Cheaper 2014 Ford F-150 Insurance Quotes

I can’t think of anyone who enjoys paying for insurance coverage, in particular when the cost is way too high.

Many auto insurance companies compete for your insurance dollar, so it can be very hard to choose a insurer and uncover the absolute best price available.

You should make it a habit to get comparison quotes yearly because rates tend to go up over time. Just because you had the best deal on F-150 coverage a few years ago there may be better deals available now. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the right way to save money, get proper deductibles and limits, all at the lowest rate.

The quickest way to compare rate quotes is to understand all the major auto insurance companies allow for online access to provide you with free rate quotes. The only thing you need to do is take a few minutes to give details such as daily mileage, what your job is, if you are currently licensed, and if you lease or own. Your information gets transmitted to multiple car insurance providers and you will receive price estimates within a short period of time.

To start a rate quote now, click here and complete the quick form.

Ford F-150 insurance rates have many determining factors

It’s important that you understand the factors that play a part in calculating the price you pay for auto insurance. Understanding what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

  • Marriage brings a discount – Having a spouse can actually save you money on your auto insurance policy. Marriage means you’re more responsible and statistics show drivers who are married are more cautious.
  • Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as doctors, executives and stock brokers tend to pay the highest rates in part from high stress and lengthy work days. On the other hand, occupations like scientists, students and performers have the lowest average rates on F-150 coverage.
  • Car features impact rates – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
  • Liability insurance protects assets – Your policy’s liability coverage provides coverage when a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Extra add-on coverages are wasting money – There are a lot of extra coverages that you can get tricked into buying when buying auto insurance. Insurance for rental car reimbursement, accidental death and additional equipment coverage may be costing you every month. They may seem like a good idea at first, but now you might not need them so eliminate the coverages to reduce your premium.

Discounts are great for lower rates

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but some must be inquired about before being credited.

  • Claim Free – Good drivers with no accidents pay less as compared to drivers who are more careless.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could be rewarded with lower rates on the low mileage vehicles.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on F-150 coverage.
  • Discount for Good Grades – This discount can save 20 to 25%. This discount can apply well after school through age 25.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on F-150 coverage than their less cautious counterparts.
  • Sign Early and Save – Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
  • Bundle and Save – When you have multiple policies with one company you may save approximately 10% to 15%.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, you’re out of luck. Any qualifying discounts will reduce the cost of coverage.

To see a list of companies who offer car insurance discounts, click here to view.

You may need specialized coverage

When buying coverage, there really is no one size fits all plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might point out whether you might need an agent’s assistance.

  • When should I drop full coverage on my 2014 Ford F-150?
  • Is my state a no-fault state?
  • Is a blown tire covered by insurance?
  • What is high-risk coverage and where do I buy it?
  • I have health insurance so do I need medical payments coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Should I have combined single limit or split liability limits?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance coverages for a 2014 Ford F-150

Having a good grasp of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, vandalism, damage from flooding, damage from getting keyed and hail damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverage

This coverage pays for damage to your F-150 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, scraping a guard rail, crashing into a ditch, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills like EMT expenses, funeral costs, rehabilitation expenses, prosthetic devices and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability

Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims. It does not 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 might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as emergency aid, structural damage, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Be a Smart Shopper

Lower-priced 2014 Ford F-150 insurance can be sourced from both online companies in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some car insurance companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

We covered many tips how you can shop for insurance online. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from a smaller regional carrier. Some small companies may cover specific market segments cheaper than their larger competitors like Progressive and Geico.

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