1991 Ford F-150 Car Insurance Rates

Looking for lower insurance coverage rates for your Ford F-150? Finding low-cost insurance for a new or used Ford F-150 could be difficult, but you can use the following methods to find lower rates.

There is a better way to buy insurance coverage and we’ll show you the best way to compare rates on a Ford and locate the cheapest rates from local insurance agents and online providers.

Vehicle Insurance Comparison

Shopping for lower auto insurance rates can take hours if you aren’t aware of the most efficient way to do it. You can spend countless hours discussing policy coverages with agents in your area, or you can utilize online quotes to get rates in a matter of minutes.

Most of the larger companies enroll in a system that enables customers to send in one quote, and at least one company can provide price quotes determined by their information. This eliminates the need for repetitive form submissions to each company.

To participate in this free quote system, click here to open in new window.

The one downside to getting quotes like this is you are unable to specify which companies to get pricing from. So if you want to choose from a list of companies to compare rates, we have a page of low cost auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you use the exact same coverages for every company. If you are comparing different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best.

Cut prices on 1991 Ford F-150 insurance

Insurance can cost an arm and a leg, but you may find discounts to reduce the price significantly. Most are applied when you purchase, but lesser-known reductions have to be requested specifically before they will apply. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Bundle and Save – When you have multiple policies with one company you may earn at least 10% off all policies.
  • Student in College – Kids in college who are attending college and do not have a car can be insured at a reduced rate.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break when buying auto insurance for F-150 insurance.
  • Good Student – This discount can get you a discount of up to 25%. The good student discount can last until age 25.
  • Defensive Driver – Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Save over 55 – If you’re over the age of 55, you may qualify for a discount up to 10% for F-150 insurance.

Keep in mind that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, companies don’t profit that way. But any discount will reduce the amount you have to pay.

A partial list of companies that possibly offer these benefits may include but are not limited to:

Double check with every prospective company which discounts you may be entitled to. Discounts might not be offered in your state.

Factors determining your Ford F-150 insurance premium

It’s important that you understand the factors that play a part in calculating the price you pay for car insurance. Understanding what determines base rates enables informed choices that may reward you with big savings.

  • Younger drivers pay higher rates – Mature drivers are more responsible, file fewer claims and receive fewer citations. Young drivers are statistically proven to get distracted easily in a vehicle and because of this, their car insurance rates are much higher.
  • Keep rates low by being claim-free – Auto insurance companies generally give better rates to policyholders who are claim-free. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is designed for larger claims.
  • Sex matters – Statistics show women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Both sexes tend to get into accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations such as DWI and reckless driving.
  • High credit ratings translate to low rates – Your credit history is a huge factor in determining what you pay for car insurance. So if your credit is not that good, you could be paying less to insure your 1991 Ford F-150 by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
  • Your location is important – Living in small towns and rural areas can be a good thing when it comes to car insurance. Drivers who live in large cities have to deal with much more traffic and longer commute times. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Adjust deductibles and save – Deductibles for physical damage represent how much money you are required to spend if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. The more expense you’re willing to pay, the lower your rates will be for F-150 insurance.
  • Do you have a high stress job? – Did you know your car insurance rates can be affected by your occupation? Occupations like lawyers, business owners and dentists tend to have the highest average rates in part from job stress and long work hours. Other occupations like scientists, historians and homemakers receive lower rates for F-150 insurance.
  • Protect yourself with liability coverage – Liability insurance provides coverage if ever a court rules you are at fault for damages from an accident. It provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.

Tailor your coverage to you

When buying coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions may help highlight whether your personal situation may require specific advice.

  • What if I owe more than I can insure my car for?
  • Does my insurance cover a custom paint job?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I get a multi-policy discount?
  • Do I need more liability coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • What is the minimum liability in my state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why am I required to buy high-risk coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Parts of your insurance policy

Understanding the coverages of a insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage

This covers damage to your F-150 caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability coverages

This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as emergency aid, loss of income, structural damage and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverage

This will pay to fix 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 pays for things such as fire damage, damage from a tornado or hurricane and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills like X-ray expenses, surgery and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

And the best car insurance company is…

In this article, we covered a lot of tips how to shop for 1991 Ford F-150 insurance online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest premiums are with an unexpected company.

Drivers switch companies for many reasons like lack of trust in their agent, high prices, poor customer service and unfair underwriting practices. No matter why you want to switch, finding a new company can be easier than you think.

When you buy insurance online, it’s a bad idea to skimp on coverage in order to save money. In many cases, an accident victim reduced physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage for the lowest price while still protecting your assets.

Much more information about auto insurance is available below: