Cheap 2004 Ford F-150 Insurance Quotes

Trying to find better car insurance rates for your Ford F-150? Overpriced Ford F-150 insurance can drain your checking account and force you to make sacrifices. Comparison shopping is free and is an excellent way to tighten up your finances. Many insurers compete to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest cost out there.

You need to compare rates on a regular basis since rates are usually higher with each renewal. Even if you got the best rates on F-150 coverage two years ago you can probably find a lower rate today. Starting now, block out anything you think you know about car insurance because you’re going to get a crash course in one of the best ways to find better rates and still maintain coverage.

If you are insured now or need new coverage, you can use these techniques to get lower rates and possibly find even better coverage. Buying car insurance is quite easy. Drivers only need an understanding of the best way to compare rates on the web.

What determines your Ford F-150 insurance premium

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes some of the items that factor into premiums.

  • Policy add-ons can waste money – There are many extra coverages that you can get tricked into buying if you aren’t careful. Coverages for rental car reimbursement, accidental death and motor club memberships are some examples. These coverages may sound good initially, but if you don’t need them eliminate them to save money.
  • Special features that cut premiums – Owning a car with a theft deterrent system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Pleasure use saves money – Driving more miles in a year’s time the higher your rate. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates than those used for commuting. Double check that your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money. If your policy improperly rates your F-150 may be costing you.
  • Never go without insurance – Having an insurance coverage lapse will be a quick way to increase your auto insurance rates. Not only will rates go up, but being ticketed for driving with no insurance might get you a revoked license or a big fine.
  • How’s your driving record? – Even a single moving violation may increase your cost twenty percent or more. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Do you have enough liability coverage? – Liability insurance will protect you in the event that you are found to be at fault for damages caused by your negligence. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.

Don’t miss out on these money-saving discounts

Auto insurance companies do not list every discount in an easy-to-find place, so we researched some of the best known and the harder-to-find ways to save on insurance coverage. If they aren’t giving you every credit available, you are throwing money away.

  • Memberships – Participating in certain professional organizations could trigger savings on your policy on F-150 coverage.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on F-150 coverage depending on your company.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • College Student – Any of your kids living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more on F-150 coverage than less cautious drivers.
  • Paperless Signup – Some insurance companies may give you up to $50 for buying your policy over the internet.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill depending on where you live.
  • One Accident Forgiven – Certain companies allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.

Drivers should understand that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.

For a list of insurance companies who offer insurance coverage discounts, click here.

How can 21st Century, Allstate and State Farm save drivers who switch?

Consumers can’t get away from ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. They all seem to say the same thing that you’ll save big if you switch your policy.

How can each company make almost identical claims? It’s all in the numbers.

All companies can use profiling for the right customer they prefer to insure. A good example of a profitable customer might be profiled as over the age of 40, a clean driving record, and has a short commute. A customer who matches those parameters is entitled to the best price and therefore will save when switching.

Drivers who don’t measure up to the “perfect” profile must pay a more expensive rate and this can result in the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That’s the way companies can truthfully make those claims. This illustrates why you should get quotes from several different companies. Because you never know the company that will provide you with the cheapest Ford F-150 insurance rates.

Do I need special coverages?

When it comes to buying the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions could help you determine whether you might need an agent’s assistance.

  • Am I getting all the discounts available?
  • Should I have combined single limit or split liability limits?
  • Which companies will insure high-risk drivers?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is no-fault insurance?
  • When should I remove comp and collision on my 2004 Ford F-150?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Auto insurance coverages

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, rock chips in glass and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers 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.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for collisions

Collision coverage covers damage to your F-150 resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like driving through your garage door, backing into a parked car, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses for doctor visits, X-ray expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance can cover damage or injury you incur to other’s property or people. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims like pain and suffering, medical expenses, attorney fees and medical services. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

One last thing about your coverage

We just presented many tips how you can get a better price on 2004 Ford F-150 insurance. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the best price on insurance is with some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Cheaper insurance is available from both online companies in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

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