2018 Ford F-150 Insurance Rates – 7 Savings Tips

Searching for the cheapest auto insurance rates? Consumers have lots of choices when looking for the best price on Ford F-150 insurance. You can either spend your time calling around getting price quotes or save time using the internet to compare rates. There is a right way and a wrong way to buy auto insurance so you’re going to learn the proper way to price shop coverage on a Ford and locate the lowest possible price.

Buying car insurance is not that difficult. If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Drivers only need to know the proper way to compare company rates online.

The quickest method we recommend to compare car insurance rates is to take advantage of the fact car insurance companies will pay a fee to quote your coverage. The only thing you need to do is spend a couple of minutes providing details like whether your vehicle is owned or leased, your education level, any included safety features, and daily mileage. That rating data is instantly provided to many highly-rated insurers and you will receive price estimates with very little delay.

Save money with these seven discounts

Some insurance providers don’t always publicize every possible discount very well, so the list below contains a few of the more common and also the more inconspicuous credits available to you. If you check and find you aren’t receiving every discount possible, you may be paying too high a price.

• Membership in Organizations – Belonging to qualifying clubs or civic groups is a simple method to lower premiums on your bill.
• Online Discount – A handful of auto insurance companies provide a small discount simply for signing online.
• Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
• Home Ownership Discount – Owning a home can get you a discount since owning and maintaining a home shows financial diligence.
• Multiple Vehicles – Buying a policy with more than one vehicle with one company qualifies for this discount.
• Safety Course Discount – Participating in a class that teaches defensive driver techniques could possibly earn you a 5% discount and also improve your driving technique.
• Student in College – Kids who are enrolled in higher education away from home and do not take a car to college may be insured at a cheaper rate.

It’s important to note that most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, you’re out of luck.

A few of the larger companies and their possible discounts include:

• State Farm may offer discounts for good student, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, and anti-theft.
• American Family offers discounts for good driver, good student, air bags, early bird, multi-vehicle, mySafetyValet, and accident-free.
• Geico policyholders can earn discounts including military active duty, multi-vehicle, driver training, air bags, anti-theft, and emergency military deployment.
• 21st Century has savings for homeowners, 55 and older, automatic seat belts, good student, student driver, and air bags.
• Progressive may have discounts that include online signing, homeowner, continuous coverage, multi-policy, and online quote discount.

Check with each company to apply every possible discount. Savings may not be offered in your state. If you would like to see a list of providers that provide some of the discounts listed above, follow this link.

Insurance can be complex

When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

For example, these questions could help you determine if you could use an agent’s help.

• Am I insured when driving a different vehicle?
• What happens if I owe more than my 2018 Ford F-150 is worth?
• How much can I save by bundling my policies?
• Why do I only qualify for high-risk insurance?
• Will I be non-renewed for getting a DUI or other conviction?
• What is no-fault insurance?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Insurance coverage specifics

Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability insurance

This coverage provides protection from injuries or damage you cause to people or other property. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as repair bills for other people’s vehicles, attorney fees, structural damage, medical expenses and bail bonds. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, damage from flooding, theft, falling objects and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like prosthetic devices, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision protection

Collision insurance will pay to fix damage to your F-150 resulting from a 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 coverage protects against claims such as driving through your garage door, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Smart shoppers get results

We just covered many ways to compare 2018 Ford F-150 insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding inexpensive car insurance. Consumers could even find that the most savings is with a smaller regional carrier.

Some companies do not provide internet price quotes and these small insurance companies work with local independent agencies. Affordable 2018 Ford F-150 insurance can be found both online and from local agencies, and you need to price shop both to have the best rate selection.

When searching for cheaper car insurance quotes, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where someone dropped full coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the best price and still be able to protect your assets.

More articles

• Alcohol Impaired Driving FAQ (iihs.org)
• Who Has Affordable Omaha Auto Insurance for a Ford F-150? (OmahaInsure.com)
• Safety Features for Your New Car (State Farm)
• Property Damage Coverage (Liberty Mutual)
• Car Insurance: When not to Skimp (BankRate.com)
• Car Insurance FAQ (Trusted Choice)
• Insurance Losses by Make and Model (iihs.org)