Save on 2000 Ford F-150 Car Insurance Cost

Looking for the cheapest auto insurance rates for your Ford F-150? Tired of not being able to afford to insure your Ford every month? You’re in the same situation as the majority of other car owners.

Big-name insurance companies like GEICO and Progressive persitently shower you with ads and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

Compare Quotes for Insurance Coverage

To find the best insurance coverage prices, there are several ways to compare rate quotes from local insurance coverage companies. The best method to find the cheapest 2000 Ford F-150 insurance rates involves getting comparison quotes online. This can be done in several different ways.

  1. One of the simplest ways to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do multiple quote forms for each company. One simple form compares rates from all major companies.
  2. A more difficult way to compare rate quotes is spending the time to visit the website of each company to request a price quote. For instance, we’ll pretend you want rates from Progressive, GEICO and Liberty Mutual. To get each rate you have to visit each site to enter your coverage information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same information on every quote. If you use differing limits it will be next to impossible to determine which rate is truly the best. Having just a slight variation in limits can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes will increase your chances of finding lower pricing.

Save big with these discounts

Car insurance companies don’t necessarily list every available discount very clearly, so the following is a list of some of the best known and the harder-to-find insurance coverage savings.

  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • One Accident Forgiven – A few companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Auto/Home Discount – When you have multiple policies with one company you will save at least 10% off all policies.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.

Car insurance companies that may have some of the above discounts may include but are not limited to:

Double check with each insurance company what discounts are available to you. All car insurance discounts might not apply in every state.

Elements that influence Ford F-150 insurance rates

Consumers need to have an understanding of the rating factors that go into determining the price you pay for insurance coverage. Understanding what impacts premium levels helps enable you to make changes that may reward you with lower insurance coverage prices.

Listed below are some of the factors that factor into rates.

  • Lower rates come with age – Teen drivers have a tendency to get distracted easily behind the wheel so insurance coverage rates are higher. Adding a youthful driver to your insurance coverage policy can break the bank. Older drivers are more responsible, tend to file fewer claims and get fewer tickets.
  • Are you male or female? – The statistics show that women are safer drivers than men. However, this does not mean women are better drivers. Women and men have accidents in similar numbers, but the men have costlier accidents. Men also statistically receive more costly citations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Marriage brings a discount – Being married actually saves money on insurance coverage. Having a spouse translates into being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Your location affects your rates – Residing in a rural area has it’s advantages when insuring your vehicles. Urban drivers have to deal with congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and a lower car theft rate.

But I don’t know anything about car insurance

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance needs to address that. For example, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • At what point should I drop full coverage?
  • Why do I only qualify for high-risk insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why does it cost so much to insure a teen driver?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need roadside assistance coverage?
  • Does my 2000 Ford F-150 need full coverage?
  • Should I have a commercial auto policy?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Are you falling for claims of savings?

GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. All the companies have a common claim that you’ll save big if you switch to them. How can each company make almost identical claims? It’s all in the numbers.

Insurance companies have a certain “appetite” for the driver that earns them a profit. A good example of a desirable insured could possibly be between 30 and 50, is a homeowner, and has a short commute. Any driver that hits that “sweet spot” will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t measure up to the “perfect” profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save that kind of money. This is how companies can truthfully make those claims. Because of the profiling, drivers should get a wide range of price quotes. It’s just too difficult to predict the company that will fit your personal profile best.

Insurance coverage basics

Having a good grasp of insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses for funeral costs, dental work, prosthetic devices, pain medications and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability coverages

Liability coverage can cover damages or injuries you inflict on people or other property. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy 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 a limit of $50,000 paid for damaged property.

Liability insurance covers things such as loss of income, legal defense fees, medical services and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

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

Collision insurance covers things like hitting a parking meter, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, theft, damage from a tornado or hurricane and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Affordable insurance is out there

In this article, we presented a lot of ways to compare 2000 Ford F-150 insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower rates compared to the large companies like State Farm and Allstate.

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

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