1999 Ford F-150 Insurance Rates – 7 Ways to Save

Did a good deal turn into an overpriced auto insurance policy? Say no more because there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Companies like State Farm, Farmers Insurance, Geico and Allstate continually bombard you with fancy advertisements and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

These seven discounts can lower your insurance quotes

Some insurers don’t always list all possible discounts in a way that’s easy to find, so the list below contains both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy auto insurance online.

• Fewer Miles Equal More Savings – Driving less could be rewarded with slightly better premium rates than normal.
• Student Discounts – This discount can earn a discount of 20% or more. This discount can apply up to age 25.
• Discount for Life Insurance – Insurance carriers who offer life insurance give better insurancerates if you take out some life insurance too.
• Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
• Driver’s Education for Students – Have your child participate in a local driver’s education class if it’s offered in school.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle their seat belts could cut 10% or more on medical payment and PIP coverage.
• Multiple Vehicles – Buying insurance for multiple cars with the same insurance company qualifies for this discount.

You should keep in mind that some of the credits will not apply the the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A partial list of companies who may offer some of the discounts shown above include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

If you need lower rates, check with each insurance company which credits you are entitled to. All car insurance discounts may not be available in your area. To view insurance companies that provide some of the discounts listed above, click here.

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Ads can be misleading

Companies like Allstate, Geico and Progressive endlessly run ads on TV and radio. They all seem to make the same claim that drivers can save some big amount if you move your auto insurance coverage to their company. How is it possible that every company can make the same claim?

All companies require specific criteria for the type of customer that will not have excessive claims. One example of this type of risk profile could possibly be a married male, has never had a policy lapse, and drives a safe vehicle. Any customer who matches those parameters gets the lowest car insurance rates and will probably cut their rates if they switch.

Insureds who do not fit these criteria will probably be forced to pay higher premium rates which usually ends up with business not being written. The ads state “drivers that switch” not “everyone who quotes” save money. That is how insurance companies can make those claims.

Each company has different criteria, so drivers must compare many company’s rates. Because you cannot predict which company will be your best fit.

Different people need different insurance coverage coverages

When buying the best insurance coverage coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique so your insurance needs to address that. These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

• What is no-fault insurance?
• Are my friends covered when driving my car?
• Does my 1999 Ford F-150 qualify for pleasure use?
• How does medical payments coverage work?
• Does my car insurance cover rental cars?
• Why am I required to buy liability insurance?
• Should I have combined single limit or split liability limits?
• Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

What car insurance coverages do you need?

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.

Liability insurance – This coverage provides protection from damage or injury you incur to other people or property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like loss of income, funeral expenses, bail bonds and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage – Comprehensive insurance coverage pays for 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 pays for claims like a tree branch falling on your vehicle, hitting a bird, falling objects and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Ford F-150.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – This pays for damage to your F-150 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for bills for pain medications, prosthetic devices, dental work, EMT expenses and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

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The bottom line

We just showed you a lot of tips how to shop for 1999 Ford F-150 insurance online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper auto insurance. Consumers may even find the biggest savings come from some of the smallest insurance companies. These companies can often provide lower premium rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

Cheaper insurance coverage is available from both online companies in addition to local insurance agencies, and you should compare rates from both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agencies.

More detailed insurance coverage information can be read by following these links:

• Medical Payments Coverage (Liberty Mutual)
• Who Has the Cheapest Fort Wayne Auto Insurance Rates for a Ford F-150? (FortWayneInsure.com)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Liability Insurance Coverage (Nationwide)
• Tread Depth and Tire Safety (State Farm)

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