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Ford F-150 Insurance Rates

You have lots of choices when buying insurance for your Ford vehicle. You can buy from an agent or get quotes online to compare pricing from many different companies. Comparing auto insurance from online companies saves time, is easy to do and at the same time you can save money.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quoting. But don't let that discourage you because it's actually quite easy. Finding lower Ford F-150 insurance cost is actually quite simple. You just have to spend a little time getting comparison quotes online from several insurance companies. This can be done by visiting this page.

What factors determine Ford F-150 insurance quotes?

Car insurance premiums for a Ford F-150 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Use of your vehicle
  • Special coverage such as replacement cost
  • Your claim history
  • Having continuous coverage saves you money
  • Whether you rent or own your home

An additional factor that can impact Ford F-150 insurance rates is the year of the vehicle. A newer vehicle have a higher value than older models so the costs to repair may result in higher rates. Although newer models may have safety features included like lane departure warning system, dual-stage airbags, and pedestrian detection which may provide discounts that lower premiums.

To get a better understanding how much rates will be for your vehicle, select the year of your F-150 from available model years below.

Liability coverage - This protects you from damages or injuries you inflict on other people or property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage - This coverage pays for damage to your Ford caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. Ford F-150 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper Ford F-150 insurance rates.

Comprehensive coverage - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection from other motorists when they do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. PIP coverage is not available in all states but can be used in place of medical payments coverage.

How Much are Ford F-150 Insurance Rates?