2023 Ford Maverick Car Insurance Rates in 2024 – 8 Ways to Save

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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: Mar 28, 2024

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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There isn’t a single person who likes paying for car insurance, in particular when the cost is too high. Multiple car insurance companies compete for your business, and it can be difficult to compare rates to find the absolute lowest price

It’s a great practice to check car insurance prices periodically due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the best deal for Maverick coverage a couple years back a different company probably has better rate quotes today. You’ll find quite a bit of inaccurate information about car insurance online but in a few minutes you can learn some of the best techniques to lower your car insurance bill.

How to compare insurance coverage quotes

There are multiple methods to compare insurance coverage prices but there is one way that is more efficient than others. You can waste a lot of time driving to agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most of the best insurance companies participate in a marketplace that allows shoppers to submit their information once, and each participating company can provide price quotes. This system prevents you from having to do quote forms to every company. To participate in this free quote system, enter your zip code here.

The one disadvantage to pricing coverage this way is you are unable to specify the providers you will receive quotes from. So if you want to choose specific providers to compare, we have a listing of companies who write insurance coverage in your area. Click to enter zip code for insurance companies.

You can choose any of those ways to find more affordable coverage, but double check that you are using nearly identical quote data for each price quote. If each company quotes different data it’s not possible to determine the best price for your Ford Maverick.

Cut your car insurance rates with these eight discounts

Buying car insurance is not cheap, but you might already qualify for some discounts that you may not even know about. Some of these discounts will be visible when you purchase, but once in a while a discount must be asked for prior to receiving the credit.

  • Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
  • Telematics Discount – Insureds that choose to allow their car insurance company to track their driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if their driving habits are good.
  • Passive Restraint Discount – Options like air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Federal Government Employee – Federal government employees may qualify for a discount when you quote car insurance for Maverick coverage depending on your company.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and therefore earn up to a 10% discount.
  • Multi-Vehicle Discounts – Purchasing coverage when you have primary and secondary vehicles with one company can get a discount on all vehicles.
  • Multiple Policy Discount – If you can combine your auto and home policy with the same insurance company you could earn a discount of at least 10% off all policies.
  • ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.

Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, car insurance companies aren’t that generous.

A few popular companies and a partial list of their discounts are shown below.

  • GEICO includes discounts for membership and employees, anti-lock brakes, anti-theft, daytime running lights, five-year accident-free, and multi-vehicle.
  • Auto-Owners Insurance may offer discounts for mature driver, teen driver, safe driver, multi-policy, student away at school, and good student.
  • American Family may have discounts that include defensive driver, good student, good driver, mySafetyValet, and Steer into Savings.
  • Esurance offers premium reductions for multi-car, good student, anti-theft, homeowner, online shopper, safety device, and online quote.
  • Progressive offers discounts for online quote discount, online signing, homeowner, multi-vehicle, multi-policy, and continuous coverage.
  • State Farm has discounts for Steer Clear safe driver discount, good driver, student away at school, Drive Safe & Save, good student, passive restraint, and safe vehicle.
  • AAA may include discounts for good student, pay-in-full, anti-theft, education and occupation, multi-car, multi-policy, and good driver.

Check with each company or agent the best way to save money. Depending on the company, some discounts might not be offered in your area. To locate insurance companies that provide some of the discounts listed above, enter your zip code here.

You are unique and your auto insurance should be too

When buying the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For instance, these questions might point out whether your personal situation might need professional guidance.

  • How high should my medical payments coverage be?
  • Should I carry comprehensive and collision coverage?
  • What are the financial responsibility laws in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Who is covered by my policy?
  • Should I buy additional glass protection?
  • What is the minimum liability in my state?
  • What should my uninsured motorist coverage limits be in my state?
  • Does liability extend to a camper or trailer?
  • Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, fill out your zip code. It’s fast, free and can help protect your family.

Specific coverage details

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, a broken windshield, hitting a bird, damage from a tornado or hurricane and fire damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Maverick.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for rehabilitation expenses, surgery and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This will pay to fix damage to your Maverick caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability coverage – Liability insurance can cover damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims, and 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. You might see liability limits of 25/50/25 which stand for 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 coverage pays for things like court costs, emergency aid and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Affordable insurance is out there

Affordable 2023 Ford Maverick insurance can be found from both online companies and from local agencies, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and usually these regional insurance providers sell through independent insurance agencies.

We’ve covered some good ideas how you can get a better price on 2023 Ford Maverick insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding the cheapest car insurance. You may be surprised to find that the lowest priced auto insurance comes from a small mutual company. Regional companies can often provide lower car insurance rates in certain areas compared to the large companies like State Farm and Allstate.

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. Too many times, an insured dropped full coverage and learned later they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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