1997 Ford F-150 Insurance Quotes – 10 Tips for Cheaper Rates

Trying to find the cheapest car insurance rates for your Ford F-150? Price shopping your car insurance is always nearly impossible for consumers not familiar with comparing rates online. Drivers have so many companies to choose from that it can be a ton of work to find the best price.

Cheap Auto Insurance Comparisons

There are a variety of methods you can shop for 1997 Ford F-150 auto insurance but some are less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could use the internet to get the quickest rates.

Many of the larger companies belong to an insurance system where insurance shoppers enter their policy data once, and each participating company can provide price quotes. This system prevents you from having to do form submissions for each company you want a rate for.

To participate in this free quote system, click here to start a free quote.

The single downside to getting quotes like this is you cannot specify the providers to receive prices from. If you wish to select specific insurance companies to compare, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples coverages and limits with every price quote. If you enter different deductibles it’s not possible to truly determine the lowest rate. Quoting even small variations in limits may result in large price differences. Keep in mind that comparing more company’s prices provides better odds of finding lower pricing.

How do I know if I need professional advice?

When choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.

Can I rent a car in Mexico?
When would I need additional glass coverage?
Do I need medical payments coverage since I have good health insurance?
Does my insurance cover my expensive audio equipment?
I have health insurance so do I need medical payments coverage?
Do I have coverage if my license is suspended?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Specifics of your insurance policy

Learning about specific coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Auto liability

Liability insurance protects you from damage that occurs to a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for 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. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like legal defense fees, structural damage, emergency aid and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, damage from getting keyed, hail damage and rock chips in glass. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

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 the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, crashing into a ditch, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for rehabilitation expenses, X-ray expenses, pain medications and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage