Lower Your 2012 Ford F-150 Car Insurance Cost

Looking for the cheapest auto insurance rates for your Ford F-150? Paying low cost rates for Driversauto insurance is always quite difficult for drivers new to buying insurance online. There are so many companies to choose from that it can easily be a real hassle to find the best rates.

Consumers should take time to compare prices on a regular basis because prices are constantly changing. If you had the best deal for F-150 insurance on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you’re about to find out how to use the internet to get good coverage at a lower rate.

How to find cheap insurance

There are several ways you can shop for insurance and some are more efficient than others. You could waste time talking to local insurance agents in your area, or you can utilize the web for quick rates.

Many of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and at least one company then returns a price quote for coverage. This saves time by eliminating quote requests for each company.

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The only downside to doing it this way is buyers cannot specifically choose which insurance companies you will receive quotes from. So if you prefer to pick from a list of companies to compare prices, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just do your best to use nearly identical deductibles and coverage limits for each comparison quote. If you are comparing differing limits you will not be able to determine which company has the best rates. Slightly different limits may cause a big price difference. And when comparing insurance rates, know that comparing a large number of companies increases the change that you will find better pricing.

Cut your insurance rates with discounts

Insurance can be prohibitively expensive, but there could be available discounts that you may not know about. Most are applied at quote time, but some need to be requested specifically prior to getting the savings.

Resident Student – Any of your kids who attend college more than 100 miles from home and don’t have a car could get you a discount.
Passive Restraints and Air Bags – Vehicles with factory air bags may qualify for discounts of up to 25% or more.
Military Deployment Discount – Having a family member in the military can result in better premium rates.
Home Ownership Discount – Simply owning a home can earn you a little savings because maintaining a house demonstrates responsibility.
Paperless Signup – A handful of companies give back up to $50 for completing your application on their website.
Multiple Cars – Purchasing coverage when you have all your vehicles on a single policy can reduce rates for all insured vehicles.

A quick disclaimer, most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

A list of companies and a partial list of their discounts are included below.

The Hartford offers discounts for anti-theft, good student, bundle, driver training, vehicle fuel type, air bag, and defensive driver.
American Family has discounts for TimeAway discount, early bird, good student, mySafetyValet, bundled insurance, and air bags.
Progressive policyholders can earn discounts including homeowner, multi-policy, continuous coverage, online quote discount, and online signing.
Travelers includes discounts for home ownership, continuous insurance, driver training, multi-car, payment discounts, early quote, and student away at school.
Farmers Insurance offers discounts including mature driver, good student, teen driver, youthful driver, electronic funds transfer, business and professional, and pay in full.
USAA has savings for new vehicle, multi-policy, annual mileage, loyalty savings, family discount, safe driver, and multi-vehicle.
Liberty Mutual may include discounts for new move discount, newly married, teen driver discount, new graduate, multi-policy, hybrid vehicle, and newly retired.

If you need lower rates, check with all companies you are considering how many discounts you can get. Savings may not apply in your area. To locate insurers offering insurance discounts, follow this link.

You are unique and your auto insurance should be too

When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different.

For instance, these questions can help discover if you would benefit from an agent’s advice.

Why am I required to buy high-risk coverage?
Are rock chip repairs covered?
Are my friends covered when driving my 2012 Ford F-150?
What is an SR-22 filing?
How high should deductibles be on a 2012 Ford F-150?
How high should my medical payments coverage be?
I have health insurance so do I need medical payments coverage?
Can my teen driver be rated on a liability-only vehicle?
Will my insurance pay for OEM parts?
At what point should I drop full coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Learn about car insurance coverages for a 2012 Ford F-150

Knowing the specifics of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for funeral costs, ambulance fees, prosthetic devices and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance covers damage to your F-150 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your 2012 Ford F-150.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability coverage

Liability insurance will cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like repair costs for stationary objects, bail bonds, attorney fees, funeral expenses and loss of income. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, a tree branch falling on your vehicle and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.