1999 Ford F-150 Insurance Rates
Average insurance rates for a 1999 Ford F-150 are $840 a year with full coverage. Comprehensive costs an estimated $130 each year, collision insurance costs $134, and liability insurance costs around $424. Buying a liability-only policy costs as low as $476 a year, and high-risk insurance costs around $1,796. Teenage drivers receive the highest rates at up to $3,444 a year.
Annual premium for full coverage: $840
Rate estimates for 1999 Ford F-150 Insurance
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 $476 for just liability coverage to a high rate of $1,796 for high-risk insurance.
These differences demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than relying on average rates.
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Recommended Companies for Cheap 1999 Ford F-150 Insurance
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.
Recommended Companies for the Best Insurance Rates
- 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:
- Alcohol Impaired Driving FAQ (iihs.org)
- Tools for Teen Driving Safety (State Farm)
- Rollover Crash FAQ (iihs.org)
- Auto Insurance for Teen Drivers (Insurance Information Insitute)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$1,641|
|Los Angeles, CA||$1,413|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$47|
|5-yr Claim Free||$51|
|Paid in Full/EFT||$27|
Discounts are estimated and may not be available from every company or in every state.