1997 Ford F-150 Insurance Quotes – 9 Tricks for Best Rates

Want better insurance coverage rates? Drivers have lots of choices when trying to find the lowest priced Ford F-150 insurance. They can either waste time struggling with agents trying to get quotes or save time using the internet to find the lowest rates.

There is a better way to compare insurance coverage rates and you need to know the best way to get price quotes for your Ford and locate the best price possible from local insurance agents and online providers.

You should make it a habit to shop coverage around yearly since insurance rates change quite often. If you had the best rates for F-150 coverage last year there is a good chance you can find better rates now. There is a lot of bad advice regarding insurance coverage online but by reading this article, you’re going to learn some guaranteed methods to quit paying high insurance coverage rates.

This article will let you in on how to get online quotes and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Drivers only need an understanding of the best way to get comparison rates over the internet.

How to Lower Your Car Insurance Cost

Most major insurance companies like Allstate and Progressive allow you to get coverage prices on their websites. Obtaining pricing is quite easy as you just enter the coverage amounts you desire as requested by the quote form. Upon sending the form, their system makes automated requests for information on your driving record and credit history and returns pricing information.

Quoting online simplifies rate comparisons, but having to visit different websites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible in order to find the best price possible.

The preferred way to compare rates uses one form that gets price quotes from many companies. The form is fast, requires less work, and makes online quotes a little more enjoyable. Immediately after you send the form, it is rated and you can choose any or none of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. It can be completed in less than 10 minutes and can result in significant savings.

To quickly get comparison pricing now, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended you enter the coverages exactly as shown on your declarations page. This way, you will get rate quotes for similar insurance coverage.

Save on Ford F-150 insurance

The price of auto insurance can be rather high, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied when you purchase, but some must be inquired about before you will receive the discount. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Student in College – Children who live away from home and don’t have a car may qualify for this discount.
  • Early Signing – Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Paperwork-free – A few companies may give you up to $50 for buying your policy over the internet.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same car insurance policy could earn a price break for each car.
  • Safety Course Discount – Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Safe Drivers – Safe drivers can pay as much as 50% less for F-150 coverage than drivers with accidents.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will help reduce the cost of coverage.

For a list of insurance companies with the best car insurance discounts, click this link.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Do I need PIP coverage since I have good health insurance?
  • Can my babysitter drive my car?
  • Is my camper covered by my car insurance policy?
  • Are my friends covered when driving my 1997 Ford F-150?
  • Why am I required to get a high-risk car insurance policy?
  • Can I still get insurance after a DUI?
  • How high should my medical payments coverage be?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Coverage specifics

Having a good grasp of insurance can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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 values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical expenses, repair costs for stationary objects and pain and suffering. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Ford F-150.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, 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.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for rehabilitation expenses, pain medications, funeral costs, hospital visits and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays for 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 insurance covers claims like damage from getting keyed, vandalism, hail damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

More comparisons equals lower rates

When shopping online for car insurance, you should never sacrifice coverage to reduce premiums. In many cases, drivers have reduced liability coverage limits to discover at claim time that the small savings ended up costing them much more. The aim is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

People who switch companies do it for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, poor customer service and even policy cancellation. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.

Discount 1997 Ford F-150 insurance is definitely available both online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Additional car insurance information can be found at the links below