Cheaper 2004 Ford F-150 Car Insurance Rates

Are you kicking yourself for buying overpriced insurance? Say no more because there are lots of residents who feel the same. Insurance companies such as Geico, 21st Century and Progressive constantly blast consumers with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Smart consumers take time to check insurance prices at least once a year since prices are constantly changing. Despite the fact that you may have had the lowest price on F-150 coverage a few years ago other companies may now be cheaper. Forget all the misinformation about insurance because you’re going to learn the easiest way to lower your annual insurance bill.

If you have a current car insurance policy or need new coverage, you can use this information to find the best rates while maximizing coverage. Choosing the best insurance company for you is not that difficult. Consumers just need to learn the best way to compare company rates online.

Ford F-150 insurance cost factors

Part of the car insurance buying process is learning the factors that help calculate the level of your policy premiums. When you understand what influences your rates, this enables informed choices that can earn you lower premium levels. Many things are used in the calculation when you get a price on insurance. Most are fairly basic like a motor vehicle report, but other criteria are more obscure like your vehicle usage or how financially stable you are.

  • Choose high safety ratings and save – Vehicles with high crash test scores can get you lower premiums. Highly rated vehicles result in less severe injuries and any reduction in injury severity means less claims paid passed on to you as lower rates. If your Ford F-150 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • How much liability do you need? – The liability coverage on your policy is the coverage that protects you in the event that you are ruled to be at fault for personal injury or accident damage. This coverage provides legal defense coverage to defend your case. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Poor driving habits means higher prices – Being a careful driver has a huge affect on how much you pay. Having just one ticket can increase the cost of insurance twenty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers unfortunate enough to have license-revoking citations like reckless driving or DUI may find they need to complete a SR-22 with their state’s licensing department in order to continue driving.
  • Physical damage deductibles – Deductibles for physical damage state the amount of money the insured will be required to pay if a claim is determined to be covered. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The larger the amount you’re willing to pay, the less your car insurance will be on F-150 coverage.
  • Additional coverages that may be costing you – There are many additional coverages that may not really be needed but may not be useful. Things like rental car coverage, high-cost glass coverage, and extra equipment coverage could be just wasting money. These coverages may sound good at first, but if you’ve never needed them in the past get rid of them and save.
  • Continuous coverage saves money – Allowing your car insurance policy to lapse will be a fast way to trigger a rate increase. In addition to paying higher rates, being ticketed for driving with no insurance might get you a revoked license or a big fine.
  • Premiums are lower the older you get – Inexperience drivers have been known to be inattentive when at the wheel of a vehicle and because of this, their car insurance rates are much higher. If you’ve ever had to add a young driver to your policy can break the bank. Older, more experienced drivers are more cautious drivers, are lower risk to insure and receive fewer citations.
  • Low mileage costs less – The higher the miles on your Ford in a year the more you will pay for car insurance. Most companies rate vehicles based on how the vehicle is used. Cars and trucks that have low annual miles receive lower rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your F-150 may be wasting your money. Verify your declarations sheet correctly shows the proper vehicle usage.

How to lower your insurance coverage cost

Getting cheap 2004 Ford F-150 insurance coverage pricing is actually easier than you may think. Consumers just need to take a few minutes to get quotes provided by online insurance companies. It’s super easy and can be done in several different ways.

  1. Hands down the most simple method consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This quick form eliminates the need for separate quotes for every prospective company. One form submission gets you coverage quotes from multiple low-cost companies.
  2. A more time consuming way to compare rate quotes consists of visiting the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you need rates from Auto-Owners, Safeco and Allstate. You would be required to navigate to each company’s site and enter your information, and that explains why we recommend the first method.

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

The approach you take is up to you, just ensure you’re using the exact same quote information with every price quote. If you have different values for each quote it will be impossible to make a fair rate comparison.

Find hidden discounts to get affordable insurance rates

Some companies don’t always advertise every available discount very well, so here is a list some of the best known and also the lesser-known credits that you can use to lower your rates.

  • Senior Citizen Discount – Mature drivers could receive lower premium rates on F-150 coverage.
  • Anti-lock Brakes – Cars with ABS and/or traction control prevent accidents so you can save 10 percent or more.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save a little off PIP or medical payments premium.
  • Active Military Service – Being on active deployment in the military may lower your insurance rates slightly.
  • Distant College Student Discount – Youth drivers who attend college more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
  • Bundled Policy Discount – If you combine your homeowners and auto policies with the same company you may earn up to 20% and get you cheap auto insurance.

Discounts reduce rates, but you should keep in mind that most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, it just doesn’t work that way.

If you would like to choose from a list of companies with discount insurance rates, click this link.

Tailor your insurance coverage to you

When it comes to buying coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help highlight whether or not you might need an agent’s assistance.

  • Is my custom paint covered by insurance?
  • Am I covered if hit by an uninsured driver?
  • Are all vehicle passengers covered by medical payments coverage?
  • If my pet gets injured in an accident are they covered?
  • Can my babysitter drive my car?
  • What vehicles should carry emergency assistance coverage?
  • Does coverage extend to my business vehicle?
  • Does my 2004 Ford F-150 qualify for pleasure use?
  • Am I covered if I hit a deer?
  • When should I not file a claim?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Auto insurance coverage considerations

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most auto insurance policies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like nursing services, pain medications, doctor visits and dental work. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

This will cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as medical services, structural damage, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Collision protection

This coverage will pay to fix damage to your F-150 from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, theft, vandalism and damage from getting keyed. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Final considerations

Cost effective 2004 Ford F-150 insurance is available on the web and from local insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some insurance companies don’t offer the ability to get quotes online and many times these small insurance companies prefer to sell through independent agents.

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice full coverage and found out when filing a claim that it was a big mistake. The aim is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

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