1999 Ford F-150 Insurance Rates

Searching for lower car insurance rates for your Ford F-150? When searching for lower-cost insurance, are you overwhelmed by the crazy number of car insurance choices in your area? Drivers have such a large number of options that it can turn into a challenge to find the best premium rates.

It’s a great practice to compare prices as often as possible due to the fact that insurance prices are adjusted regularly by insurance companies. Just because you had the best deal on F-150 coverage six months ago you will most likely find a better rate quote today. You can search a lot of car insurance out there, but in a few minutes you can learn some great ideas on how to find affordable car insurance.

Finding the best rates is easy if you know what you’re doing. Just about everyone who shops for insurance will most likely be able to cut their insurance bill. Nevertheless, consumers need to have an understanding of how big insurance companies market on the web and take advantage of how the system works.

Lower rates by qualifying for discounts

Some insurers don’t list the complete list of policy discounts in an easy-to-find place, so the following list contains both well-publicized and also the lesser-known ways to save on insurance coverage.

  • Sign Early and Save – Select larger companies give a discount for buying a new policy before your current policy expires. You could save around 10% when you buy car insurance online.
  • Multiple Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could save at least 10% off all policies.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on F-150 coverage with a few insurance coverage companies.
  • ABS Braking Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive and earn discounts up to 10%.
  • Good Driver Discount – Insureds who avoid accidents can pay as much as 50% less on F-150 coverage than their less cautious counterparts.

A quick disclaimer, most discount credits are not given the the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

A list of companies and a selection of discounts are detailed below.

  • State Farm policyholders can earn discounts including multiple policy, safe vehicle, student away at school, good driver, and Steer Clear safe driver discount.
  • American Family may offer discounts for multi-vehicle, mySafetyValet, good student, Steer into Savings, good driver, air bags, and early bird.
  • AAA offers discounts including good driver, AAA membership discount, anti-theft, education and occupation, multi-car, and multi-policy.
  • Geico has savings for five-year accident-free, multi-policy, anti-lock brakes, daytime running lights, air bags, and military active duty.
  • Mercury Insurance discounts include accident-free, good student, location of vehicle, age of vehicle, and ease of repair.
  • Farmers Insurance includes discounts for early shopping, teen driver, business and professional, mature driver, and distant student.
  • Progressive offers discounts for online quote discount, homeowner, continuous coverage, online signing, and multi-vehicle.

If you want inexpensive car insurance quotes, ask all companies you are considering how you can save money. Depending on the company, some discounts may not apply to policyholders in your state. To see insurance coverage companies who offer insurance coverage discounts, follow this link.

How to lower your insurance coverage cost

To find the best insurance coverage rates, there are several ways of comparing rate quotes from companies that offer insurance coverage in your state. The simplest method to find competitive 1999 Ford F-150 insurance rates consists of obtaining rate quotes online. It’s really quite simple and can be done using a couple different methods.

Hands down the most simple method to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing separate quotes for each price estimate. Completing one form gets insurance cost estimates instantly. It’s definitely the quickest method.

A different way to find lower rates is to take the time to go to the website for each individual company to request a price quote. For example, we’ll pretend you want to compare USAA, Allstate and American Family. In order to compare rates, you need to navigate to each company’s site and enter your policy data, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

If you have time to kill, the last method of comparing rate quotes is actually driving to and from local insurance agencies. Buying insurance online makes this unnecessary unless your situation requires the extra assistance that only a licensed agent can provide. Although, it is possible find lower rates online but still have the advice of a local agent.

You can use whichever method you prefer to find lower rates, just make sure you use identical coverage data with every price quote. If you use different deductibles you will not be able to determine the lowest rate for your Ford F-150. Slightly different insurance coverages or limits could mean much higher rates. And when price shopping your coverage, obtaining a wide range of quotes will improve the odds of getting more affordable rates.

Learn how to buy insurance coverage more affordably

Many things are part of the calculation when you quote your car insurance policy. Some factors are common sense like your driving record, although some other factors are not quite as obvious like your continuous coverage or your vehicle rating.

  • Premiums are high for teenagers – Mature drivers are more cautious drivers, cause fewer claims and accidents , and are generally more financially stable.Teenage drivers are statistically shown to be less responsible with other occupants in the car so insurance coverage rates are higher.
  • Safer cars that cut prices – Selecting a car model with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.
  • Mileage impacts prices – Driving a lot of miles each year the higher your rates will be. Most companies charge to insure your cars based on how the vehicle is used. Vehicles left parked in the garage get more affordable rates than vehicles that are driven to work every day. Double check that your insurance coverage policy reflects the right rating data. Having an incorrect usage rating on your F-150 may be costing you.
  • What are your comp and collision deductibles? – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Ford. Some examples of claims that would be covered would be a windshield shattered by a rock, vandalism, and having your car stolen. Physical damage deductibles are the amount of money you are willing to pay before your insurance coverage pays a claim. The more the insured is willing to pay, the better rate you will receive on F-150 coverage.
  • Marriage can save on insurance coverage – Being married can actually save you money when buying insurance coverage. Having a significant other generally demonstrates drivers are more responsible and insurance companies reward insureds because married drivers tend to file fewer claims.
  • Use but don’t abuse your insurance – Car insurance companies award better rates to people who file claims infrequently. If you are the type of insured that files lots of claims you can look forward to either higher rates or even cancellation. Insurance coverage is intended for claims that you cannot pay yourself.

Insurance is unique, just like you

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if you would benefit from professional advice.

  • What can I do if my company won’t pay a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Insurance coverage advertisements

Well-known insurance coverage companies like Progressive, Allstate and Geico regularly use television, radio, and online ads. They all make the same claim that drivers will save a bundle if you get a free car insurance quote and switch your insurance coverage policy to them. How does each company claim to save you money? Here is the trick they use.

All companies are able to cherry pick for the type of customer they prefer to insure. A good example of this type of driver should be between the ages of 30 and 50, has other policies, and drives less than 7,500 miles a year. A customer who matches that profile gets the lowest premium rates and most likely will cut their rates substantially.

Potential customers who don’t measure up to these criteria will probably be forced to pay a more expensive rate and ends up with business not being written. The ads state “drivers who switch” not “all people who quote” save that kind of money. That’s why companies can make claims like that. Because of the profiling, you should compare price quotes frequently. You cannot predict with any certainty which company will have the best prices at this point in time.

Coverages available on your policy

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for collisions

Collision insurance pays for damage to your F-150 caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, crashing into a ditch, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, 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.

Liability auto insurance

This protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like pain and suffering, bail bonds, loss of income and structural damage. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as nursing services, rehabilitation expenses and dental work. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-150.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hitting a deer, a broken windshield, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

A penny saved is a penny earned

When searching for affordable car insurance quotes, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where an insured cut uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at the best price, but do not skimp to save money.

Consumers switch companies for a number of reasons such as extreme rates for teen drivers, delays in paying claims, poor customer service or even policy non-renewal. Regardless of your reason for switching companies, finding a new insurance coverage company is actually quite simple.

Lower-priced 1999 Ford F-150 insurance is attainable from both online companies as well as from independent agents, so you need to quote car insurance with both to have the best rate selection. Some companies don’t offer online price quotes and these smaller providers prefer to sell through local independent agents.

Even more information is available by following these links: