View 2012 Ford F-150 Insurance Rates

Trying to find the cheapest auto insurance rates for your Ford F-150? Are you tired of paying out the nose to buy car insurance? Your situation is no different than most other car owners.

With so many insurance companies to choose from, it’s difficult to choose the cheapest car insurance company.

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Comparing car insurance rates can be challenging if you aren’t aware of the fastest way to get free quotes. You can spend countless hours driving to local insurance agents in your area, or you could save time and use the web to maximize your effort.

Most car insurance companies take part in a program where insurance shoppers send in one quote, and each participating company can provide price quotes based on the submitted data. This prevents consumers from doing form submissions for each company you want a rate for.

To access this free quoting program, click here to start a free quote.

One minor caviat to pricing coverage this way is that you can’t choose the insurers to receive prices from. So if you prefer to pick specific providers to receive pricing from, we have a page of the cheapest car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but be sure to compare the exact same coverage limits and deductibles for each comparison quote. If you compare mixed coverages it’s not possible to determine the best price for your Ford F-150. Just a small difference in coverages can make a big difference in price. And when quoting car insurance, remember that comparing a large number of companies will enable you to find the best offered rates.

Cut your auto insurance rates with discounts

Auto insurance companies do not advertise every available discount very clearly, so we took the time to find some of the more common and the harder-to-find auto insurance savings.

  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for F-150 coverage than less cautious drivers.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current policy expires. It can save you around 10%.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Sign Online – Some insurance companies may give you up to $50 simply for signing online.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

A partial list of companies that may have these benefits are:

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts might not apply everywhere.

You are unique and your car insurance should be too

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Can I afford low physical damage deductibles?
  • Should I waive the damage coverage when renting a car?
  • How can I force my company to pay a claim?
  • Why do I need rental car insurance?
  • When would I need additional glass coverage?
  • What is roadside assistance coverage?
  • Is my Ford F-150 covered if I use it for business?
  • When should I drop full coverage on my 2012 Ford F-150?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Detailed coverages of your car insurance policy

Understanding the coverages of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on the average car insurance policy.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, damage from flooding and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Ford F-150.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

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 insurance covers things like backing into a parked car, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for pain medications, hospital visits, prosthetic devices, surgery and ambulance fees. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage can cover damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others, 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 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like bail bonds, pain and suffering, medical expenses and structural damage. How much coverage you buy is up to you, but consider buying higher limits if possible.

And the best car insurance company is…

As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. In many instances, someone sacrificed liability coverage limits and discovered at claim time that it was a big mistake. Your aim should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Budget-conscious 2012 Ford F-150 insurance is definitely available both online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

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