1999 Ford F-150 Insurance Quotes – 8 Policy Discounts

Have you had enough of paying out the nose to buy car insurance? Your situation is no different than the majority of other car owners.

Insurance companies such as Progressive, Geico and Farmers Insurance all claim big savings, bombarding you with advertising and it can be hard to avoid their marketing magic and take the time to shop coverage around.

Auto Insurance Prices Online

Shopping for lower auto insurance rates can be a lot of work if you aren’t aware of the easiest way. You can spend your afternoon driving to agents in your area, or you could use online quoting to get the quickest rates.

Most car insurance companies participate in a marketplace where insurance shoppers complete one form, and at least one company can give them a price for coverage. This prevents consumers from doing form submissions for each company.

To find out how much you’re overpaying now click here to start a free quote.

The only downside to getting quotes like this is buyers cannot specifically choose the insurers you will receive quotes from. If you would rather choose from a list of companies to compare rates, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you use the exact same quote information for every company. If you enter unequal deductibles or liability limits you can’t possibly make a fair comparison for your Ford F-150. Just a small difference in limits could mean much higher rates. And when price shopping your coverage, having more price comparisons gives you a better chance of getting better pricing.

Are auto insurance companies telling the truth?

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads make the same claim that you’ll save big if you switch to them. How does each company make the same claim?

All the different companies have a preferred profile for the type of driver that earns them a profit. An example of a profitable customer might be profiled as between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters gets the lowest rates and most likely will save when switching.

Potential customers who do not match this ideal profile must pay more money and ends up with business going elsewhere. Company advertisements say “customers that switch” not “everyone that quotes” save money. This is how insurance companies can claim big savings.

This illustrates why you should get a wide range of price quotes. You cannot predict which company will give you the biggest savings on Ford F-150 insurance.

How to reduce Ford F-150 insurance rates

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically at the time of quoting, but some must be specifically requested before you will receive the discount.

  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a discount up to 10% on F-150 coverage.
  • Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on F-150 coverage than drivers with accident claims.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount on F-150 coverage with select insurance companies.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.

Keep in mind that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will bring down your overall premium however.

For a list of providers with discount insurance rates, click here to view.

Tailor your coverage to you

When it comes to buying the best insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you might need professional guidance.

  • Do I have coverage when pulling a U-Haul trailer?
  • Can I still get insurance after a DUI?
  • Am I missing any policy discounts?
  • Do I need PIP coverage since I have good health insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I afford to pay high deductible claims out of pocket?
  • Is business property covered if stolen from my car?
  • I don’t drive much so do I pay less?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Educate yourself about auto insurance coverages

Learning about specific coverages of auto insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-150.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for expenses like chiropractic care, prosthetic devices, doctor visits and funeral costs. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive auto insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision coverage pays for damage to your F-150 resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, driving through your garage door, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Auto liability – Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical expenses, pain and suffering, funeral expenses, loss of income and bail bonds. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

The best insurance company isn’t always the cheapest

Discount 1999 Ford F-150 insurance can be purchased online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

You just learned quite a bit of information on how to lower your insurance rates. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the most savings is with a small mutual company. Some small companies may have significantly lower rates on certain market segments than their larger competitors like State Farm and Allstate.

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. There are many occasions where an accident victim reduced liability limits or collision coverage only to find out they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

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