1998 Ford F-150 Insurance Quotes

Want better insurance coverage rates for your Ford F-150? Trying to find better insurance prices for a Ford F-150 can normally be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy.

There are more efficient ways to shop for insurance coverage and you need to know the best way to get price quotes for your Ford and obtain the best price possible from both online companies and local agents.

Smart consumers take time to take a look at other company’s rates at least once a year since rates trend upward over time. Just because you found the lowest price on F-150 insurance a few years ago there is a good chance you can find better rates now. So forget all the misinformation about insurance coverage because you’re going to learn one of the best ways to save money, get proper coverage and the best rates.

Buying cheaper car insurance is quite easy. If you have a policy now or are just looking to switch companies, you can use this information to reduce the price you pay while maximizing coverage. Vehicle owners just need to learn the tricks to compare company rates over the internet.

You probably qualify for some discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but a few must be requested specifically before you will receive the discount. If you don’t get every credit you deserve, you’re paying more than you need to.

  • No Accidents – Claim-free drivers pay much less when compared to frequent claim filers.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on F-150 insurance with certain companies.
  • Senior Citizens – Mature drivers may receive a small decrease in premiums on F-150 insurance.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Life Insurance – Some companies give a discount if you purchase life insurance from them.

It’s important to understand that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will bring down the cost of coverage.

Insurance companies who might offer some of the above discounts include:

Before buying, ask every prospective company what discounts are available to you. Some discounts might not apply in your area.

Factors that might impact rates for a Ford F-150

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

  • High crash test scores lower rates – Safer cars tend to have better insurance rates. Safer cars have better occupant injury protection and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If the Ford F-150 is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Your age impacts your rates – Youthful drivers have a tendency to get distracted easily when driving so they pay higher car insurance rates. Adding a youthful driver to your policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Clean credit earns discounts – A driver’s credit score is a huge factor in your rate calculation. People with high credit ratings tend to be more responsible than drivers with lower credit ratings. Therefore, if your credit score is low, you could be paying less to insure your 1998 Ford F-150 by repairing your credit.
  • Your location is important – Residing in less populated areas has it’s advantages when insuring your vehicles. Less people living in that area means a lower chance of having an accident. City drivers regularly have congested traffic and much longer commute distances. Higher commute times translates into higher accident risk.
  • Equipment add-ons that lower car insurance rates – Owning a car that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.

There’s no such thing as the perfect policy

When choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions can help discover if your situation may require specific advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my friends covered when driving my car?
  • Why am I required to buy liability insurance?
  • Does my car insurance cover rental cars?
  • How do I buy GAP insurance?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Car insurance coverages and their meanings

Knowing the specifics of car insurance can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, damage from getting keyed, hitting a deer, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your F-150 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for hospital visits, dental work, ambulance fees and chiropractic care. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability insurance

This coverage provides protection from damage that occurs to people or other property that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like medical expenses, repair bills for other people’s vehicles, structural damage and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1998 Ford F-150.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

One last thing

Affordable 1998 Ford F-150 insurance can be sourced on the web in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

We just presented a lot of tips how to shop for insurance online. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with a smaller regional carrier.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. There have been many situations where someone sacrificed collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

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