Cheaper 2013 Ford F-150 Insurance Rates

Searching for lower auto insurance rates for your Ford F-150? Confused by the sheer number of auto insurance providers in your area? Lot’s of other drivers are too. People have so many providers available that it can easily become a real hassle to find the perfect company for you.

It is always a good idea to do rate comparisons yearly because prices change quite often. Despite the fact that you may have had the best deal for F-150 coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the best way to save on auto insurance.

If you currently have car insurance, you should be able to save some money using these techniques. Pricing the cheapest protection is not that difficult. But consumers must comprehend how big insurance companies compete online and take advantage of how the system works.

Cheapest insurance coverage rate quotes

The majority of larger companies such as Geico, State Farm and Progressive give coverage prices online. The process is quite easy because it’s just a matter of typing in the coverages you want into a form. When complete, their system will order credit information and your driving record and returns a price.

This makes it a lot easier to compare rates but the time it takes to visit several different sites and fill out multiple forms is not the best way to spend an afternoon. But it’s very important to get many rate quotes if you want to find the lowest possible prices on insurance coverage.

There is a better way!

The smarter way to lower your insurance coverage bill utilizes a single form that analyzes rates from many companies. The form is fast, reduces the work, and makes price shopping online much more efficient. As soon as the form is sent, it is rated with multiple companies and you can pick your choice of the resulting price quotes. If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.

To find out what other companies charge, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you complete the form with the coverage information as shown on your current policy. This helps ensure you’re receiving rate quotes for similar coverage.

Cheaper insurance quotes with discounts

Some providers don’t always list every discount in a way that’s easy to find, so the following list contains both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance coverage online.

  • New Vehicle Savings – Buying a new car instead of a used car can save up to 30% since new model year vehicles are generally safer.
  • Paperwork-free – Some of the larger companies may give you up to $50 shop insurance coverage digitally online.
  • Professional Memberships – Participating in qualifying clubs or civic groups could qualify you for a break on your bill.
  • No Claim Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote when compared to accident-prone drivers.
  • Military Deployment Discount – Being on active duty in the military could qualify you for better insurance rates.
  • Student in College – Any of your kids who are attending college and leave their car at home can be insured at a reduced rate.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A list of companies and a selection of discounts are included below.

  • State Farm includes discounts for safe vehicle, good driver, Steer Clear safe driver discount, good student, and passive restraint.
  • Geico offers premium reductions for federal employee, seat belt use, daytime running lights, good student, and air bags.
  • Allstate has savings for economy car, senior citizen, premier plus, defensive driver, 55 and retired, resident student, and farm vehicle.
  • SAFECO may offer discounts for accident prevention training, teen safe driver, teen safety rewards, drive less, multi-car, and safe driver.
  • Farm Bureau offers discounts including youthful driver, multi-vehicle, renewal discount, safe driver, good student, and 55 and retired.
  • Progressive may include discounts for continuous coverage, multi-policy, multi-vehicle, online signing, online quote discount, and homeowner.
  • AAA discounts include education and occupation, anti-theft, good student, multi-policy, good driver, and AAA membership discount.

When getting a coverage quote, ask all companies you are considering to give you their best rates. All car insurance discounts might not be offered in your area.

Smart buyers can reduce insurance rates

It’s important that you understand a few of the rating criteria that come into play when calculating the level of your policy premiums. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that can earn you better insurance rates.

Listed below are some of the things used by companies to determine your rate level.

  • Certain vocations pay higher insurance rates – Careers like military personnel, architects and accountants are shown to have higher average rates attributed to stressful work requirements and incredibly demanding work hours. On the other hand, jobs like scientists, students and the unemployed pay the least for F-150 coverage.
  • Location can impact price – Having an address in less populated areas is a positive aspect when trying to find low car insurance rates. Fewer drivers and short commutes means reduced accidents and lower theft and vandalism rates. People who live in big cities tend to have congested traffic and a longer drive to work. Higher commute times means more chances of being involved in an auto accident.
  • High deductibles cost less – The deductibles define the amount you are willing to pay out-of-pocket if the claim is covered. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply would be a windshield broken by a bird, damage caused by hail, and damage from wind. The more you’re willing to pay, the better rate you will receive for F-150 coverage.
  • Bundle policies to earn discounts – Many insurance companies afford a discount to insureds who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount you still need to compare other company rates to help ensure you have the lowest rates. It’s possible to still save even more by buying insurance from a different company.
  • If you don’t need it don’t buy it – There are many additional coverages that you can get tricked into buying if you don’t pay attention. Things like rental car coverage, accidental death, and Farm Bureau memberships are probably not needed. These coverages may sound good when you first buy your policy, but if you don’t need them remove them and pocket the money.
  • Don’t get traffic citations – Your driving record impacts your car insurance rates tremendously. Attentive drivers pay less for auto insurance as compared to those with violations. Getting just one citation can increase rates forty percent or more. Drivers who have gotten careless violations like DUI, reckless driving or excessive speeding may find that they have to to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • Gender and auto insurance costs – The statistics show females are less aggressive when driving. The data does not necessarily mean that males are worse at driving than females. Both genders tend to get into accidents in similar percentages, but the male of the species cause more damage. Men also tend to get higher numbers of serious violations such as DWI and reckless driving. Male drivers age 16 to 19 cause the most accidents and therefore are the most expensive to insure.
  • Low credit history equals high premiums – Your credit rating is a big factor in determining what you pay. People with high credit scores tend to be more responsible than those with lower ratings. Therefore, if your credit score is lower than you’d like, you could pay less to insure your 2013 Ford F-150 by spending a little time repairing your credit.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • How does medical payments coverage work?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • What is no-fault insurance?
  • Am I covered if I wreck a rental car?
  • Should I have combined single limit or split liability limits?
  • What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage considerations

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford F-150.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive coverages – This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, vandalism and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – This coverage pays for damage to your F-150 from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a ditch and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like chiropractic care, nursing services, pain medications, surgery and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability – This will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as structural damage, loss of income, medical services, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Buy online or local, you save

Some insurance companies don’t offer the ability to get quotes online and many times these smaller companies only sell coverage through independent agents. Cheaper 2013 Ford F-150 insurance is possible from both online companies as well as from insurance agents, so you should compare both to get a complete price analysis.

Drivers switch companies for a number of reasons such as unfair underwriting practices, poor customer service, delays in responding to claim requests or an unsatisfactory settlement offer. It doesn’t matter what your reason, switching insurance companies is less work than it seems.

We just covered a lot of techniques to shop for 2013 Ford F-150 insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding the cheapest insurance coverage. You may be surprised to find that the best premium rates are with a smaller regional carrier.

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