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Ford F-150 Insurance Rates

Shopping for car insurance by quoting online saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is to get rates from all companies in order to accurately compare the lowest priced insurance.

Comparing car insurance rates direct online can be complicated if you are a beginner to online quoting. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. The best method to find the cheapest Ford F-150 insurance cost consists of shopping online. This is very easy and can be done by getting a quick quote here.

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Criteria which help determine Ford insurance rates

Auto insurance rates on a Ford F-150 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

  • Tickets increase premiums
  • Credit rating impacts rates
  • Men typically pay more than women
  • The deductible you choose
  • NTSB crash rating for your vehicle
  • What you do for a living
  • Your coverage level
  • Owning a home can lower rates

A final factor that will help determine Ford F-150 insurance rates is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so the cost to replace them may end up costing you less. On the flip side, more recent Ford vehicles may have a trim level with safety features like pedestrian detection, automatic crash notification, and tire pressure monitors which may help offset higher rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability coverages - This will cover injuries or damage you cause to people or other property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your Ford resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your Ford F-150 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper Ford F-150 insurance rates.

Comprehensive coverages - This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your Ford F-150 comprehensive insurance. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used in conjunction with a health insurance program or if you lack health insurance entirely. PIP coverage is only offered in select states and may carry a deductible.

How Much are Ford F-150 Insurance Rates?