How Much Does 2021 Ford F-150 Insurance Cost in 2024?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2024

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When shopping for more affordable insurance, do you get frustrated by the dozens of insurance coverage sources available to you? people have such a vast assortment of sources available that it can quickly become more work than you anticipated to compare rates.

It is always a good idea to do rate comparisons every six months because prices are variable and change quite frequently. Even if you got the lowest quotes for F-150 insurance six months ago the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance coverage online but I’m going to show you some of the best techniques to lower your insurance coverage rates.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. This information will introduce you to how to get online quotes and some money-saving tips. Although vehicle owners do need to know how big insurance companies compete online.

Earn discounts to get lower-cost insurance quotes

Insurance can be pricey, but there’s a good chance there are discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at quote time, but a few must be specially asked for before you get the savings.

  • Defensive Driving Course – Taking part in a course that instructs on driving safety could earn you a small percentage discount if your company offers it.
  • Driver’s Ed – Teen drivers should successfully complete driver’s ed class as it can save substantially.
  • Claim-Free Discount – Good drivers with no accidents get the best insurance rates as opposed to drivers with a long claim history.
  • Auto/Life Discount – Companies who offer life insurance give a lower premium rate if you buy some life insurance too.
  • Accident Waiver – Not necessarily a discount, but companies like State Farm, Progressive and GEICO will let one accident slide without raising rates so long as you are claim-free for a specific time period.
  • Lower Rates for Military – Being deployed with a military unit could mean lower premium rates.
  • 55 and Retired – Seniors may qualify for a slight reduction on a insurance quote for F-150 insurance.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.

To view companies that offer the discounts shown above, enter your zip code here.

Get cheaper car insurance with these tips

Many factors are part of the calculation when premium rates are determined. Some are obvious like an MVR report, but other criteria are less obvious such as whether you are married or your vehicle rating.

  • Men pay higher premiums – Over the last 30 years, statistics show females are less aggressive when driving. This data doesn’t prove that men are worse drivers. Males and females tend to get into at-fault accidents in similar percentages, but males cause more damage and cost insurance companies more money. They also receive more major tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 are the most expensive to insure so they pay the highest premiums.
  • Lower rates for safer cars – Safe vehicles tend to be cheaper to insure. Safe vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Ford F-150 earned at least four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Cautious drivers pay lower prices – Attentive drivers get better prices than their less careful counterparts. Only having one driving citation may increase your cost forty percent or more. People who have dangerous violations like DUI or willful reckless driving might be required by their state to maintain a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Claim-free discounts can add up – Companies give discounts to drivers who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can look forward to higher rates. Insurance coverage is intended for claims that you cannot pay yourself.
  • Drive less and pay lower prices – The higher the mileage driven in a year’s time the higher the price you pay to insure it. Most insurance companies calculate rates based upon how much you drive. Vehicles that do not get driven very much receive lower rates than cars that get driven a lot. Having an incorrect usage rating on your F-150 may be costing you higher rates. Ask your agent if your car insurance policy properly reflects the correct usage, because it can save money.
  • Do you know you’re credit rating? – An insured’s credit history will be a significant factor in calculating your car insurance rates. If your credit history is low, you may save money insuring your 2021 Ford F-150 by taking the time to improve your credit score. People with very good credit scores tend to be less risk to insure as compared to drivers with bad credit.
  • Only buy coverage you need – There are a lot of additional extra coverages that sound like a good idea at the time if you aren’t careful. Add-on coverages like vanishing deductibles, death and dismemberment, and term life insurance are probably not needed. These coverages may sound good initially, but if you’ve never needed them in the past eliminate them to save money.

Tailor your auto insurance coverage to you

When buying coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether you may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Is my ex-spouse still covered by my policy?
  • Do I have newly-acquired coverage?
  • When would I need rental car insurance?
  • Does coverage extend to my business vehicle?
  • Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete your zip code.

Specifics of your insurance policy

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Auto liability insurance – This coverage can cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims. Liability 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. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like medical expenses, legal defense fees, repair costs for stationary objects, court costs and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from a tornado or hurricane and hitting a deer. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford F-150.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance – Med pay and PIP coverage pay for expenses like doctor visits, ambulance fees and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision – This covers damage to your F-150 resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Keep this in mind

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Drivers who switch companies do it for a variety of reasons including questionable increases in premium, high rates after DUI convictions, policy non-renewal or even policy cancellation. Regardless of your reason for switching companies, finding a new auto insurance company is easier than you think.

You just learned many ideas to shop for 2021 Ford F-150 insurance online. The key thing to remember is the more you quote insurance, the better your chances of lowering your rates. You may even find the biggest savings come from a smaller regional carrier.

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