Cheaper 2000 Ford F-150 Insurance Rates

Trying to find cheaper car insurance rates for your Ford F-150? I doubt anyone anticipates paying for car insurance, particularly when the cost is way too high.

Many car insurance companies compete for your business, so it’s not easy to compare every insurance company to get the lowest rate possible.

Car insurance companies offer many discounts

Some insurance providers do not list every disount available in an easy-to-find place, so below is a list some of the more common and the more hidden credits available to bring down your rates.

  • Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you may reduce your total bill.
  • Multi-car Discount – Drivers who insure more than one vehicle on a single policy can reduce rates for all insured vehicles.
  • Distant College Student Discount – Children who are enrolled in higher education away from home and do not have a car may be able to be covered for less.
  • Clubs and Organizations – Affiliation with certain professional organizations could earn you a nice discount on car insurance.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control can reduce accidents and earn discounts up to 10%.
  • Telematics Discount – Insureds that choose to allow data collection to monitor driving manner by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they exhibit good driving behavior.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life insurance policy as well.
  • No Accidents – Drivers with accident-free driving histories get the best car insurance rates when compared to accident-prone drivers.
  • Switch and Save Discount – Select car insurance companies give a discount for switching companies prior to the expiration date on your current policy. It can save you around 10%.
  • Driver Education Discount – Have your child sucessfully take a drivers education course in school or through a local driver safety program.

One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.

Companies and some of the discounts are shown below.

  • State Farm offers discounts including good driver, good student, multiple policy, passive restraint, accident-free, safe vehicle, and defensive driving training.
  • Geico may have discounts that include defensive driver, multi-policy, multi-vehicle, five-year accident-free, and good student.
  • Liberty Mutual policyholders can earn discounts including new graduate, multi-car, multi-policy, new move discount, safety features, exclusive group savings, and preferred payment discount.
  • The Hartford has discounts for air bag, defensive driver, vehicle fuel type, good student, driver training, anti-theft, and bundle.
  • MetLife includes discounts for good student, accident-free, defensive driver, claim-free, and multi-policy.
  • Progressive has savings for online signing, online quote discount, multi-vehicle, good student, and homeowner.

It’s a good idea to ask each insurance company which discounts you may be entitled to. A few discounts may not apply to policies in your area.

How much is auto insurance?

The are a couple different ways to obtain and compare prices from lots of auto insurance companies. The best way to comparison shop consists of obtaining rate quotes online. This is quite simple and can be completed using a couple different methods.

  1. One of the simplest ways to get quotes for comparison is to use a rate comparison form click to view form in new window. This form eliminates the need for a different quote for every prospective company. Taking the time to complete one form gets rate comparisons from multiple companies.
  2. A more time consuming way to find lower rates requires a visit to the website for every company you want to comare and go through the quote process again. For sake of this example, let’s say you are doing a rate comparison from Auto-Owners, Esurance and Allstate. You would have to go to each individual site to enter your coverage information, which can get old fast. For a list of companies in your area, click here.
  3. The most difficult way to find cheaper rates is actually driving to insurance agencies in your area. Quoting online has made agencies unnecessary unless your situation requires the trained advice of a licensed agent. It is possible to comparison shop online but buy from a local insurance agent.

It’s up to you how you get prices quotes, just ensure you are comparing identical coverage data on every quote you get. If the quotes have different liability limits it will be next to impossible to truly determine the lowest rate. Slightly different coverage limits may result in large price differences. And when comparing auto insurance rates, know that comparing all the rates in your area will increase your chances of finding a lower rate.

Do I just need basic coverages?

When it comes to choosing the best insurance coverage coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

  • How many claims can I have before being cancelled?
  • Does coverage extend to Mexico or Canada?
  • Do I need more liability coverage?
  • Do I need roadside assistance coverage?
  • Does liability extend to a camper or trailer?
  • Am I insured when driving a different vehicle?
  • What is PIP insurance?
  • What is an SR-22 filing?
  • Where can I find DUI or SR-22 insurance?
  • What exactly is covered by my policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Information about specific coverages

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on most car insurance policies.

Liability car insurance – Liability insurance protects you from damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

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 values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as legal defense fees, court costs, repair bills for other people’s vehicles, loss of income and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, a tree branch falling on your vehicle, a broken windshield, theft and rock chips in glass. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – This covers damage to your F-150 caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses such as rehabilitation expenses, EMT expenses, prosthetic devices, pain medications and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Shop Smart and Save

In this article, we presented a lot of techniques to get a better price on 2000 Ford F-150 insurance. The key concept to understand is the more you quote car insurance, the higher your chance of finding affordable car insurance. Drivers may discover the lowest priced car insurance comes from an unexpected company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

As you quote car insurance, never buy less coverage just to save a little money. In many instances, an insured dropped physical damage coverage and found out when filing a claim that it was a big mistake. Your goal should be to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

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