Cheapest 2014 Ford F-150 Insurance Rates in 2023
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UPDATED: Nov 24, 2021
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Finding lower rates for insurance can be a challenge for beginners to comparing rates online. People have so many options available that it can be a big hassle to find the best price.
Ford F-150 insurance rates consist of many parts
An important part of buying insurance is that you know the rating factors that help determine insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get big savings.
The following are a few of the “ingredients” companies use to determine your rates.
- Don’t sacrifice liability coverage – Liability insurance is the protection in the event that you are found to be at fault for damages from an accident. It will provide legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not skimp.
- Occupation reflects on rates – Occupations such as judges, social workers and accountants are shown to have higher rates than average in part from stressful work requirements and long work days. On the flip side, professions such as pilots, athletes and the unemployed pay the least for F-150 coverage.
- Do you qualify for a multi-policy discount? – Some insurers will award you with lower prices to policyholders who have multiple policies with them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even with this discount, it’s still a good idea to shop around to verify if the discount is saving money.
- Older drivers pay less – Youthful drivers are known to be more careless behind the wheel so they pay higher insurance rates. Adding a youthful driver onto a policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
Vehicle Insurance Comparison
All the larger insurance coverage companies provide prices for coverage on the web. Getting quotes is quite easy as you just type in your coverage preferences into a form. Once entered, the system automatically orders your driving record and credit report and returns pricing information based on many factors.
Quoting online makes comparing rates easy, but having to visit a lot of sites and enter the same data into a form gets old quite quickly. But it is imperative to have as many quotes as possible if you are searching for a lower rate.
The easiest way to compare insurance coverage pricing uses one form that obtains quotes from many companies. This type of form saves time, eliminates repetitive work, and makes comparison shopping much simpler. As soon as you send your information, it gets priced with multiple companies and you can pick any one of the returned quotes.
If a lower price is quoted, you simply finish the application and buy the policy. The whole process takes 15 minutes at the most and may result in a nice savings.
To find out what other companies charge, click here and enter your information. To compare your current rates, we recommend you replicate the coverage information as shown on your current policy. Doing this assures you will have a rate comparison based on identical coverages.
Policy discounts you shouldn’t miss
Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Some trigger automatically at quote time, but some may not be applied and must be inquired about prior to receiving the credit.
- Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
- Accident Waiver – A few companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
- Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% off your PIP or medical payments premium.
- Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
- Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
- Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because of the fact that having a home demonstrates responsibility.
- College Student – Kids in college living away from home attending college without a vehicle on campus can be insured at a reduced rate.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. So when it seems like you could get a free auto insurance policy, you won’t be that lucky. Any amount of discount will bring down your premiums.
For a list of providers with the best auto insurance discounts, follow this link.
Insurance agents can help
When it comes to buying the right insurance coverage, there is no perfect coverage plan. Each situation is unique.
For instance, these questions could help you determine if your situation will benefit from professional help.
- When should my teen driver be added to my policy?
- Is my dog or cat covered if injured in an accident?
- What is the difference between comprehensive and collision coverage?
- What can I do if my company denied a claim?
- Where can I find DUI or SR-22 insurance?
- Does insurance cover tools stolen from my truck?
- What is the rate difference between pleasure use and commuting?
- Am I covered when driving in Canada or Mexico?
- I don’t drive much so do I pay less?
- Is my state a no-fault state?
If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form.
Insurance coverage considerations
Having a good grasp of your insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.
Protection from uninsured/underinsured drivers
This gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Ford F-150.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.
This pays for damage to your F-150 resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims like hitting a parking meter, rolling your car, colliding with a tree, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.
Auto liability insurance
This coverage provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against things like pain and suffering, structural damage, repair bills for other people’s vehicles, medical expenses and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive (Other than Collision)
This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as rock chips in glass, fire damage, falling objects and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical expense insurance
Med pay and PIP coverage pay for short-term medical expenses for prosthetic devices, nursing services, EMT expenses, rehabilitation expenses and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Shop Smart and Save
You just read many ways to shop for 2014 Ford F-150 insurance online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the most savings is with the smaller companies.
As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where drivers have reduced liability coverage limits to discover at claim time they didn’t have enough coverage. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.
Discount insurance is definitely available both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and these small insurance companies work with independent agents.
More tips and info about auto insurance is located at these sites:
- State Laws for Cellphones and Texting (iihs.org)
- Rollover Crash FAQ (iihs.org)
- Winter Driving (Insurance Information Insitute)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Your Car has been Stolen: Now What? (Allstate)
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