Trying to find better insurance coverage rates for your Ford F-150? Overpriced Ford F-150 insurance can drain your savings account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to make sure you’re not throwing money away. Drivers have so many insurance companies to choose from, and though it is a good thing to have a choice, it makes it harder to find the lowest rates.
There are several ways to compare Ford F-150 insurance prices and some are easier and takes less work. You could waste a few hours talking about coverages with insurance companies in your area, or you can utilize the web to get rates in a matter of minutes.
Most car insurance companies enroll in a system where prospective buyers only type in their quote data once, and each company provides a quote based on that information. This system prevents you from having to do quote forms for each company. To fill out one form to compare multiple rates now click here (opens in new window).
The single downside to using this type of form is that you can’t choose which carriers to get pricing from. So if you prefer to pick individual companies to compare rates, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.
It’s your choice how you get your quotes, but make sure you use the exact same coverage limits and deductibles for each price quote. If your comparisons have higher or lower deductibles it’s not possible to truly determine the lowest rate.
When buying the best insurance coverage coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Knowing the specifics of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.
Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle, hail damage and fire damage. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like nursing services, doctor visits, prosthetic devices and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Collision coverages – This coverage will pay to fix damage to your F-150 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like damaging your car on a curb, crashing into a ditch, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.
UM/UIM Coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Ford F-150.
Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are similar to your liability insurance amounts.
Liability coverages – This coverage can cover damage that occurs to other people or property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for things like pain and suffering, repair costs for stationary objects, medical services and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.