2009 Ford F-150 Insurance Rates

Drivers have lots of choices when trying to find the lowest priced Ford F-150 insurance. They can either waste time contacting agents to compare prices or save time using the internet to make rate comparisons.

There are both good and bad ways to buy car insurance and you need to know the quickest way to price shop coverage for a new or used Ford and locate the best price possible either online or from local insurance agents.

It’s a good habit to check car insurance prices on a regular basis because rates tend to go up over time. Despite the fact that you may have had the best rates on F-150 insurance on your last policy there is a good chance you can find better rates now. So just ignore everything you know about car insurance because you’re about to learn the things you must know in order to save money, get proper coverage and the best rates.

If you have a policy now or are just looking to switch companies, you can learn to shop for the lowest rates while maximizing coverage. This information will tell you how to get online quotes and some tips to save money. Drivers just need to learn how to get comparison rates on the web.

Vehicle Insurance Comparison

Finding cheaper 2009 Ford F-150 car insurance prices is not rocket science. The only requirement is to take the time comparing rates from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing separate quotes for each company you want a rate for. Taking the time to complete one form will return quotes from car insurance companies with the best prices. Just one form and you’re done.
  2. A more difficult way to find lower rates requires a visit to each company website to complete a price quote. For sake of this example, we’ll assume you want comparison quotes from Liberty Mutual, Geico and Progressive. To find out each rate you need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever way you use, double check that you are using apples-to-apples coverage information for every company. If the quotes have different deductibles it will be impossible to decipher which rate is best.

Pay less for Ford F-150 insurance

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Most are applied at quote time, but some may not be applied and must be specially asked for before you will receive the discount. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Auto/Home Discount – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Clubs and Organizations – Participating in a civic or occupational organization is a good way to get lower rates when shopping for auto insurance on F-150 insurance.
  • Safety Course Discount – Taking part in a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Homeowners Discount – Owning a house may earn you a small savings because owning a home requires personal responsibility.
  • Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiration. This can save 10% or more.

It’s important to note that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous. Any amount of discount will help reduce your overall premium however.

Companies that may have some of the above discounts are:

Check with every prospective company how you can save money. Savings might not be offered everywhere.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Every situation is different.

For instance, these questions may help highlight if you will benefit from professional help.

  • How high should my medical payments coverage be?
  • Am I covered when driving in Canada or Mexico?
  • What happens if I owe more than my 2009 Ford F-150 is worth?
  • Do I need motorclub coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Exactly who is provided coverage by my policy?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Why your Ford F-150 insurance rates may be high

Smart consumers have a good feel for the rating factors that come into play when calculating your insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with big savings.

The list below includes some of the items companies use to determine rates.

  • Add-on coverages can add up – There are quite a few extra coverages that can waste your money when buying insurance. Coverages like vanishing deductibles, accident forgiveness and motor club memberships may be wasting your money. They may seem like a good idea at first, but if you don’t need them get rid of them and save.
  • Special features that cut premiums – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
  • Low deductibles can be expensive – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Ford from damage. A few examples of covered claims would be collision with another vehicle, collision with an animal, and burglary. Physical damage deductibles are the amount of money you are required to spend in the event of a claim. The more money you have to pay, the less your company will charge you for insurance on F-150 insurance.
  • Multi-policy discounts can save money – Most insurance companies provide better rates to insureds who consolidate policies with them in the form of a multi-policy discount. Even with this discount, you may still want to shop around to ensure the best deal. You may still be able to find a better deal by splitting coverages up.
  • Pleasure use or commuting – Driving more miles every year the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates compared to those used for work or business. If your policy improperly rates your F-150 may be wasting your money. Verify your insurance coverage shows the proper vehicle usage.
  • Traffic citations inflate rates – Even a single ticket may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 with their state DMV in order to prevent a license revocation.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability insurance

Liability insurance can cover damage that occurs to other people or property by causing an accident. It 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 commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like legal defense fees, repair costs for stationary objects, emergency aid, court costs and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverage

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, rock chips in glass and hail damage. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for X-ray expenses, hospital visits and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto collision coverage

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

Collision coverage protects against claims like colliding with another moving vehicle, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Stretch your dollar

Insureds leave their current company for any number of reasons including being labeled a high risk driver, policy cancellation, high prices and denial of a claim. Regardless of your reason, finding a new company is less work than it seems.

Budget-conscious 2009 Ford F-150 insurance is possible both online as well as from independent agents, so you should compare both to have the best rate selection. Some companies don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, an insured dropped collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.

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