Compare 2006 Ford F-150 Insurance Rates

Looking for cheaper auto insurance rates for your Ford F-150? Consumers who are new to shopping for insurance online will discover shopping for the lowest-priced auto insurance very challenging.

Choosing the best insurance company for you is not rocket science. Basically, every driver who is required by state law to have auto insurance stands a good chance to be able to save money. Nevertheless, drivers do need to understand how the larger insurance companies market on the web.

Free Quotes for Insurance Coverage

Most major insurance companies quote prices for coverage directly from their websites. This process is fairly straightforward as you just type in your required coverages as requested by the quote form. After you submit the form the company’s rating system orders your driving record and credit report and generates a price based on these and other factors.

This simplifies rate comparisons, but the time required to go to several different sites and enter the same data into a form is repetitive and time-consuming. But it is imperative to perform this step if you want to find the lowest price.

The easy way to compare rates

A more efficient way to lower your insurance coverage bill uses one form to return rates from several companies at one time. The form is fast, requires much less work on your part, and makes comparison shopping much more enjoyable and efficient. After sending your information, your coverage is rated with multiple companies and you can pick any one of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

To use this form to compare rates, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you replicate your coverages exactly as shown on your declarations page. This ensures you will be getting a fair comparison for exact coverage.

Buyer beware of insurance coverage advertising tricks

Insurance coverage companies such as State Farm and Allstate continually stream ads in print and on television. They all seem to say the same thing that you’ll save big after switching to them. But how can every company make almost identical claims?

Insurance companies have a certain “appetite” for the right customer that makes them money. For instance, a driver they prefer could possibly be between 30 and 50, insures multiple vehicles, and chooses high deductibles. A propective insured who matches those parameters will get very good rates and as a result will probably save when they switch companies.

Drivers who don’t qualify for the “perfect” profile must pay higher rates and ends up with the customer not buying. The ads say “people who switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently claim big savings. This illustrates why you absolutely need to get as many comparisons as possible. You cannot predict which insurance companies will fit your personal profile best.

Elements that influence Ford F-150 insurance rates

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for insurance. Understanding what determines base rates enables informed choices that could result in big savings.

  • Protect your assets with liability insurance – Your policy’s liability coverage provides coverage in the event that a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • Women pay lower rates – Statistics have proven women are more cautious behind the wheel. However, this does not mean men are worse drivers. Men and women cause accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
  • Pay less after the wedding – Being married can get you a discount when buying insurance. Marriage usually means you are more responsible and it’s proven that married drivers get in fewer accidents.
  • More miles equals more premium – The higher the mileage driven in a year’s time the higher your rate. The majority of insurers rate vehicles based on their usage. Cars and trucks used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your insurance declarations sheet shows the correct usage for each vehicle, because it can save money. If your policy improperly rates your F-150 may be costing you.
  • Do you need the policy add-ons? – There are quite a few additional coverages you can purchase on your F-150 policy. Coverages for personal injury protection, better glass coverage and motor club memberships are some examples. They may seem like a good idea at first, but if you don’t need them eliminate them to save money.
  • One company can mean more discounts – Most insurers will give a discount to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even with this discount, it’s still a good idea to compare rates to verify if the discount is saving money. You may still be able to find better rates by splitting coverages up.
  • What are your deductibles? – The deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be colliding with a building, vandalism, and burglary. The higher the amount you have to pay, the less your company will charge you for insurance on F-150 coverage.

Don’t miss out on these money-saving discounts

Car insurance companies don’t necessarily list every available discount very well, so we break down some of the more common as well as the least known discounts you could be receiving.

  • Paperless Signup – A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Driver Safety – Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Homeowners Discount – Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more on F-150 coverage than drivers with accidents.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, you’re out of luck.

Companies that possibly offer some of the above discounts are:

Check with all companies you are considering what discounts are available to you. All car insurance discounts might not apply in your area.

Do I need special coverages?

When buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • Do I benefit by insuring my home with the same company?
  • Can I make deliveries for my home business?
  • What is the rate difference between pleasure use and commuting?
  • When should I remove comp and collision on my 2006 Ford F-150?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance policy coverages for a 2006 Ford F-150

Having a good grasp of a car insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Auto liability

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims such as funeral expenses, structural damage, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Ford F-150.

Due to the fact that many drivers only carry the minimum required liability 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.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, damage from getting keyed and hitting a bird. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

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

Collision insurance covers claims such as backing into a parked car, scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills such as EMT expenses, prosthetic devices, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Make a quick buck

When shopping online for auto insurance, it’s very important that you do not buy poor coverage just to save money. In many instances, an accident victim reduced full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at the best price, not the least amount of coverage.

You just learned many tips how you can get a better price on 2006 Ford F-150 insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest rates come from the least-expected company.

Discount insurance is possible from both online companies and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

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