2016 Ford F-150 Insurance Quotes

Trying to find cheaper insurance coverage rates for your Ford F-150? If you’re new to shopping for insurance quotes online, you can easily be confused by the large number of insurance coverage companies all advertising big savings.

It’s smart to check insurance coverage prices before your next renewal because rates are usually higher with each renewal. Even if you think you had the best rate on F-150 insurance last year you can probably find a lower rate today. There is a lot of wrong information about insurance coverage out there, but you can learn some great ideas on how to slash your insurance coverage rates.

You may qualify for discounts

Companies don’t always advertise the entire discount list in an easy-to-find place, so we took the time to find a few of the more common and the harder-to-find discounts you could be receiving when you buy insurance online.

  • Low Mileage Discounts – Maintaining low annual mileage may allow you to get cheaper insurancerates.
  • Payment Method – By making one initial payment instead of making monthly payments you could save 5% or more.
  • Life Insurance – Select companies reward you with a discounted price on car insurance if you buy life insurance.
  • Own a Home and Save – Owning a house can earn you a little savings due to the fact that maintaining a home requires personal responsibility.
  • Senior Discount – Drivers that qualify as senior citizens can get a small discount on rates on F-150 insurance.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.

Remember that most of the big mark downs will not be given the the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way.

Large insurance companies and a summarized list of policyholder discounts are detailed below.

  • Progressive includes discounts for multi-policy, online signing, good student, continuous coverage, multi-vehicle, and online quote discount.
  • AAA offers discounts including multi-policy, good driver, education and occupation, AAA membership discount, anti-theft, multi-car, and pay-in-full.
  • Farmers Insurance offers premium reductions for electronic funds transfer, homeowner, teen driver, switch companies, good student, multi-car, and early shopping.
  • Geico discounts include seat belt use, multi-vehicle, anti-theft, driver training, and membership and employees.
  • Esurance offers discounts for multi-policy, anti-theft, defensive driver, online quote, homeowner, emergency road assistance, and renters.
  • SAFECO policyholders can earn discounts including teen safe driver, drive less, safe driver, anti-theft, anti-lock brakes, homeowner, and teen safety rewards.
  • State Farm may include discounts for passive restraint, good student, safe vehicle, good driver, and Drive Safe & Save.

If you are trying to find affordable insurance quotes, ask every prospective company which discounts you qualify for. All car insurance discounts might not apply in your area. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts, click here.

There’s no such thing as the perfect insurance coverage policy

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different.

These are some specific questions might point out whether or not you may require specific advice.

  • Should I buy additional glass protection?
  • Can I get a multi-policy discount?
  • When would I need rental car insurance?
  • Am I covered when pulling a rental trailer?
  • How do I insure my teen driver?
  • Does liability extend to a camper or trailer?

If you can’t answer these 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.

Tricks in insurance advertising

Well-known insurance companies like 21st Century, Allstate and State Farm seem to constantly run television and radio advertisements. All the ads seem to make the promise that people will save if you get a free insurance quote and switch your coverage to them. How does each company charge lower premium rates? It’s all in the words they use.

Insurance companies offer their best rates for the type of driver that earns them the highest profit. For instance, a profitable customer could possibly be over the age of 45, owns their home, and insures a new vehicle. Anyone that fits those parameters will get a cheap rate quote and have a good chance to save money with a new company.

Consumers who may not quite match the ideal profile will be charged higher premium rates which leads to the customer buying from a different company. If you listen to the ad wording, they say “drivers that switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can advertise the savings. This really illustrates why you really need to compare quotes as often as possible. It is impossible to guess which company will give you lower rates than your current company.

Car insurance coverage considerations

Understanding the coverages of car insurance aids in choosing appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

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 insurance covers things such as colliding with another moving vehicle, crashing into a building, rolling your car and scraping a guard rail. 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 choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance 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 such as falling objects, hitting a deer and fire damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your 2016 Ford F-150.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like EMT expenses, X-ray expenses and hospital visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance provides protection from damage that occurs to other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like legal defense fees, medical services and structural damage. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

In the end, you save

People switch companies for any number of reasons including policy cancellation, not issuing a premium refund, lack of trust in their agent and delays in paying claims. No matter why you want to switch, finding the right car insurance provider is not as difficult as it may seem.

When getting insurance quotes online, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where drivers have reduced liability limits or collision coverage and discovered at claim time that the savings was not a smart move. The goal is to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

Low-cost 2016 Ford F-150 insurance can be bought both online and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies may not offer online rate quotes and usually these smaller companies sell through independent agents.

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