Searching for low-cost insurance for a Ford F150 Pickup in Texas could be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the best way to compare rates for a Ford and get the best price possible.
Finding affordable coverage is quite easy. In a nutshell, everyone who carries car insurance stands a good chance to be able to lower their premiums. Nevertheless, Texas consumers must understand how big insurance companies price online insurance and apply this information to your search.
Cut your premium with discounts
Auto insurance companies don’t always advertise all available discounts very clearly, so we took the time to find both the well known as well as the least known savings tricks you should be using.
- Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
- Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
- Drivers Education – Have your child enroll in driver’s education in school.
- Multi-car Discount – Having more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
- Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less than their less cautious counterparts.
- Save with a New Car – Insuring a new car can be considerably cheaper since new cars are generally safer.
- Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
- Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.
What is the Cheapest F-150 Insurance in Texas?
Performing a rate comparison is a ton of work if you aren’t aware of the easiest way. You can waste hours talking about coverages with insurance companies in your area, or you could save time and use the web to get the quickest rates.
Most major companies take part in a program that allows shoppers to enter their policy data once, and each company then gives them pricing information. This saves time by eliminating repetitive form submissions for every car insurance company. To access this free quoting program, click to open in new window.
The only drawback to pricing coverage this way is that consumers can’t choose the companies to receive prices from. So if you want to choose specific providers to compare rates we have assembled a list of car insurance companies in Texas. Click to view list.
However you get your quotes, make absolute certain that you use identical coverage limits and deductibles on every quote. If you are comparing unequal deductibles or liability limits it’s impossible to determine the best price. Quoting even small variations in limits can mean a large discrepancy in price. Keep in mind that more quotes provides better odds of getting the best rates.
Why you might be paying too much to insure your Ford F-150 Truck
An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for car insurance. Knowing what influences your rates enables informed choices that could result in lower car insurance prices.
- Careful drivers pay lower rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Careful drivers have lower premiums than bad drivers. Even one speeding ticket can boost insurance rates forty percent or more. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
- Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. Safe vehicles reduce injuries and any reduction in injury severity means lower claim amounts and thus lower rates. If your Ford truck scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
- Males pay more for insurance – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Women and men cause accidents at a similar rate, but the male of the species cause more damage. Men also tend to receive more costly citations like DUI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive car insurance rates.
- Don’t buy coverages you don’t need – There are many extra coverages that you can get tricked into buying when buying car insurance. Coverages for personal injury protection, accidental death and term life insurance may be costing you every month. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate them to save money.
What is the best insurance coverage?
When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.
Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.
- Can I afford to buy a different vehicle if my F-150 is totaled?
- Should I file a claim if it’s only slightly more than my deductible?
- What can I do if my company won’t pay a claim?
- When does my teenage driver need to be added to my policy?
- Does my personal auto insurance policy cover using my vehicle for business use?
- How high should my medical payments coverage be?
- Do I need to file an SR-22 for a DUI in Texas?
- Does my policy pay for OEM or aftermarket parts?
If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.
Quote more, save more
As you restructure your insurance plan, do not buy less coverage just to save a little money. In many instances, an insured cut comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at a price you can afford while not skimping on critical coverages.
We just showed you a lot of ways to compare Ford F-150 insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the best prices are with some of the smallest insurance companies.
Cheap Ford F-150 insurance can be purchased both online and also from your neighborhood Texas agents, so compare prices from both to have the best rate selection. Local independent agents can write coverage with small mutal insurance companies who may not provide the ability to get a quote online.