How Much Does 1994 Ford F-150 Car Insurance Cost?

Want the cheapest auto insurance rates for your Ford F-150? Are you sick and tired of scraping the payment together to insure your Ford every month? You’re in the same situation as many other consumers. There is such a variety of insurance companies to pick from, and although it’s a good thing to have multiple companies, having more insurers makes it harder to compare company pricing.

It’s important to do rate comparisons every six months since insurance rates trend upward over time. Despite the fact that you may have had the lowest price on F-150 insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the fastest and easiest way to find great coverage at a great price.

Locating the lowest cost protection is not that difficult. If you are insured now or are looking for a new policy, you can follow these tips to find the best rates while maximizing coverage. Drivers just need to learn the most effective way to buy car insurance on the web.

Car Insurance Prices

Most major insurance companies allow you to get coverage prices directly from their websites. Getting online rates doesn’t take a lot of time as you simply enter the amount of coverage you want into the quote form. Upon sending the form, their rating system sends out for reports for credit and driving violations and generates a price based on these factors. Online quotes makes comparing rates easy, but the time required to go to multiple sites and type in the same information is repetitive and time-consuming. But it’s very important to get many rate quotes if you want to find better prices.

The better way to compare rates

A less time-consuming method to get multiple rate quotes uses one form that analyzes rates from many companies. The form is fast, reduces the work, and makes quoting online a lot less work. After sending the form, it gets priced and you can choose any or none of the quotes returned.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It only takes a few minutes and can result in significant savings.

If you want to compare rates using this form now, simply click here to open in new window and submit the form. If you have a policy now, it’s recommended you enter the limits and deductibles as close as possible to your current policy. This helps ensure you will have comparison quotes for similar coverage.

Discounts mean cheaper 1994 Ford F-150 insurance rates

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically at the time of quoting, but less common discounts must be requested specifically before being credited. If you don’t get every credit available, you are throwing money away.

  • Bundle and Save – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Low Mileage – Keeping the miles down on your Ford can qualify you for discounted rates on garaged vehicles.
  • Sign Online – Certain companies may give you up to $50 simply for signing digitally online.

Consumers should know that some of the credits will not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous. But any discount will cut your premiums.

A partial list of companies that possibly offer some of the above discounts are:

Before buying, ask each company how you can save money. Savings might not be offered in your area.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight if your situation might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • Do I need roadside assistance coverage?
  • Can my babysitter drive my car?
  • Do I pay less if my vehicle is kept in my garage?
  • What can I do if my company won’t pay a claim?
  • Are my friends covered when driving my car?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Ford F-150 insurance rates have many determining factors

It’s important that you understand the factors that play a part in calculating car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get big savings.

  • Liability coverage is peace of mind – Liability coverage will protect you if a court rules you are at fault for damages from an accident. It will provide you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Men fork out a little more – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. They both tend to get into accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets such as DWI and reckless driving.
  • Older drivers pay less – Older drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers. Young drivers are known to be less responsible behind the wheel therefore car insurance rates are much higher.
  • Higher deductibles cost less – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Ford. A few examples of covered claims are colliding with a building, damage caused by hail, or theft. The deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The higher the amount you have to pay, the lower your rates will be on F-150 insurance.
  • High numbers of claims are not good – If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Companies generally give discounts to policyholders who are claim-free. Car insurance is intended for major claims that would cause financial hardship.
  • Multiple policies with one company can save – Many insurance companies will give a discount to insureds who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even though this discount sounds good, you still need to compare other company rates to verify if the discount is saving money. You may still find a better deal by buying insurance from more than one company.
  • Equipment add-ons that lower car insurance rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Traffic violations increase rates – Your driving record has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance than bad drivers. Even a single speeding ticket can increase rates forty percent or more. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.

Auto insurance 101

Knowing the specifics of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford F-150.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as bail bonds, medical services, attorney fees, loss of income and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, damage from flooding and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses such as hospital visits, dental work, doctor visits and chiropractic care. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Shop smart and save

As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Cheaper 1994 Ford F-150 insurance can be sourced online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

More tips and info about insurance coverage can be read in the articles below: