, good student, pay-in-full, multi-policy, and anti-theft.
  • USAA offers discounts including multi-policy, family discount, annual mileage, safe driver, new vehicle, and good student.

Before you buy a policy, ask every prospective company the best way to save money. Savings may not apply to policies in your area. To see a list of insurance companies that offer multiple discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my policy cover me when driving someone else’s vehicle?
  • I don’t drive much so do I pay less?
  • Does my 1996 Ford F-150 need full coverage?
  • Do I need more liability coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage options for a 1996 Ford F-150

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, theft, hail damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Ford F-150.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills like pain medications, ambulance fees and surgery. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, sustaining damage from a pot hole, rolling your car, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability coverages

This will cover damage that occurs to other people or property. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, repair costs for stationary objects, legal defense fees, pain and suffering and emergency aid. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Be Smart and Buy Smart

When buying insurance coverage, never sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice collision coverage only to regret they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.

In this article, we covered many ways to compare 1996 Ford F-150 insurance car insurance rates online. It’s most important to understand that the more providers you compare, the better your chances of lowering your premium rates. You may even find the most savings is with an unexpected company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and Geico.

Additional detailed information is located in these articles: