2010 Ford F-150 Insurance Quotes

Trying to find cheaper insurance for a Ford F-150 can normally be an all-consuming task, but you can use our auto insurance buying tips and make it easy.

There is a better way to compare auto insurance rates and you need to know the quickest way to quote coverages for your Ford and obtain the lowest possible price from local insurance agents and online providers.

It’s smart to get comparison quotes occasionally because rates change regularly. Even if you think you had the lowest rates for F-150 coverage two years ago there may be better deals available now. You can find a lot of misleading information regarding auto insurance on the internet, so by reading this article, you’re going to learn some tested techniques to save money.

Policy discounts you shouldn’t miss

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you quote, but some must be asked about before you get the savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Resident Student – Children who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less for F-150 coverage than less cautious drivers.
  • Save over 55 – Older drivers may receive better insurance coverage rates for F-150 coverage.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Memberships – Participating in certain professional organizations could trigger savings on your policy for F-150 coverage.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford can earn a substantially lower rate.
  • Early Signing – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company can get a discount on all vehicles.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will help reduce your premiums.

Companies that possibly offer these benefits are:

It’s a good idea to ask each insurance company what discounts are available to you. All car insurance discounts may not apply in your area.

Insurance agents can help

When it comes to choosing the best insurance coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether or not you could use an agent’s help.

  • What is no-fault insurance?
  • How can I get my company to pay me more for my totalled car?
  • Can I get a multi-policy discount?
  • Why am I required to buy high-risk coverage?
  • Are split liability limits better than a combined single limit?
  • Does my insurance cover a custom paint job?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy coverages for a Ford F-150

Understanding the coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2010 Ford F-150.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like theft, vandalism, damage from getting keyed and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for funeral costs, prosthetic devices, EMT expenses and hospital visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to people or other property in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, court costs, loss of income, emergency aid and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

At the end of the day…

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. In many cases, someone dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Drivers who switch companies do it for a number of reasons such as unfair underwriting practices, lack of trust in their agent, an unsatisfactory settlement offer or high rates after DUI convictions. Regardless of your reason, finding a great new company is not as hard as you think.

Throughout this article, we presented some good ideas how you can save on 2010 Ford F-150 insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with an unexpected company.

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