1997 Ford F-150 Insurance Quotes – 5 Policy Discounts

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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 12, 2022

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Looking for the cheapest auto insurance rates for your Ford F-150? Have you had enough of being strong-armed to pay your car insurance bill each month? Your situation is no different than millions of other consumers. There are many car insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more challenging to find a good deal.

How to reduce Ford F-150 insurance rates

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but a few need to be specifically requested before you get the savings. If you don’t get every credit available, you’re paying more than you need to.

  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Safe Drivers – Safe drivers may save up to 50% more for F-150 coverage than less cautious drivers.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Accident Free – Good drivers with no accidents pay much less as compared to accident-prone drivers.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky. But all discounts will bring down the amount you have to pay.

For a list of insurance companies with the best insurance discounts, click here.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • What is the minimum liability in my state?
  • Does my personal policy cover me when driving out-of-state?
  • What is medical payments coverage?
  • If my 1997 Ford F-150 is totaled, can I afford another vehicle?
  • Is my teen driver covered when they drive my company car?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Specific coverages for a 1997 Ford F-150

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Collision – This coverage pays for damage to your F-150 resulting 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 can pay for claims such as hitting a mailbox, colliding with another moving vehicle, driving through your garage door, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, EMT expenses, dental work, surgery and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists 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 only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, damage from a tornado or hurricane and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability – This coverage protects you from damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like funeral expenses, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

More choices the merrier

When buying insurance coverage, do not reduce coverage to reduce premium. There are many occasions where an insured dropped comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage for the lowest price.

You just learned quite a bit of information on how to reduce 1997 Ford F-150 insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. Regional companies can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.

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