6 Shopping Tips Proven to Save Money on Ford F150 Pickup Auto Insurance Expenses in Dallas, TX

Are you burned out from robbing Peter to pay Paul to buy auto insurance? You’re in the same situation as the majority of other consumers in Texas. Online insurance companies like GEICO, Progressive and Allstate continually hit you with ads and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

It’s important to compare premium rates at least once a year since rates are usually higher with each renewal. Just because you found the lowest premium rates on F150 pickup insurance six months ago there may be better deals available now. There is a lot of bad advice regarding auto insurance online, but I’m going to show you some good information on how to stop overpaying for insurance.

If you are paying for car insurance now, you should be able to save some money using this information. Choosing the best insurance company for you in Dallas is easy if you know what you’re doing. But Texas vehicle owners must comprehend how big insurance companies market on the web.

Free Dallas auto insurance rate quotes

When shopping for , there are a couple of ways of comparing price quotes from companies that offer auto insurance in Texas. The quickest method to find affordable Ford F150 Pickup insurance rates is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.

  1. The first (and easiest) way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do boring form submissions for every auto insurance company. Taking the time to complete one form will return price quotes from multiple companies.
  2. A less efficient way to find more affordable insurance requires a visit to each company’s website and request a quote. For examples sake, we’ll assume you want to get rates from Nationwide, GEICO and Liberty Mutual. To get each rate you have to spend time going to each site individually and enter your information, which is why first method is reommended. To view a list of companies in Dallas, click here.
  3. The most time-consuming way of getting rate comparisons is actually driving to local Dallas insurance agencies. Buying insurance online makes this process obsolete unless you have a need for the professional guidance of a local Dallas agent. Drivers can compare the best prices online but buy from a local insurance agent.

Whichever method you choose, make sure you use exactly the same coverage limits for every quote you compare. If your comparisons have higher or lower deductibles you will not be able to determine the best price for your Ford F150 Pickup in Dallas. Having just a slight variation in coverages could throw off the whole comparison. And when comparison shopping, comparing more company’s prices provides better odds of finding better pricing. Some smaller insurers to not give rate quotes online, so it’s recommended that you also compare prices on coverage from those companies, too.

Don’t overlook these six auto insurance discounts

Some insurance providers don’t always publicize their entire list of discounts very well, so the list below details a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you . If you don’t get every credit you qualify for, you are paying more than you should be.

  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you can avoid the installment charge.
  • Military Deployment Discount – Having a family member in the military could trigger a small discount.
  • Accident Free – Good drivers with no accidents get the best auto insurance rates compared to frequent claim filers.
  • New Car Discount – Insuring a new car can save up to 30% compared to insuring an older model.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you could earn a discount of at least 10% off all policies.

One thing to note about discounts is that many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

Auto insurance companies that possibly offer these benefits possibly include:

When comparing rates, check with all companies you are considering which discounts can lower your rates. A few discounts may not be offered in your state.

Local insurance agents

Many drivers still prefer to have an agent’s advice and often times that is recommended One of the great benefits of comparing insurance prices online is you can get the lowest rates and still have a local agent. And supporting neighborhood insurance agencies is definitely important in Dallas.

For easy comparison, once you complete this form (opens in new window), your insurance data is emailed to local insurance agents who will give you bids for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your house since rate quotes are delivered directly to your email. Get lower rates without the usual hassles of price shopping. In the event you want to get a comparison quote from a specific company, don’t hesitate to navigate to their website and complete a quote there.

When looking for a reliable insurance agency, there are a couple of types of agencies and how they differ in how they quote coverages. Agents can be categorized as either captive or independent agents depending on their company appointments.

Independent Agents (or Brokers)

Independent agents do not work for one specific company so they can quote policies with multiple insurance companies and possibly get better coverage at lower prices. If premiums increase, the business is moved internally which makes it simple for you.

When searching for an agent, we recommend you include price quotes from at least one independent agent for the best price selection.free Dallas insurance quote

Captive Auto Insurance Agents

These type of agents can only provide pricing for a single company and some examples include AAA, Allstate, and State Farm. Captive agencies are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Captive insurance agents are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Choosing an insurance agency requires you to look at more than just a low price. Below are some questions you should ask.

  • Will they give you a referral list?
  • How would your car be valued if totalled?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are they able to influence company decisions when a claim is filed?
  • When do they do policy reviews?
  • Do they specialize in personal lines auto insurance?
  • Do they offer accident forgiveness?

Auto insurance coverage basics

Understanding the coverages of a auto insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the normal coverages offered by auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills such as EMT expenses, chiropractic care, X-ray expenses and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, fire damage, rock chips in glass, damage from flooding and a broken windshield. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might 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. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, court costs, medical services and attorney fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible. Texas requires drivers to carry at least 30,000/60,000/25,000 but you should consider buying more liability than the minimum.

Collision insurance

This coverage pays for damage to your F150 Pickup from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Ford F150 Pickup.

Because many people only carry the minimum required liability limits (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Cheaper auto insurance rates are out there

Throughout this article, we presented many ideas to shop for Ford F150 Pickup insurance online. The key concept to understand is the more times you quote, the higher your chance of finding . You may even find the best premium rates are with a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.

When shopping online for auto insurance, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an insured cut physical damage coverage only to regret at claim time that it was a big error on their part. Your strategy should be to purchase plenty of coverage at the best cost.

Much more information about auto insurance in Texas can be found on the through this link. Consumers can learn about insurance regulations, find a variety of consumer forms, discover disciplinary actions, and view agent and company licensing information.

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