View 2013 Ford F-150 Insurance Rates

Trying to find cheaper insurance for your Ford F-150 could be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to find insurance coverage online and you need to know the quickest way to quote coverages for a new or used Ford and find the lowest price.

It is always a good idea to price shop coverage quite often because insurance rates change regularly. Even if you got the best rates on F-150 insurance a year ago you will most likely find a better rate today. There is a lot of bad information regarding insurance coverage online but with this article, you’re going to get some excellent ideas to save money.

Discounts can save BIG

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be specifically requested before you will receive the discount. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • No Claims – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on F-150 insurance with select insurance companies.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.

Consumers should know that most discount credits are not given to the entire cost. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will reduce the cost of coverage.

For a list of insurers who offer auto insurance discounts, click here to view.

Where Can I Get Cheap Car Insurance?

Getting a lower price on 2013 Ford F-150 insurance is surprisingly easy. You just have to take the time comparing rate quotes from different insurance companies. This can be accomplished using a couple different methods.

  1. Probably the best way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This easy form saves time by eliminating separate quotation requests for each company. A single form gets you coverage quotes from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to get quotes online requires you to visit each company website to complete a price quote. For sake of this example, let’s assume you want rates from Allstate, Esurance and State Farm. To get rate quotes you would need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  3. The least efficient way to compare rates is driving around to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you require the trained guidance of a licensed agent. However, consumers can price shop online but buy from a local insurance agent and we’ll cover that in a bit.

Whichever method you choose, ensure you are comparing identical information with each company. If your comparisons have different values for each quote it will be next to impossible to determine the lowest rate for your Ford F-150.

Will just any policy work for me?

When it comes to buying coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether you would benefit from professional advice.

  • Is my trailer covered?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does medical payments coverage apply to all occupants?
  • Can my babysitter drive my car?
  • Will my insurance pay for OEM parts?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Learn about car insurance coverages for a Ford F-150

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like X-ray expenses, surgery and pain medications. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage provides protection from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, pain and suffering and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, theft and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2013 Ford F-150.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

What is YOUR best insurance company?

People change insurance companies for a number of reasons such as extreme rates for teen drivers, being labeled a high risk driver, questionable increases in premium or even policy non-renewal. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Cheap 2013 Ford F-150 insurance can be bought both online as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

When shopping online for insurance, do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Additional learning opportunities