2008 Ford F-150 Insurance Quotes

Want lower auto insurance rates? Drivers have a choice when trying to find affordable Ford F-150 insurance. You can either spend your time calling around to get rate comparisons or use the internet to find the lowest rates.

There are both good and bad ways to shop for auto insurance and you need to know the proper way to compare rates for your Ford and find the lowest possible price either online or from local insurance agents.

It’s a good habit to take a look at other company’s rates periodically since insurance rates are variable and change quite frequently. Even if you think you had the best price on F-150 coverage last year other companies may now be cheaper. So just forget all the misinformation about auto insurance because it’s time to teach you the easiest way to remove unneeded coverages and save money.

If you are insured now or need new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. The purpose of this article is to help you learn the most effective way to quote insurance and some money-saving tips. Drivers only need an understanding of the most efficient way to get comparison quotes over the internet.

Why your Ford F-150 might be costing you more

An important part of buying insurance is that you know the rating factors that play a part in calculating your car insurance rates. Having a good understanding of what influences your rates enables informed choices that could result in lower car insurance prices.

Shown below are some of the factors car insurance companies consider when setting premiums.

  • How credit affects car insurance rates – Your credit score is a important factor in determining your rates. Drivers with high credit scores tend to file fewer claims and have better driving records than those with poor credit. Therefore, if your credit is low, you could pay less to insure your 2008 Ford F-150 by repairing your credit.
  • Safe vehicles cost less to insure – Vehicles with good safety scores get lower rates. Safe vehicles reduce injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Ford F-150 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Always keep insurance in force – Allowing your car insurance policy to lapse is a fast way to pay more for car insurance. Not only will you pay more, but not being able to provide proof of insurance might get you a steep fine or even jail time.You may have to file a SR-22 with your state motor vehicle department.
  • Your job and insurance rates – Did you know that where you work can have an impact on rates? Jobs such as doctors, executives and stock brokers have the highest rates attributed to high stress and long work hours. On the other hand, professions such as scientists, students and performers get better rates on F-150 coverage.
  • Consolidate policies to earn discounts – The majority of companies give discounts to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare other company rates to ensure the best deal.

How to Get Insurance Comparison Quotes

There are multiple methods to compare 2008 Ford F-150 insurance prices but there is one way that is less time-consuming than others. You can waste hours driving to insurance companies in your area, or you could save time and use online quotes to get the quickest rates.

Most car insurance companies take part in a program where prospective buyers submit their information once, and each participating company can provide price quotes determined by their information. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to getting quotes like this is you are unable to specify which providers to receive prices from. So if you want to choose individual companies for rate comparison, we have assembled a list of insurance companies in your area. Click here to view list.

However you get your quotes, make absolute certain that you use exactly the same quote information for every quote you compare. If you use unequal deductibles or liability limits you will not be able to determine the best price for your Ford F-150.

Pay less by taking advantage of discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available to help offset the cost. Most are applied at the time of purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Passive Restraints – Cars that have air bags or automatic seat belts can get savings up to 30%.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Drive Less and Save – Fewer annual miles on your Ford can qualify you for lower rates on the low mileage vehicles.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Accident Forgiveness – Certain companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.

A little note about advertised discounts, most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like all those discounts means the company will pay you, you won’t be that lucky. But any discount will bring down your premiums.

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

Before buying, ask each company which discounts you may be entitled to. Savings might not be offered in your area.

Your coverage should be tailored to you

When choosing coverage, there really is not a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

  • Which companies will insure high-risk drivers?
  • Do I need rental car coverage?
  • Does coverage extend to my business vehicle?
  • Am I covered when delivering products for my home-based business?
  • Does coverage extend to a rental car in a foreign country?
  • Is my trailer covered?
  • Does my car insurance cover rental cars?
  • What are the best liability limits?
  • How do I file an SR-22 for a DUI in my state?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Insurance coverages and their meanings

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, rock chips in glass, damage from a tornado or hurricane and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like dental work, rehabilitation expenses, prosthetic devices, surgery and ambulance fees. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as pain and suffering, attorney fees, legal defense fees, court costs and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford F-150.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision insurance covers damage to your F-150 caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Have money to burn

We just presented a lot of techniques to compare 2008 Ford F-150 insurance prices online. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. You may even discover the most savings is with the smaller companies.

Consumers leave their current company for many reasons like delays in paying claims, an unsatisfactory settlement offer, extreme rates for teen drivers or even not issuing a premium refund. Regardless of your reason for switching companies, switching insurance companies is easier than you think.

As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability limits or collision coverage and learned later that they should have had better coverage. Your aim should be to buy enough coverage at an affordable rate, not the least amount of coverage.

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