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Ford F-150 Insurance Rates

You have lots of choices when attempting to insure your Ford vehicle. You can either contact an insurance agent or get quotes online to compare rates from insurance providers. Buying car insurance by comparing rates online saves time, is easy to do and at the same time you may find lower rates.

Shopping online for car insurance is challenging if you are a beginner to online rate quotes. But relax because we're going to show you how. The are a couple different ways to compare quotes from local car insurance companies. The fastest way to compare Ford F-150 insurance quotes is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors determine the rate you pay?

Insurance premiums paid to insure a Ford F-150 will vary greatly and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Your accident history
  • Multiple policies can save money
  • How you use your vehicle
  • Special coverage such as replacement cost
  • Your job
  • Your coverage level
  • Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new Ford models so the costs to repair may end up costing you less. On the flip side, newer models have more advanced features like a backup camera, dual-stage airbags, and an advanced theft deterrent system so those may lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your F-150 from available model years below.

Auto liability insurance

This protects you from damages or injuries you inflict on a person or their property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.

Auto collision coverage

Collision insurance pays for damage to your Ford from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper Ford F-150 insurance rates.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. PIP coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are Ford F-150 Insurance Rates?