2017 Ford F-150 Insurance Quotes – 8 Tips for Best Rates

Searching for lower insurance coverage rates for your Ford F-150? Did budget coverage turn out to be an underperforming, overpriced insurance coverage policy? Don’t feel bad because many consumers are feeling buyer’s remorse and feel like there’s no way out. Many auto insurance companies vie for your business, so it’s not easy to compare every insurance company and get the best coverage at the lowest rate possible.

You should take the time to compare premium rates as often as possible because insurance coverage rates are constantly changing. If you had the best premium rates for F-150 insurance a year ago you can probably find a better price now. Ignore everything you know about insurance coverage because you’re about to learn the only way to properly buy coverages and cut your premium.

If you have insurance now or are just looking to switch companies, you can learn to reduce the price you pay while maximizing coverage. Finding affordable coverage is not that difficult. Vehicle owners just need to know the most effective way to compare prices on the web.

Discount car insurance quotes

Car insurance is not an enjoyable expense, but you might already qualify for some discounts that you may not even know about. Most are applied at the time you complete a quote, but a few need to be inquired about before being credited.

  • Low Mileage Discounts – Driving fewer miles could earn lower car insurancerates due to less chance of an accident.
  • Telematics Discount – Drivers that enable their car insurance company to look at vehicle usage by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.
  • Accident Forgiveness – Not necessarily a discount, but a few companies such as State Farm and Geico allow you one accident without raising rates if you have no claims for a certain period of time.
  • Accident-Free Discounts – Insureds with no claims or accidents pay much less in comparison with bad drivers.
  • Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you may have a lower total premium amount.
  • Federal Government Employee – Active or former government employment may qualify for a discount when you quote insurance for F-150 insurance with some car insurance companies.
  • Multi-line Discount – Some insurance companies give a lower rate if you buy a life insurance policy as well.
  • Good Student Discount – Being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.

One last thing about discounts, most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free car insurance policy, it’s just not the way it works.

A few of the larger companies and a selection of discounts are shown below.

  • Progressive offers discounts including homeowner, online quote discount, continuous coverage, multi-vehicle, multi-policy, online signing, and good student.
  • AAA includes discounts for education and occupation, pay-in-full, multi-policy, multi-car, and good driver.
  • Farmers Insurance may include discounts for mature driver, business and professional, multi-car, bundle discounts, distant student, electronic funds transfer, and homeowner.
  • Geico may have discounts that include daytime running lights, multi-vehicle, multi-policy, membership and employees, military active duty, and defensive driver.
  • Esurance discounts include claim free, good student, online quote, good driver, renters, and defensive driver.
  • SAFECO offers premium reductions for safe driver, accident prevention training, homeowner, anti-lock brakes, multi-car, drive less, and teen safe driver.
  • State Farm policyholders can earn discounts including accident-free, Drive Safe & Save, defensive driving training, passive restraint, safe vehicle, Steer Clear safe driver discount, and driver’s education.

When getting a coverage quote, ask all companies you are considering which discounts they offer. Some credits might not be available to policyholders in your state. To see a list of insurance companies who offer discounts, click here to view.

How to buy insurance coverage

Comparing insurance coverage rates can take hours if you aren’t aware of the most efficient way. You could spend the better part of a day driving to local insurance agents in your area, or you can utilize the web to maximize your effort.

Many popular insurance companies belong to a marketplace that enables customers to complete one form, and every company can give them a price determined by their information. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To compare rates using this form now click here to open in new window.

The one disadvantage to comparing rates this way is buyers cannot specifically choose the insurers to get quotes from. If you prefer to choose from a list of companies to request quotes from, we have a page of insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use the exact same coverage limits for each price quote. If you enter different values for each quote it’s impossible to find the best deal for your Ford F-150.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • Is business equipment covered while in my vehicle?
  • Is upholstery damage covered by car insurance?
  • Am I getting all the discounts available?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my camper covered by my car insurance policy?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Ford F-150.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Auto liability insurance

Liability coverage protects you from damage that occurs to other people or property in an accident. Split limit liability has three limits of coverage: 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 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like funeral expenses, court costs, pain and suffering, structural damage and legal defense fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a bird, fire damage and damage from getting keyed. The maximum payout you’ll receive from a 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.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as EMT expenses, ambulance fees and surgery. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage

Collision coverage will pay to fix damage to your F-150 caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, hitting a parking meter, sustaining damage from a pot hole, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

What is YOUR best insurance company?

Affordable 2017 Ford F-150 insurance is definitely available both online as well as from independent agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not have rate quotes online and many times these smaller providers only sell coverage through independent agents.

In this article, we covered some good ideas how to shop for 2017 Ford F-150 insurance online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may be surprised to find that the best price on insurance is with a company that doesn’t do a lot of advertising. They often have lower car insurance rates on specific markets compared to the large companies like Progressive and Geico.

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where an insured cut full coverage and discovered at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible at the lowest possible cost.

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