2013 Ford F-150 Insurance Cost – 7 Savings Tips

Looking for lower car insurance rates for your Ford F-150? Feel like you’re a prisoner to an expensive car insurance policy? You’re preaching to the choir because many drivers feel the same as you. Lots of auto insurance companies contend for your business, so it can be very hard to choose a insurer and get the best coverage at the cheapest price

It’s a good habit to do price comparisons at least once a year because prices change quite often. If you had the lowest price for F-150 insurance six months ago you may be paying too much now. Block out anything you think you know about car insurance because it’s time to teach you the fastest and easiest way to properly buy coverages and cut your premium.

Ways to get auto insurance quotes

Comparing auto insurance rates can be challenging if you don’t know the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could use online quotes to get pricing more quickly.

Many companies belong to a marketplace that allows shoppers to only type in their quote data once, and every company returns a competitive quote determined by their information. This system prevents you from having to do quotation requests to each company. To compare rates now click to open in new window.

The only drawback to comparing rates this way is you are unable to specify which carriers you want pricing from. If you prefer to choose specific insurance companies to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you’re using nearly identical coverages and limits on every quote you get. If the quotes have different data you can’t possibly find the best deal for your Ford F-150.

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Save $466 a year! What?

Consumers can’t avoid all the ads that promise big savings from companies such as State Farm, Allstate and Geico. All the ads make an identical promise of big savings just by switching your insurance policy to them.

How does every company say the same thing? You have to listen carefully.

All companies look for specific characteristics for the right customer they prefer to insure. An example of this type of driver may be over the age of 40, has a clean driving record, and drives a car with an anti-theft system. Any person who fits that profile will get the preferred premium rates and will also save when they switch companies.

Drivers who may not quite match the requirements will be quoted a higher premium and this can result in the prospect going elsewhere. Company advertisements say “drivers that switch” but not “everyone who gets a quote” can save as much as they claim. This is how companies can truthfully advertise the way they do.

That is why you really should compare as many free car insurance quotes as you can. Because you cannot predict with any certainty which company will have the best prices.

More discounts mean lower-cost premiums

Insuring your vehicles can cost a lot, but you may be missing some discounts to cut the cost considerably. Some of these disounts will be visible at quote time, but a few need to be specifically requested before you will receive the discount.

• Senior Discount – Seniors may qualify for a discount up to 10% for F-150 insurance.
• Early Payment Discounts – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
• Multi-policy Discount – If you combine your auto and home policies with the same insurance company you may save 10% to 20% off each policy.
• Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease for F-150 insurance with certain companies.
• Defensive Driver Discounts – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
• Driver Education Discount – Require your teen driver to sucessfully take a drivers education course as it can save substantially.
• Good Grades Discount – This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.

A few popular companies and the discounts they provide can be found below.

• State Farm offers premium reductions for student away at school, passive restraint, defensive driving training, multiple policy, good student, safe vehicle, and Steer Clear safe driver discount.
• Geico policyholders can earn discounts including driver training, anti-theft, multi-vehicle, membership and employees, and multi-policy.
• SAFECO may have discounts that include accident prevention training, anti-lock brakes, drive less, teen safety rewards, teen safe driver, anti-theft, and safe driver.
• Farmers Insurance offers discounts including homeowner, alternative fuel, switch companies, distant student, good student, and electronic funds transfer.
• AAA has discounts for AAA membership discount, good student, anti-theft, good driver, pay-in-full, multi-car, and education and occupation.
• USAA may include discounts for loyalty savings, multi-vehicle, annual mileage, good student, and new vehicle.

Before purchasing a policy, check with every company which discounts you qualify for. Savings may not apply to policyholders in your area. To view insurance companies that offer many of these discounts, click this link.

It’s not one size fits all

When choosing the right insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

• Are split liability limits better than a combined single limit?
• Should I buy only the required minimum liability coverage?
• Should I rate my 2013 Ford F-150 as pleasure use or commute?
• Am I covered if I drive in a foreign country?
• Should I waive the damage coverage when renting a car?
• How many claims can I have before being cancelled?
• Is my 2013 Ford F-150 covered for flood damage?
• Is borrowed equipment or tools covered if stolen or damaged?
• What discounts do I qualify for?
• Am I covered if I wreck a rental car?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

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Insurance coverage basics

Knowing the specifics of a insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford F-150.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Collision protection

This will pay to fix damage to your F-150 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, damaging your car on a curb, colliding with another moving vehicle, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills for things like prosthetic devices, pain medications and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, falling objects, damage from a tornado or hurricane and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance

This coverage protects you from damage that occurs to other people or property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, emergency aid, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage on a shoestring budget

When shopping online for auto insurance, do not reduce coverage to reduce premium. In many instances, an insured cut uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at the best price and still be able to protect your assets.

We covered some good ideas how you can reduce 2013 Ford F-150 insurance rates online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheap car insurance. Consumers may even find the lowest rates are with the smaller companies. They may only write in your state and offer lower car insurance rates than their larger competitors like Progressive or Geico.

More information can be read at the links below

• Credit Impacts Car Insurance Rates (State Farm)
• Who Has Affordable Omaha Auto Insurance for a Ford F-150? (OmahaInsure.com)
• Credit and Insurance Scores (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)

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