Cheapest 2013 Ford F-150 Insurance Rates in 2023
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UPDATED: May 11, 2022
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Searching for lower car insurance rates for your Ford F-150? Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, you’re not the only one. There is such a variety of insurance companies to buy insurance from, and although it’s a good thing to be able to choose, having more insurance companies makes it harder to locate the cheapest rates.
You should make it a habit to check car insurance prices occasionally due to the fact that insurance rates are variable and change quite frequently. Just because you found the lowest price for F-150 insurance a couple years back there is a good chance you can find better rates now. You can find a lot of wrong information about car insurance on the web, but by reading this article, you’re going to learn the best ways to find cheap car insurance.
Choosing the best insurance company for you is not that difficult. If you have a policy now or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. Drivers only need an understanding of the most effective way to compare company rates online.
Factors that might impact rates for a Ford F-150
It’s important that you understand some of the elements that come into play when calculating your insurance coverage rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in lower insurance coverage prices.
- Where you reside plays a part – Being located in small towns and rural areas can be a good thing when insuring your vehicles. Lower population translates into fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities regularly have much more traffic to deal with and much longer commute distances. Higher commute times means more change of being in an accident.
- Men fork out a little more – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes cause accidents in similar numbers, but the male of the species cause more damage. Men also tend to get more serious tickets such as DWI and reckless driving. Young males tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
- Low deductibles can be expensive – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Ford. Examples of covered claims are collision with another vehicle, damage from fire, or theft. Your deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you’re willing to pay, the lower your rates will be for F-150 insurance.
- Being married is a good thing – Having a spouse helps lower the price on your insurance coverage policy. Having a spouse means you’re more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
- High crash test scores lower rates – Vehicles with high crash test scores get lower rates. The safest vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and lower rates for you. If your Ford has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
Compare Quotes for Auto Insurance
Shopping for lower auto insurance rates can be exhausting if you don’t know the fastest way to get free quotes. You can spend countless hours talking to agents in your area, or you can utilize the internet to get rates in a matter of minutes.
Most of the best insurance companies belong to an insurance system where prospective buyers submit their information once, and each company returns a rated price for coverage. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.
To enter your information into the quoting system, click here (opens in new window).
The only downside to getting quotes like this is you cannot specify which companies to receive prices from. So if you want to choose specific providers to compare rates, we put together a list of companies who write auto insurance in your area.
It’s up to you how you get prices quotes, just make sure you use apples-to-apples information with every price quote. If each company quotes differing limits then you won’t be able to determine the best price for your Ford F-150.
Pay less for Ford F-150 insurance
Auto insurance companies do not advertise every available discount very clearly, so here is a list some of the more common and the more hidden discounts you could be receiving. If you’re not getting every credit possible, you’re just leaving money on the table.
- Senior Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums for F-150 insurance.
- Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
- One Accident Forgiven – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
- Pay Upfront and Save – By paying your policy upfront instead of paying each month you can actually save on your bill.
- Safety Course Discount – Completing a driver safety course can save you 5% or more if you qualify.
- Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
- Accident Free – Claim-free drivers pay much less when compared to frequent claim filers.
As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.
To see a list of insurers offering insurance coverage discounts, follow this link.
Tailor your coverage to you
When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help highlight if your situation might need professional guidance.
- Is my cargo covered for damage or theft?
- When would I need rental car insurance?
- When does my teenage driver need to be added to my policy?
- Does my 2013 Ford F-150 need full coverage?
- When do I need to add a new car to my policy?
- Is my business laptop covered if it gets stolen from my vehicle?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.
Specifics of your insurance policy
Knowing the specifics of insurance helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as rock chips in glass, damage from a tornado or hurricane, hitting a deer, theft and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Insurance for medical payments
Coverage for medical payments and/or PIP kick in for immediate expenses for chiropractic care, nursing services, rehabilitation expenses and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay
Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.
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. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability can pay for claims such as bail bonds, medical expenses and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
This coverage pays for damage to your F-150 resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like backing into a parked car, hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Buy Smart and Save
The cheapest 2013 Ford F-150 insurance is available both online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.
We’ve covered some good ideas how you can lower your insurance rates. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the best prices are with some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.
For more information, take a look at the articles below:
- Collision Coverage (Liberty Mutual)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
- Collision Insurance Coverage (Nationwide)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Distracted Driving (Insurance Information Insitute)
- Eight Auto Insurance Myths (Insurance Information Insitute)
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