1993 Ford F-150 Car Insurance Quotes

Nobody I know cherishes buying insurance, in particular when the price is too high.

Big-name insurance companies like Allstate and Progressive all claim big savings with fancy advertisements and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.

Smart consumers take time to take a look at other company’s rates yearly because insurance rates are rarely the same from one policy term to another. Even if you got the lowest price for F-150 coverage on your last policy you can probably find a lower rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the only way to find the best coverage while lowering your premiums.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Buying car insurance is quite easy. But drivers do need to understand how big insurance companies compete online and use this information to your advantage.

Pieces of the Ford F-150 insurance rate puzzle

An important part of buying insurance is that you know the rating factors that come into play when calculating your auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that could result in better auto insurance rates.

  • Bad driving skills means higher rates – Drivers with clean records have lower premiums than people who have multiple driving citations. Just one moving violation may increase your cost by as much as thirty percent. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Higher deductibles cost less – Physical damage deductibles represent how much money you are required to spend before your auto insurance pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered would be colliding with a building, damage caused by hail, or theft. The more money the insured has to pay upfront, the less your auto insurance will be for F-150 coverage.
  • Having a spouse can save you money – Getting married can actually save you money on your policy. Having a spouse is viewed as being more mature and statistics show married drivers get in fewer accidents.
  • Where you live is a factor – Residing in less populated areas can be a good thing when it comes to auto insurance. City drivers have to deal with much more traffic and longer commute times. Lower population means a lower chance of having an accident and a lower car theft rate.

Insurance Comparison Rates

Performing a rate comparison can be exhausting if you don’t know the most efficient way to do it. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could use online quoting to maximize your effort.

All the larger companies belong to a marketplace that allows shoppers to enter their policy data once, and every company then returns a price quote for coverage. This system prevents you from having to do quote forms for each company.

To find out how much you can save on insurance click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify the companies to receive prices from. If you would rather choose specific providers to compare, we have assembled a list of companies who write insurance in your area. Click to view list.

It’s up to you how you get prices quotes, just ensure you’re using the exact same coverage information for every quote you compare. If you have different deductibles it will be impossible to determine the best price for your Ford F-150. Just a small difference in limits may cause a big price difference. It’s important to know that more quotes will increase your chances of finding a lower rate.

Slick advertising tricks that work

Auto insurance companies such as Allstate, Geico and Progressive consistently run ads on television and other media. They all seem to make an identical promise of big savings if you change your coverage to them. How does each company say the same thing?

All companies have a certain “appetite” for the driver that makes them money. For instance, a preferred risk might be profiled as a mature driver, has no tickets, and has a high credit rating. A customer who meets those qualifications gets the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t meet this ideal profile must pay higher premiums which leads to business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that much. That’s why insurance companies can claim big savings. This illustrates why drivers must get quotes from several different companies. You cannot predict which insurance companies will have the lowest Ford F-150 insurance rates.

Save money by taking advantage of these discounts

Companies do not advertise all their discounts very clearly, so we researched both the well known and the harder-to-find savings tricks you should be using.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • One Accident Forgiven – Certain companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Senior Citizens – Older drivers may receive reduced rates for F-150 coverage.
  • Multiple Policy Discount – If you have multiple policies with the same company you will save 10% to 20% off each policy.
  • Homeowners Discount – Being a homeowner may trigger a insurance policy discount because maintaining a house shows financial diligence.
  • Drive Safe and Save – Safe drivers may save up to 50% more for F-150 coverage than drivers with accident claims.
  • Early Signing – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Low Mileage – Fewer annual miles on your Ford can qualify you for discounted rates on garaged vehicles.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

Keep in mind that most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, you’re out of luck.

Companies that possibly offer these benefits include:

Check with every prospective company what discounts are available to you. Discounts might not apply in every state.

When should I use an insurance agent?

When buying coverage, there really is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if you might need professional guidance.

  • Can I still get insurance after a DUI?
  • Do all my vehicles need collision coverage?
  • What are the best liability limits?
  • Do I need more liability coverage?
  • Does car insurance cover theft of personal property?
  • What is the difference between comprehensive and collision coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your auto insurance policy

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average auto insurance policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses for pain medications, dental work, funeral costs, prosthetic devices and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, a tree branch falling on your vehicle and hitting a deer. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

Liability insurance can cover damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means $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 can pay for claims like loss of income, pain and suffering, legal defense fees and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your F-150 caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Quote more. Save more.

We just covered many ideas to compare 1993 Ford F-150 insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the most savings is with a lesser-known regional company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, Geico and Progressive.

Cheap insurance is attainable both online and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

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