View 2023 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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Want lower auto insurance rates for your Ford F-150? Are you confused by the number of auto insurance choices that you can choose from? You’re not alone. consumers have so many choices to choose from that it is a challenge to find a cheaper company.

Buying car insurance is not rocket science. Just about anyone who has to buy insurance should be able to cut their insurance bill. Nevertheless, drivers should learn how companies market insurance on the web and apply this information to your search.

How to compare free car insurance price quotes

Most companies allow consumers to get prices for coverage directly from their websites. Doing online price comparisons is very simple as you just type in into the quote form. Once entered, their quoting system gets information on your driving record and credit history and generates pricing information.

Being able to quote online makes comparing rates easy, but having to visit many different websites and type in your information can get tiresome after awhile. Unfortunately, it is important to perform this step if you are searching for better car insurance pricing.

Isn’t there an easier way to compare rates?

A better way to find better car insurance pricing makes use of a single form that gets price quotes from many companies. It’s a real time-saver, requires much less work on your part, and makes online shopping a lot less work. After sending the form, it is quoted with multiple companies and you can pick any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process just takes a couple of minutes and you’ll know if lower rates are available.

In order to compare rates now, simply enter your zip code here and complete the simple form. If you have your current policy handy, we recommend you replicate the insurance coverages identical to your current policy. This helps ensure you are getting a price comparison for exact coverage.

Get cheap car insurance with discounts

Companies offering auto insurance do not advertise the entire discount list very clearly, so the following list contains some of the more common as well as some of the hidden discounts that you may qualify for. If they aren’t giving you every credit you qualify for, you could be getting lower rates.

  • Theft Deterrent System – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Switch and Save Discount – Select larger companies give a discount for renewing your policy prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Payment Method – By making one initial payment rather than spreading payments over time you may reduce your total bill.
  • Military Rewards – Being deployed in the military can result in better premium rates.
  • Save with a New Car – Buying a new car model can save up to 30% since new vehicles are generally safer.
  • Onboard Data Collection – Insureds that choose to allow their insurance company to look at their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they exhibit good driving behavior.
  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy a life policy as well.
  • Good Driver Discount – Drivers without accidents may save up to 50% more for F-150 insurance compared to accident prone drivers.

Please keep in mind that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Just because you may think all those discounts means the company will pay you, that’s just not realistic.

Larger car insurance companies and the discounts they provide are included below.

  • 21st Century offers discounts for good student, driver training, theft prevention, automatic seat belts, and homeowners.
  • State Farm has discounts for Drive Safe & Save, safe vehicle, Steer Clear safe driver discount, student away at school, and accident-free.
  • AAA has savings for AAA membership discount, pay-in-full, anti-theft, good student, multi-car, good driver, and education and occupation.
  • Liberty Mutual offers premium reductions for new vehicle discount, newly married, multi-policy, new graduate, newly retired, preferred payment discount, and teen driver discount.
  • Progressive discounts include multi-policy, online quote discount, good student, homeowner, multi-vehicle, continuous coverage, and online signing.

Before you buy a policy, ask all the companies which discounts can lower your rates. Some discounts may not apply in your state. To find companies with discount car insurance rates, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help you determine whether or not you will benefit from professional help.

  • Can my teen drive my company car?
  • When can I cancel my policy?
  • How high should my medical payments coverage be?
  • Will my rates increase for filing one claim?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete your zip code.

Insurance coverages explained

Having a good grasp of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability auto insurance

Liability coverage can cover damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others. Liability 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. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as structural damage, loss of income, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses for EMT expenses, surgery, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, rock chips in glass, a broken windshield and theft. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

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