How Much Does 2011 Ford F-150 Insurance Cost?

Looking for lower car insurance rates for your Ford F-150? When looking for lower-cost insurance, are you frustrated by the sheer number of car insurance sources that you can choose from? Many other drivers are as well. You have so many sources available that it can quickly become a burden to lower your prices.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. This article will familiarize you with how car insurance quotes work. Nevertheless, consumers can benefit from knowing how companies determine prices.

Insurance coverage policy discounts

Companies don’t necessarily list every discount in a way that’s easy to find, so here is a list some of the more common as well as some of the hidden credits available to lower your premiums when you buy auto insurance online.

  • Good Grades Discount – Getting good grades may save as much as 25% on a auto insurance quote. The discount lasts well after school through age 25.
  • Multiple Cars – Buying coverage for multiple cars on a single policy can get a discount on all vehicles.
  • Theft Deterent System – Cars and trucks with anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts could cut 10% or more off the medical payments premium.
  • Telematics Discount – People who choose to allow their insurance coverage company to look at driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as the data is positive.
  • Drivers Education – Require your teen driver to enroll and complete driver’s education in school.
  • No Claim Discounts – Drivers who don’t have accidents can earn big discounts as compared to accident-prone drivers.
  • One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
  • Drive Less and Save – Keeping the miles down on your Ford can earn slightly better prices than normal.

Remember that most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

Large insurance coverage companies and their offered discounts include:

  • State Farm may have discounts that include good student, student away at school, passive restraint, Steer Clear safe driver discount, and multiple policy.
  • Farmers Insurance has savings for good student, distant student, early shopping, pay in full, business and professional, and homeowner.
  • Geico may include discounts for air bags, membership and employees, good student, emergency military deployment, driver training, and five-year accident-free.
  • American Family has discounts for mySafetyValet, TimeAway discount, air bags, Steer into Savings, early bird, and good student.
  • Nationwide may offer discounts for multi-policy, anti-theft, business or organization, good student, accident-free, and family plan.
  • Progressive policyholders can earn discounts including online quote discount, continuous coverage, multi-vehicle, online signing, homeowner, good student, and multi-policy.

Before purchasing a policy, check with every prospective company which credits you are entitled to. Discounts may not be available in your area. To find insurance coverage companies who offer online insurance coverage quotes, click here to view.

The easiest way to compare rate quotes is to take advantage of the fact most larger insurance companies have advanced systems to compare rate quotes. The one thing you need to do is give the companies some data including if a SR-22 is required, the ages of drivers, if the car is leased, and if you are currently licensed. That rating information is then sent to multiple companies and they return quotes very quickly.

If you would like to start a quote now, click here and find out if lower rates are available.

How do I know if I need professional advice?

When buying the best insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions could help you determine if your situation would benefit from professional advice.

  • How do I insure my teen driver?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How high should my medical payments coverage be?
  • When can my company non-renew my policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need higher collision deductibles?
  • What can I do if my company won’t pay a claim?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverage information

Learning about specific coverages of car insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 2011 Ford F-150.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverages – Collision insurance pays for damage to your F-150 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, backing into a parked car, hitting a parking meter, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverages – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, damage from a tornado or hurricane and hitting a bird. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses for rehabilitation expenses, EMT expenses and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for liability – This provides protection from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as medical services, court costs, pain and suffering and attorney fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Saving money makes a lot of cents

In this article, we presented quite a bit of information on how to get a better price on 2011 Ford F-150 insurance. It’s most important to understand that the more companies you get prices for, the better your comparison will be. You may even find the lowest premium rates come from a smaller regional carrier.

As you shop your coverage around, do not skimp on coverage in order to save money. There are many occasions where someone sacrificed physical damage coverage only to find out that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible at the best price, not the least amount of coverage.

Drivers change insurance companies for many reasons like an unsatisfactory settlement offer, delays in responding to claim requests, poor customer service or even high prices. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

Even more information can be found at these sites: