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1999 Ford F-150 Insurance Rates

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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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UPDATED: Jun 12, 2015

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Average insurance rates for a 1999 Ford F-150 are $866 a year with full coverage. Comprehensive costs an estimated $132 each year, collision insurance costs $134, and liability insurance costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs around $1,852. Teenage drivers receive the highest rates at up to $3,568 a year.

Annual premium for full coverage: $866

Rate estimates for 1999 Ford F-150 Insurance

Comprehensive $132
Collision $134
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1999 Ford F-150 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $496 for just liability coverage to a high rate of $1,852 for high-risk insurance.

Liability Only $496
Full Coverage $866
High Risk $1,852

View Chart as Image

1999 Ford F-150 insurance rates compared
Column chart showing 1999 Ford F-150 insurance prices range from $541 to $3,568 for full coverage

These differences demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1999 Ford F-150 Insurance

Searching Companies

Searching for the cheapest auto insurance rates for your Ford F-150? Sick and tired of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as most other car owners.

Consumers have many car insurance companies to choose from, and though it is a good thing to have a selection, it can be more challenging to locate the cheapest rates.

It’s a good habit to compare rates every six months because rates are constantly changing. Even if you got the lowest price for F-150 coverage last year a different company probably has better rates today. You’ll find quite a bit of inaccurate information about auto insurance online but I’m going to show you some solid techniques on how to put money back in your pocket.

Do you qualify for a discount?

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Some discounts apply automatically when you get a quote, but a few need to be specially asked for in order for you to get them.

  • Senior Discount – Older drivers may receive better car insurance rates for F-150 coverage.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.
  • Paperwork-free – Certain companies will give a small break simply for signing over the internet.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Federal Employees – Simply working for the federal government can save as much as 8% for F-150 coverage with a few car insurance companies.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • College Student – Kids in college who are attending college without a vehicle on campus may be able to be covered for less.

It’s important to note that most credits do not apply the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will help reduce your overall premium however.

A partial list of companies who might offer these benefits are:

Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts may not apply in your state.

How to Compare Auto Insurance Costs

To find the best auto insurance prices, there are several ways of comparing price quotes from different insurance companies. One of the best ways to find competitive 1999 Ford F-150 insurance rates involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

  • Probably the best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate quotation requests to each individual auto insurance company. One simple form gets you coverage quotes from all major companies.
  • A different way to compare prices requires visiting the website for every company you want to comare and fill out their own quote form. For instance, we’ll pretend you want rates from Progressive, 21st Century and American Family. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  • The most time-consuming method of getting rate comparisons is to drive around to local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you prefer the personal advice only provided by licensed agents. Drivers can compare the best prices online and still use a local agent.

It’s up to you which method you use, but make sure you use the exact same coverage limits on every quote. If you have higher or lower deductibles then you won’t be able to make a fair comparison for your Ford F-150. Quoting even small variations in insurance coverages can mean a large discrepancy in price. And when price shopping your coverage, getting more free quotes provides better odds of finding better pricing.

What coverages do I need?

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation will benefit from professional help.

  • When should I buy a commercial auto policy?
  • How much liability insurance is required?
  • Should I have combined single limit or split liability limits?
  • Should I rate my 1999 Ford F-150 as pleasure use or commute?
  • What is high-risk coverage and where do I buy it?
  • Can my teen drive my company car?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Parts of your auto insurance policy

Learning about specific coverages of auto insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.

Collision coverage – Collision coverage covers damage to your F-150 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, crashing into a building, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive auto insurance – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, fire damage and theft. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Auto liability – This protects you from damage or injury you incur to other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like loss of income, bail bonds, structural damage, medical expenses and court costs. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like pain medications, rehabilitation expenses and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

At the end of the day…

Budget-conscious 1999 Ford F-150 insurance can be sourced on the web as well as from independent agents, so you should compare both to have the best rate selection. Some insurance companies don’t offer online price quotes and many times these smaller companies only sell through independent insurance agents.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

You just learned a lot of ways to save on insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with an unexpected company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

Much more information about insurance is available on the following sites:

Rates by U.S. City

1999 Ford F-150 Insurance Rates by City
City Premium
New York City, NY $1,374
Los Angeles, CA $1,482
Philadelphia, PA $1,159
Jacksonville, FL $1,260
Phoenix, AZ $1,011
Chicago, IL $1,163
Houston, TX $1,360
Seattle, WA $847
Columbus, OH $726
Indianapolis, IN $739

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1999 Ford F-150 Insurance Rates by Driver Age
Driver Age Premium
16 $3,568
20 $1,970
30 $876
40 $866
50 $798
60 $780

Full coverage, $500 deductibles

Rates by Deductible

1999 Ford F-150 Insurance Rates with Different Deductibles
Deductible Premium
$100 $982
$250 $928
$500 $866
$1,000 $806

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $866
50/100 $954
100/300 $1,065
250/500 $1,352
100 CSL $999
300 CSL $1,242
500 CSL $1,419

Full coverage, driver age 40

Rates for High Risk Drivers

1999 Ford F-150 Insurance Rates for High Risk Drivers
Age Premium
16 $4,996
20 $3,136
30 $1,858
40 $1,852
50 $1,774
60 $1,754

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $112

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $42
Multi-vehicle $46
Homeowner $16
5-yr Accident Free $48
5-yr Claim Free $53
Paid in Full/EFT $28
Advance Quote $35
Online Quote $57
Total Discounts $325
Rate after discounts $541

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1999 Ford F-150 Insurance Rates by State
State Premium
Alabama $786
Alaska $668
Arizona $722
Arkansas $866
California $988
Colorado $828
Connecticut $892
Delaware $982
Florida $1,086
Georgia $800
Hawaii $622
Idaho $588
Illinois $646
Indiana $654
Iowa $584
Kansas $826
Kentucky $1,184
Louisiana $1,286
Maine $536
Maryland $718
Massachusetts $696
Michigan $1,508
Minnesota $724
Mississippi $1,040
Missouri $770
Montana $932
Nebraska $684
Nevada $1,040
New Hampshire $626
New Jersey $970
New Mexico $770
New York $916
North Carolina $500
North Dakota $710
Ohio $600
Oklahoma $892
Oregon $796
Pennsylvania $828
Rhode Island $1,158
South Carolina $786
South Dakota $734
Tennessee $762
Texas $1,046
Utah $644
Vermont $594
Virginia $520
Washington $672
West Virginia $796
Wisconsin $602
Wyoming $774

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