View 2018 Ford F-150 Insurance Quotes

Want the cheapest insurance rates for your Ford F-150? Are you sick and tired of sacrificing other expenses to pay your insurance bill each month? You have the same problem as the majority of other drivers. Lots of auto insurance companies contend for your business, so it’s not easy to compare every company to find the cheapest price

You should make it a habit to take a look at other company’s rates before your policy renews since insurance prices go up and down regularly. Even if you got the best deal for F-150 insurance a few years ago there is a good chance you can find better rate quotes now. You can find a lot of wrong information about insurance on the internet, but in this article, you’re going to get some good information on how to buy insurance cheaper.

If you have a policy now or need a new policy, you can use these tips to reduce the price you pay while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Drivers only need an understanding of how to compare price quotes online.

The method we recommend to get policy rate comparisons takes advantage of the fact most of the bigger providers participate in online systems to provide you with free rate quotes. The only thing you need to do is spend a couple of minutes providing details like the year, make and model of vehicles, whether you have decent credit, how old drivers are, and whether the vehicles are used for commuting. Those rating factors gets transmitted to many of the top insurers and you receive quotes with very little delay.

Do you qualify for discounts?

Buying insurance coverage is not cheap, but you might find some hidden discounts that many consumers don’t even know exist. Some discounts will apply at the time of quoting, but once in a while a discount must be asked about in order for you to get them.

  • Student Discounts – Getting good grades can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes are much safer to drive so you can save 10 percent or more.
  • College Student Discount – Children who are enrolled in higher education away from home and do not have access to a covered vehicle could get you a discount.
  • Federal Employees – Active or retired federal employment could provide a small rate reduction for F-150 insurance with certain companies.
  • Passive Restraints and Air Bags – Options like air bags or motorized seat belts could see savings as much as 30%.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

The best insurance coverage companies and some of the premium reductions they offer are included below.

  • American Family has savings for early bird, Steer into Savings, good student, good driver, multi-vehicle, TimeAway discount, and bundled insurance.
  • State Farm may include discounts for Steer Clear safe driver discount, passive restraint, multiple autos, defensive driving training, accident-free, safe vehicle, and multiple policy.
  • 21st Century offers discounts including automatic seat belts, 55 and older, defensive driver, theft prevention, good student, anti-lock brakes, and driver training.
  • Travelers may have discounts that include IntelliDrive, early quote, continuous insurance, new car, student away at school, save driver, and good student.
  • Geico offers discounts for daytime running lights, air bags, federal employee, good student, and driver training.

If you need lower rates, check with every insurance company the best way to save money. All car insurance discounts may not apply to policies in your area. To locate insurance coverage companies that can offer you the previously mentioned discounts, click this link.

Don’t assume everyone needs the same insurance coverage

When it comes to buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining if you may require specific advice.

  • What if I don’t agree with a claim settlement offer?
  • Can my babysitter drive my car?
  • Does having multiple vehicles earn me a discount?
  • Is my dog or cat covered if injured in an accident?
  • Why am I required to buy high-risk coverage?
  • How much liability coverage do I need in my state?
  • Should I buy only the required minimum liability coverage?
  • Am I insured when driving a different vehicle?
  • Is business property covered if stolen from my car?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Car insurance policy coverages for a 2018 Ford F-150

Knowing the specifics of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages available from car insurance companies.

Auto liability

This protects you from damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like bail bonds, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, surgery and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage will pay to fix damage to your F-150 caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, rolling your car, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, a broken windshield, falling objects and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

The bottom line

We’ve covered many ways to shop for 2018 Ford F-150 insurance online. The key thing to remember is the more companies you get car insurance rates for, the better chance you’ll have of finding cheap auto insurance. Drivers may discover the best price on insurance is with a small mutual company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

A few companies may not have online price quotes and most of the time these regional carriers only sell coverage through independent agents. More affordable insurance can be found both online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money.

Additional information can be read on the following sites: