Cheap 1997 Ford F-150 Car Insurance Rates

Looking for the cheapest insurance rates for your Ford F-150? Have you had enough of not being able to scrape enough together to insure your Ford every month? You are in the same boat as the majority of other consumers. Consumers have multiple insurers to purchase coverage from, and although it’s a good thing to be able to choose, lots of choices makes it harder to find the best rates for your vehicles.

The purpose of this article is to teach you the best way to quote coverages and some money-saving tips. If you have car insurance now, you will be able to save some money using this information. Drivers just need to know the tricks to get comparison quotes online.

Cheapest insurance coverage price quotes

There are several ways to shop for insurance coverage, and some are more efficient than others. You can waste a few hours (or days) driving to local insurance agents in your area, or you could use the web to get prices fast.

Many insurance companies belong to a marketplace where insurance shoppers complete one form, and at least one company can give them a price determined by their information. This saves time by eliminating quote requests to each company.

To participate in this free quote system, click here to start a free quote.

The single downside to getting quotes like this is you cannot specify which carriers to get quotes from. If you wish to select individual companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click to view list.

Compare rates however you want, just be certain you are entering the exact same coverage limits and deductibles for each quote you get. If you are comparing different data you can’t possibly determine the best price for your Ford F-150.

Lower rate quotes with discounts

Buying insurance coverage is not cheap, but there’s a good chance there are discounts that may help make it more affordable. Many discounts should be triggered when you quote, but some need to be requested specifically prior to getting the savings.

  • Anti-theft System – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency so companies will give you a small discount.
  • Home Ownership Discount – Owning your own home or condo can help you save on insurance coverage because it means you have a higher level of financial diligence.
  • Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Payment Method – If you pay your bill all at once rather than paying in monthly installments you can actually save on your bill.
  • Telematics Devices – Drivers who agree to allow driving data submission to scrutinize driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they have good driving habits.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, companies don’t profit that way.

Auto insurance companies that possibly offer these discounts possibly include:

Check with every company how many discounts you can get. Some credits may not apply to policies in your state. To see a list of insurance companies that offer many of these discounts, click this link.

What is the best insurance coverage coverage?

When buying the best insurance coverage coverage, there isn’t really a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether you will benefit from professional help.

  • Am I covered when driving in Canada or Mexico?
  • What is the ISO rating for a 1997 Ford F-150?
  • Should I have a commercial auto policy?
  • What can I do if my company denied a claim?
  • How can I get my company to pay me more for my totalled car?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

You can change your insurance costs

Many things are part of the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, but some are more obscure like where you live or how safe your car is.Consumers need to have an understanding of the factors that aid in calculating the rates you pay for auto insurance. If you have some idea of what determines base rates, this empowers consumers to make smart changes that can earn you lower auto insurance prices.

The items below are a few of the things used by your company to calculate your rates.

  • Lower rates come with age – Older people are proven to be safer behind the wheel, statistically cause fewer accidents , and usually have better credit.Drivers with little experience tend to get distracted easily when behind the wheel so auto insurance rates are higher.
  • Lower rates by staying claim free – If you’re an insured who likes to file claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Car insurance companies give lower rates to insureds who only file infrequent claims. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Does your occupation cost you more? – Did you know your job can affect your rates? Careers like doctors, social workers and emergency personnel have higher average rates in part from intense work-related stress and incredibly demanding work hours. On the other hand, occupations like actors, historians and performers get better rates on F-150 insurance.
  • Tickets are costly – Good drivers have lower premiums as compared to those with violations. Just one chargable violation could increase your next policy renewal by twenty percent. Drivers unfortunate enough to have careless citations such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Fewer miles means better costs – The more miles you rack up on your Ford each year the more you’ll pay to insure your vehicle. Many insurance companies rate vehicles based upon how much you drive. Cars not used for work or commuting get more affordable rates than vehicles that have high annual mileage. Make sure your declarations sheet is rated on how each vehicle is driven. Having an incorrect usage rating on your F-150 is just wasting money.

Truth in auto insurance advertising

Consumers can’t get away from ads that promise big savings from companies such as Geico, State Farm and Progressive. They all make the point of big savings if you change to them.

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

Different companies can use profiling for the type of customer that will add to their bottom line. One example of a profitable customer may be over the age of 35, has a low-risk occupation, and insures a new vehicle. A customer getting a price quote that meets those criteria gets the lowest premium rates and is almost guaranteed to save a lot if they switch.

Potential insureds who cannot meet the requirements will be quoted higher premium rates which translates to the customer buying from someone else. The ad wording is “people that switch” not “everybody who quotes” save that much when switching. This is how insurance companies can confidently make claims that they all have the best car insurance rates.

Because every company is different, you should compare quotes as often as possible. You cannot predict which auto insurance company will be your best fit.

Specific coverages for a Ford F-150

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, a tree branch falling on your vehicle, fire damage and falling objects. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford F-150.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to other people or property. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of 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 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as court costs, bail bonds, emergency aid and loss of income. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Auto collision coverage

Collision insurance covers damage to your F-150 resulting from a collision with a stationary object or other vehicle. 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, hitting a mailbox, hitting a parking meter, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for doctor visits, rehabilitation expenses, dental work and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Take this to the bank

We just presented a lot of ways to shop for 1997 Ford F-150 insurance online. The key thing to remember is the more rate quotes you have, the higher your chance of finding the cheapest insurance. You may even discover the lowest car insurance rates come from a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. In many cases, an insured cut full coverage only to discover later they didn’t have enough coverage. The aim is to purchase plenty of coverage at an affordable rate and still be able to protect your assets.

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