Cheap 2001 Ford F-150 Car Insurance Rates

Looking for lower insurance rates for your Ford F-150? Baffled by the dozens of insurance choices in your area? You’re not alone. Consumers have such a vast assortment of choices available that it is more work than you anticipated to find the perfect company for you.

Do you qualify for discount auto insurance?

Auto insurance companies don’t list all available discounts very well, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

• Military Rewards – Having a deployed family member can result in better prices.
• Defensive Driver Discounts – Participating in a driver safety class could save 5% or more if you qualify.
• Driver Education Discount – Teen drivers should participate in a local driver’s education class if it’s offered in school.
• Claim Free – Claim-free drivers are rewarded with significantly better rates on auto insurance quote when compared to bad drivers.
• Good Student Discount – Excelling in school can earn a discount of 20% or more. The good student discount can last until age 25.
• Discount for Life Insurance – Larger companies have a discount if you purchase some life insurance too.
• Driving Data Discount – Insureds who allow their company to scrutinize where and when they drive by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as the data is positive.
• Early Switch Discount – A few companies give discounts for buying a new policy early. You can save around 10% with this discount.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free auto insurance policy, it just doesn’t work that way. But any discount will bring down your policy cost.

Companies and a selection of discounts are shown below.

• State Farm may offer discounts for defensive driving training, Steer Clear safe driver discount, accident-free, driver’s education, safe vehicle, multiple policy, and multiple autos.
• Geico includes discounts for air bags, five-year accident-free, federal employee, membership and employees, good student, anti-lock brakes, and seat belt use.
• SAFECO may have discounts that include multi-car, anti-theft, accident prevention training, teen safe driver, drive less, and teen safety rewards.
• Farmers Insurance has discounts for bundle discounts, switch companies, early shopping, youthful driver, electronic funds transfer, and good student.
• AAA offers discounts including pay-in-full, education and occupation, multi-car, good student, AAA membership discount, and anti-theft.
• USAA offers premium reductions for military installation, good student, safe driver, new vehicle, and driver training.

Check with every prospective company the best way to save money. Some discounts listed above might not be offered on policies in your area. To see providers who offer cheap auto insurance quotes, click here to view.

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What insurance coverages do I need?

When it comes to buying coverage, there is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

• Do I pay less for low miles?
• How much liability coverage do I need in my state?
• Does my policy cover my teen driver if they drive my company car?
• What is the rate difference between pleasure use and commuting?
• How many claims can I have before being cancelled?
• Are there companies who specialize in insuring high-risk drivers?
• What is roadside assistance coverage?
• What can I do if my company won’t pay a claim?
• Am I covered if hit by an uninsured driver?
• How can I find cheaper teen driver insurance?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Truth in auto insurance advertising

Companies like Allstate, Geico and Progressive constantly bombard you with ads in print and on television. They all try to convey promises that drivers can save some big amount just by moving your policy. How is it possible that every company can charge less that you’re paying now? Here is how they do it.

Different companies have a certain “appetite” for the driver that will most likely be profitable. An example of a desirable risk might be over the age of 50, has never had a policy lapse, and drives a car with an anti-theft system. Anyone who meets those qualifications receives the best car insurance rates and have a good chance to save if they switch.

People who do not fit this stringent profile must pay a more expensive rate and ends up with the customer buying from someone else. The ad wording is “drivers who switch” not “everyone that quotes” save that much when switching. This is how insurance companies can lure you into getting a quote.

Because of this risk profiling, you need to get auto insurance quotes from several different companies. It’s not possible to predict with any certainty which company will have better premium rates than you’re paying now.

Specific coverage details

Having a good grasp of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like ambulance fees, surgery, dental work and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverages – This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle 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. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as attorney fees, pain and suffering, medical expenses, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Collision coverages – Collision insurance covers damage to your F-150 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, sustaining damage from a pot hole, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, damage from getting keyed and hitting a bird. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford F-150.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.

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Saving money makes a lot of cents

Consumers who switch companies do it for many reasons like questionable increases in premium, lack of trust in their agent, denial of a claim or even policy non-renewal. Regardless of your reason, finding a new company is easier than you think.

When shopping online for car insurance, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where an insured dropped comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at a price you can afford and still be able to protect your assets.

Budget-conscious 2001 Ford F-150 insurance can be purchased on the web and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers do not provide the ability to get a quote online and these regional insurance providers prefer to sell through independent insurance agents.

More tips and info about car insurance can be read in these articles:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Think You’re a Safe Driver? (State Farm)

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