1990 Ford F-150 Car Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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Paying for high-priced Ford F-150 insurance can overdraw your bank account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away.

Because you have many insurance providers from which to choose, it can be impossible to pick the right car insurance company.

Consumers should take time to compare rates before your policy renews because prices change frequently. Just because you had the best rates for F-150 coverage six months ago you may be paying too much now. So just forget anything you know (or think you know) about car insurance because we’re going to show you the quickest way to find better rates and still maintain coverage.

The quickest way to compare rates takes advantage of the fact most larger insurance companies provide online access to give free rates quotes. All you need to do is give them some information including your occupation, distance driven, your general credit rating, and whether you drive to work or school. That rating information is instantly sent to multiple auto insurance providers and they provide comparison quotes instantly to find the best rate.

There’s no such thing as the perfect policy

When choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation could use an agent’s help.

  • What should my uninsured motorist coverage limits be in my state?
  • Exactly who is provided coverage by my policy?
  • Why am I required to buy liability insurance?
  • Am I covered if I crash into my own garage door?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Coverages available on your policy

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on most auto insurance policies.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, a broken windshield, damage from a tornado or hurricane and falling objects. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford F-150.

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 important protection for you and your family.

Collision coverage

This will pay to fix damage to your F-150 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, EMT expenses and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability coverage

Liability coverage can cover damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like pain and suffering, loss of income, repair bills for other people’s vehicles, funeral expenses and structural damage. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

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