Cheaper 2011 Ford F-150 Insurance Quotes

Finding better insurance prices for a Ford F-150 can turn out to be a lot of work, but you can use these tips to save time. There is a better way to buy insurance coverage and we’ll show you the absolute fastest way to get price quotes for a Ford and obtain the cheapest rates from local insurance agents and online providers.

If you have a policy now or are just looking to switch companies, you can follow these tips to find the best rates while maintaining coverages. Locating cheaper insurance coverage is simple if you know the tricks. Vehicle owners just need to learn the proper methods to find the lowest price online.

More discounts equal less premium

Companies don’t always advertise every available discount very well, so we researched both the well known and also the lesser-known discounts you could be receiving. If you don’t get every credit you deserve, you are throwing money away.

  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for F-150 coverage depending on your company.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
  • Accident Free – Claim-free drivers can earn big discounts when compared to drivers who are more careless.

A little note about advertised discounts, some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, you’re out of luck.

Car insurance companies who might offer these discounts include:

Double check with all companies you are considering which discounts you may be entitled to. Some discounts may not be available in every state.

Ford F-150 rate determination is complex

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for insurance. Understanding what influences your rates allows you to make educated decisions that may reward you with better insurance rates.

  • Do you work long hours in a high stress job? – Occupations like doctors, business owners and stock brokers tend to have the highest rates in part from stressful work requirements and lots of time spent at work. On the other hand, occupations like pilots, students and retirees receive lower rates for F-150 coverage.
  • Low deductibles can be expensive – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Ford. A few examples of covered claims could be colliding with a building, damage from fire, and rolling your vehicle. The deductibles are how much you are required to spend in the event of a claim. The more expense you have to pay, the less your company will charge you for insurance for F-150 coverage.
  • Teen drivers pay high rates – Older drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers. Youthful drivers are statistically proven to be less responsible behind the wheel therefore insurance rates are much higher.
  • Bad driving skills means higher rates – Good drivers get better rates than people who have multiple driving citations. Even one citation can increase rates by as much as thirty percent. If you have severe violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Do you need the policy add-ons? – There are quite a few extra bells and whistles that can waste your money on your F-150 policy. Things like rental car reimbursement, accident forgiveness and additional equipment coverage may be costing you every month. They may seem like a good idea when you first buy your policy, but now you might not need them so remove them from your policy.
  • Liability coverage is cheap – The liability section of your policy provides coverage if ever you are found to be at fault for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Safer cars cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Ford F-150 is rated at least four stars on Safercar.gov you are probably receiving a discount.
  • Do men or women drive better? – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. They both tend to get into accidents in similar percentages, but the males cause more damage. They also get more serious tickets such as reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive insurance rates.

It’s not one size fits all

When it comes to buying adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • When would I need rental car insurance?
  • If my pet gets injured in an accident are they covered?
  • When does my teenage driver need to be added to my policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I getting all the discounts available?
  • Does coverage extend to Mexico or Canada?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of auto insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Auto collision coverage

This coverage pays for damage to your F-150 resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a bird and hail damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses for prosthetic devices, X-ray expenses, rehabilitation expenses, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability insurance

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like repair bills for other people’s vehicles, loss of income, court costs, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

A penny earned…

Budget-conscious 2011 Ford F-150 insurance is definitely available online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Drivers change insurance companies for any number of reasons including high rates after DUI convictions, delays in paying claims, delays in responding to claim requests and even not issuing a premium refund. No matter why you want to switch, switching companies is easier than you think.

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where an insured cut liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

For more information, feel free to visit the resources below: