2004 Ford F-150 Heritage Insurance Quotes – 6 Tips to Save

Looking for the cheapest insurance rates for your Ford F-150 Heritage? Comparison shopping for insurance can seem to be difficult for consumers not familiar with shopping for insurance online. Consumers have so many choices that it can quickly become a big hassle to find lower rates.

Compare Quotes for Insurance

There are a lot of ways you can shop for insurance and some are more efficient than others. You can spend countless hours talking to agents in your area, or you can stay home and use the web to maximize your effort.

All the larger companies participate in a marketplace where prospective buyers enter their policy data once, and at least one company provides a quote. This saves time by eliminating quotation requests to each individual insurance company.

To compare 2004 Ford F-150 Heritage rates now click here (opens in new window).

One minor caviat to comparing rates this way is buyers cannot specifically choose which insurance companies to receive prices from. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of insurance companies in your area. View list of insurance companies.

However you get your quotes, make absolute certain that you use the exact same coverage information with each company. If your comparisons have differing limits it will be next to impossible to make an equal comparison. Just a small difference in insurance coverages can make a big difference in price. It’s important to know that getting more free quotes will enable you to find a lower rate.

Switch companies and save? Really?

Companies like 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the ads make the same claim of big savings if you switch to them. How do they all claim to save you money? This is how they do it.

Insurance companies can use profiling for the right customer that is profitable for them. For example, a driver they prefer could possibly be between 25 and 40, has no driving citations, and has a high credit rating. A customer getting a price quote who matches those parameters will get very good rates and most likely will cut their rates substantially.

Consumers who don’t qualify for the requirements must pay a more expensive rate which leads to business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” save that much. That is how insurance companies can confidently state the savings.

This illustrates why you should get as many comparisons as possible. It is impossible to predict which insurance companies will provide you with the cheapest Ford F-150 Heritage insurance rates.

Lots of discounts mean lots of savings

Car insurance is not cheap, but companies offer discounts to help bring down the price. Some trigger automatically when you quote, but a few need to be specially asked for before you get the savings.

  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
  • Driver Safety – Taking part in a defensive driving course can save you 5% or more depending on where you live.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • 55 and Retired – Mature drivers may receive a small decrease in premiums on F-150 Heritage coverage.
  • Government Employees – Active or retired federal employment can save as much as 8% on F-150 Heritage coverage with certain companies.

It’s important to note that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will cut your premiums.

Companies that possibly offer these discounts may include but are not limited to:

Double check with every prospective company how you can save money. All car insurance discounts might not be offered everywhere.

Situations that might require an agent

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether you will benefit from professional help.

  • How can I get my company to pay me more for my totalled car?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if I crash into my own garage door?
  • Does insurance cover damages from a DUI accident?
  • Should I bundle my homeowners policy with my auto?
  • When should I buy a commercial auto policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when driving a rental car?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverage specifics

Knowing the specifics of insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto liability

Liability insurance protects you from damages or injuries you inflict on people or other property. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as structural damage, court costs and emergency aid. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, crashing into a building, hitting a parking meter, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, vandalism, damage from flooding, rock chips in glass and theft. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses for things like ambulance fees, EMT expenses, surgery and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford F-150 Heritage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Final thoughts

Drivers leave their current company for many reasons like unfair underwriting practices, delays in paying claims, policy non-renewal or even being labeled a high risk driver. No matter why you want to switch, switching insurance companies can be easy and end up saving you some money.

Lower-priced 2004 Ford F-150 Heritage insurance can be sourced both online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced collision coverage and learned later that it was a big error on their part. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

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