Save on 2008 Ford F-150 Car Insurance Rates

Being forced to pay for expensive auto insurance premiums can stress out your budget and make it tough to pay other bills. Many insurers compete to insure your vehicles, so it can be very hard to choose a insurer and uncover the absolute cheapest price

If you have a current auto insurance policy or need a new policy, you will benefit by learning to cut your premiums and still get good coverage. Buying car insurance is quite easy. Vehicle owners just need to know the most effective way to shop for auto insurance online.

How to compare auto insurance quotes

Lowering your 2008 Ford F-150 auto insurance rates is actually easier than you may think. You just need to spend a few minutes on the computer to compare rate quotes to discover which company has low cost auto insurance quotes. This is very easy and can be done using one of these methods.

  • The simplest way to get quotes is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating repetitive form entry for each price estimate. A single, simple form gets prices estimates from many national carriers.
  • A less efficient way to analyze rates is to manually visit each company website and repeat the quote process again and again. For instance, let’s say you need rates from Farmers, Progressive and Geico. In order to get each rate, you would have to spend time going to each site individually to enter the same coverage data repeatedly, which is not fast way to get rate quotes.

    For a list of links to companies insuring cars in your area, click here.

  • The final way to get price estimates is making phone calls or going to local insurance agencies. The ability to buy insurance online makes this unnecessary unless you want the trained guidance that you can only get from talking to an agent. It is possible to compare the best prices online but have your policy serviced through an agent.

Take whichever approach you prefer, but ensure you’re using identical coverages on every price quote you get. If you have different values for each quote then you won’t be able to find the best deal for your Ford F-150.

Lower rate quotes by getting discounts

Some companies do not advertise every available discount very clearly, so we took the time to find some of the more common as well as the least known credits available to bring down your rates.

  • Homeowners Savings – Owning your own home or condo can earn you a little savings because maintaining a house shows financial diligence.
  • Telematics Data – Drivers who elect to allow companies to analyze their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
  • Buy New and Save – Insuring a vehicle that is new can get you a discount because new model year vehicles are generally safer.
  • Life Insurance – If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.
  • Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote for F-150 coverage compared to rates paid by drivers with frequent claims.
  • Senior Citizen Rates – Older drivers may be able to get reduced rates for F-150 coverage.
  • Federal Government Employee – Active or former government employment could qualify for a slight premium decrease for F-150 coverage with certain companies.
  • Military Deployment Discount – Being on active deployment in the military could mean lower auto insurance rates.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings up to 30%.
  • Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems help deter theft so companies will give you a small discount.

You should keep in mind that some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts should help lower your policy cost.

A list of auto insurance companies and some of their more popular discounts can be found below.

  • State Farm has discounts for safe vehicle, Drive Safe & Save, passive restraint, good student, good driver, multiple policy, and anti-theft.
  • Geico includes discounts for driver training, multi-vehicle, air bags, emergency military deployment, five-year accident-free, and seat belt use.
  • Progressive may have discounts that include continuous coverage, multi-policy, homeowner, online signing, good student, online quote discount, and multi-vehicle.
  • 21st Century offers discounts including theft prevention, driver training, anti-lock brakes, automatic seat belts, defensive driver, and teen driver.
  • American Family policyholders can earn discounts including multi-vehicle, TimeAway discount, good driver, mySafetyValet, Steer into Savings, bundled insurance, and accident-free.
  • The Hartford may include discounts for air bag, vehicle fuel type, driver training, bundle, and anti-theft.
  • AAA offers premium reductions for good driver, pay-in-full, anti-theft, good student, education and occupation, and multi-car.

Double check with each company which discounts they offer. Discounts may not apply to policyholders everywhere.

You can change your insurance premiums

Lots of factors are used in the calculation when you get a price on insurance. Some are obvious like your driving record, but other factors are less apparent like your vehicle usage or how safe your car is.

The factors shown below are some of the most rate-impacting factors utilized by car insurance companies to help set premiums.

  • Discounts for GPS tracking and theft deterrents – Buying a car that has a built-in theft deterrent system can help lower your premiums. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft.
  • Five star IIHS safety rating saves money – Cars with five star safety ratings cost less to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and any reduction in injury severity means less claims paid and thus lower rates. If the Ford F-150 scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Consolidate policies with the same company – Most major insurers will award better rates for people who buy several policies from them such as combining an auto and homeowners policy. The amount of the discounts can be ten percent or more. If you currently are using one company, it’s always a smart idea to comparison shop to help guarantee you have the best rates.
  • Fewer miles means better premiums – The higher the mileage driven in a year’s time the more you will pay for car insurance. A lot of insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars left parked in the garage receive lower rates than vehicles that have high annual mileage. Ask your agent if your vehicle rating is rated on the correct usage. Having the wrong rating on your F-150 can cost quite a bit.
  • Big cities have higher costs – Choosing to live in a rural area can be a good thing if you are looking for the lowest rates. Less people means less chance of accidents and lower theft and vandalism rates. People in densly populated areas tend to have congested traffic and more severe claims. The longer drive time means a statistically higher chance of an accident.

Your auto insurance coverage should be tailored to you

When it comes to buying coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique so this has to be addressed. These are some specific questions may help highlight whether your personal situation may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • Are rock chip repairs covered?
  • Is extra glass coverage worth it?
  • When do I need to add a new car to my policy?
  • Does insurance cover damages from a DUI accident?
  • Is my 2008 Ford F-150 covered for flood damage?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses like pain medications, dental work, EMT expenses and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverages – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, damage from a tornado or hurricane and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability – This coverage provides protection from damage that occurs to other people or property by causing an accident. It 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, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like loss of income, bail bonds, legal defense fees, pain and suffering and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your 2008 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 should not be overlooked.

Collision coverages – Collision coverage will pay to fix damage to your F-150 from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Shop. Compare. Save.

We just presented some good ideas how you can reduce 2008 Ford F-150 insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from an unexpected company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. Too many times, an insured cut physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

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