Lower Your 1996 Ford F-150 Insurance Rates
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UPDATED: May 11, 2022
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Searching for lower car insurance rates for your Ford F-150? Confused by the wide range of car insurance options? You’re not the only one! You have so many choices that it can be a real challenge to find the perfect company for you.
Why your Ford F-150 insurance rates may be high
Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for insurance coverage. Knowing what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.
The list below includes a few of the “ingredients” used by your company to calculate rates.
- Safer occupants lowers premiums – Vehicles with high crash test scores can get you lower premiums. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Ford is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
- Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
- Big city or small town – Residing in small towns and rural areas is a positive aspect when buying insurance coverage. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Lower population translates into fewer accidents and a lower car theft rate.
- Rates may be higher depending on your occupation – Occupations like real estate brokers, architects and accountants tend to pay higher rates than average in part from stressful work requirements and long work days. On the flip side, occupations such as farmers, athletes and retirees have the lowest average rates on F-150 insurance.
- How many coverages with the same company – Some insurers provide better rates to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to comparison shop to make sure you are getting the best deal.
Comprehensive Insurance Comparison Quotes
When shopping for insurance there are multiple ways to compare rate quotes from insurance companies in your area. The fastest way to find the cheapest 1996 Ford F-150 insurance rates consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.
- Probably the best way to get quotes for comparison is a comparison rater form (click to open form in new window). This method prevents you from having to do repetitive form entry to each individual insurance company. Completing one form gets rate comparisons from multiple companies.It’s the quickest way to get rates.
- A different way to find lower rates requires visiting each company website and fill out their own quote form. For example, let’s assume you want rates from State Farm, Esurance and Farmers. You would have to go to every website and enter your information, which is why the first method is quicker.For a list of links to companies insuring cars in your area, click here.
- The least recommended method to get comparison rates is driving around to different agent offices. The internet can eliminate the need for a local agent unless you prefer the professional guidance that only a license agent can provide. However, consumers can compare the best prices online but still have the advice of a local agent and we’ll talk about that later.
It’s your choice how you get your quotes, but ensure you’re using apples-to-apples information on every quote. If you compare different deductibles it will be impossible to make a fair comparison for your Ford F-150. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparison shopping, more quotes will improve the odds of getting the best rates.
Is there truth in advertising?
Companies like GEICO, State Farm and Progressive continually stream television and radio advertisements. All the ads say the same thing that you’ll save big after switching to them. How do they all make almost identical claims? This is how they do it.
All the different companies can use profiling for the driver they prefer to insure. A good example of a profitable customer could possibly be a mature driver, has no tickets, and drives less than 7,500 miles a year. A customer who matches those parameters will get very good rates and is almost guaranteed to save when they switch companies.
Potential customers who are not a match for these standards will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” save that much money. This is how insurance companies can advertise the savings. Because of the profiling, drivers should get as many quotes as possible. You cannot predict which insurance company will give you the biggest savings on Ford F-150 insurance.
Save on Ford F-150 insurance
Auto insurance companies do not list every available discount in an easy-to-find place, so the following is a list of both the well known and the more hidden car insurance savings.
- Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Seat Belt Usage – Requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
- Auto/Life Discount – Larger companies have lower rates if you buy a life insurance policy as well.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
- Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
- Multi-car Discount – Having more than one vehicle on the same car insurance policy could earn a price break for each car.
- New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
- Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying your policy on their website.
- One Accident Forgiven – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
- Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.
Companies that may have these money-saving discounts are:
- American Family
- State Farm
- 21st Century
Double check with each insurance company what discounts are available to you. Savings might not apply in every state.
Tailor your coverage to you
When buying proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.
Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.
- Is my business laptop covered if it gets stolen from my vehicle?
- Is rental equipment covered for theft or damage?
- I have good health insurance, so how much medical payments coverage do I need?
- What are the financial responsibility laws in my state?
- What exactly is covered by my policy?
- Am I getting all the discounts available?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.
Auto insurance coverage specifics
Knowing the specifics of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist 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.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
Coverage for liability – Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against claims like attorney fees, medical services, medical expenses, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is up to you, but buy higher limits if possible.
Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like hitting a bird, falling objects and damage from flooding. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision coverages – This coverage pays for damage to your F-150 from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like sustaining damage from a pot hole, hitting a mailbox, colliding with a tree, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like chiropractic care, pain medications and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
The bottom line
As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There are many occasions where an insured cut full coverage and learned later they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.
In this article, we presented some good ideas how to reduce 1996 Ford F-150 insurance prices online. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with a lesser-known regional company.
Consumers who switch companies do it for a variety of reasons including being labeled a high risk driver, denial of a claim, delays in paying claims or poor customer service. Whatever your reason, finding a new company can be easy and end up saving you some money.
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