1994 Ford F-150 Car Insurance Rates – 9 Tips for Best Quotes

Finding the cheapest insurance for a Ford F-150 can normally be an all-consuming task, but you can learn our car insurance buying tips to find lower rates.

There are both good and bad ways to compare car insurance rates and we’ll show you the quickest way to price shop coverage for your Ford and get the lowest possible price either online or from local insurance agents.

Consumers need to get comparison quotes occasionally because rates fluctuate regularly. If you had the best rates on F-150 coverage a couple years back the chances are good that you can find a lower rate today. So just forget all the misinformation about car insurance because we’re going to show you the easiest way to save on car insurance.

Shopping for affordable insurance coverage coverage is quite easy. If you have a current insurance coverage policy or need a new policy, you can use these tips to find the best rates while maintaining coverages. Consumers only need to know the most effective way to get comparison rates online.

Free Car Insurance Quotes

Lowering your 1994 Ford F-150 car insurance rates doesn’t have to be difficult. Drivers just need to take a couple of minutes comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The best way consumers can analyze rates is a comparison rater form click to view form in new window. This form saves time by eliminating separate quote forms for every car insurance company. One form will return price quotes from all major companies. This is perfect if you don’t have a lot of time.
  • A more time consuming way to compare prices consists of visiting the website for each individual company to complete a price quote. For sake of this example, we’ll pretend you want rates from Geico, Liberty Mutual and Progressive. To find out each rate you need to go to every website and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  • The least recommended method of comparing rate quotes is driving to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional advice of a local agent. It is possible to get the lowest quotes online but still have the advice of a local agent.

However you get your quotes, compare the exact same coverage information for every company. If you compare different values for each quote it’s impossible to determine which rate is truly the best.

Do drivers who switch really save $467 a year?

Drivers constantly see and hear ads for the lowest price auto insurance from companies such as Progressive, Allstate and Geico. All the ads make an identical promise of big savings if you move your policy.

How does each company say the same thing? It’s all in the numbers.

Different companies have a certain “appetite” for the right customer that earns them a profit. An example of a driver they prefer could possibly be over the age of 40, insures multiple vehicles, and has a high credit rating. Any driver that hits that “sweet spot” will get very good rates and most likely will save when they switch companies.

Consumers who do not match the requirements must pay higher premiums and this can result in the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save money. That is how insurance companies can make those claims.

This illustrates why you need to get quotes from several different companies. You cannot predict which company will provide you with the cheapest Ford F-150 insurance rates.

Discounts are basically free money

Insurance can be prohibitively expensive, but you may find discounts to help bring down the price. Some trigger automatically at the time you complete a quote, but less common discounts must be asked about before they will apply. If they aren’t giving you every credit possible, you are throwing money away.

  • Accident Waiver – Some insurance companies will forgive one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.
  • Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.
  • No Accidents – Drivers with accident-free driving histories pay much less when compared with drivers who are more careless.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Paperwork-free – Certain companies give back up to $50 just for signing your application on their website.
  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Bundle and Save – When you combine your home and auto insurance with one company you will save at least 10% off all policies.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, insurance companies aren’t that generous. But all discounts will reduce your premiums.

Car insurance companies that may have these money-saving discounts are:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts might not apply in your state.

Which insurance is the “right” coverage?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

For example, these questions might point out if your situation would benefit from professional advice.

  • Is my dog or cat covered if injured in an accident?
  • Why am I required to buy liability insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I buy additional glass protection?
  • How much liability do I need to cover my assets?
  • How much liability insurance is required?
  • Do I need motorclub coverage?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages explained

Learning about specific coverages of your car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, hitting a deer and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This coverage will pay to fix damage to your F-150 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, sustaining damage from a pot hole, hitting a mailbox, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverages

This will cover damages or injuries you inflict on a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical expenses, attorney fees and emergency aid. How much coverage you buy is your choice, but buy as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as EMT expenses, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

At the end of the day…

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced physical damage coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.

We’ve covered some good ideas how to save on 1994 Ford F-150 insurance. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from a small mutual company.

Affordable insurance is possible both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide online price quotes and these smaller companies work with independent agents.

Additional detailed information is available at these sites: