Cheapest 2004 Ford F-150 Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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Trying to find the lowest 2004 Ford F-150 car insurance rates?  Are you intimidated by the crazy number of auto insurance choices? You’re not alone. You have so many companies to choose from that it can turn into a lot of work to locate the lowest price.

Take advantage of discounts

Cheap car insurance companies don’t always advertise every available discount very well, so we break down both well-publicized and the more hidden auto insurance savings.

  • More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered at school.

As a disclaimer on discounts, many deductions do not apply to the whole policy. Most only apply to the cost of specific coverage such as liability, collision or medical payments. So when it seems like you can get free auto insurance, companies don’t profit that way.

How to know if you need help

When it comes to buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions might point out whether you will benefit from professional help.

  • Which is better, split liability limits or combined limits?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is business property covered if stolen from my car?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need medical payment’s coverage since I have good health insurance?
  • Am I better off with higher deductibles on my 2004 Ford F-150?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

What insurance coverage do you need?

Knowing the specifics of your insurance policy helps when choosing which coverage you need and the proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense coverage

Coverage for medical payments and/or PIP kicks in for immediate expenses like surgery, prosthetic devices, rehabilitation expenses and chiropractic care. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck by a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay


This coverage provides protection from damage or injury you incur to other people or property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50, which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability coverage pays for claims like legal defense fees, court costs, medical expenses and structural damage. How much coverage you buy is your choice, but consider buying as much as you can afford.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. A deductible will apply, then your comprehensive coverage will be paid.

Comprehensive insurance covers things like rock chips in glass, a broken windshield and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2004 Ford F-150.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision insurance

Collision insurance pays for damage to your F-150 from colliding with another car or object. A deductible applies, then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pothole, hitting a mailbox, damaging your car on a curb, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

2004 Ford F-150 Car Insurance: The Bottom Line

Consumers leave their current company for any number of reasons, including policy cancellation, poor customer service, questionable increases in premiums or even extreme rates for teen drivers. Whatever your reason, choosing a new company is not as difficult as it may seem.

The best value of 2004 Ford F-150 insurance can be sourced both online and with local insurance agents, so compare prices from both to have the best rate selection. Some companies do not offer the ability to get a quote online and most of the time, these small, regional companies sell through independent agents.

We just presented some good ideas on how to save on insurance. The key concept to understand is that the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the best price on auto insurance is with a smaller regional carrier.

Frequently Asked Questions

What factors can affect the insurance rates for a 2004 Ford F-150?

Insurance rates for a 2004 Ford F-150 can be influenced by factors such as driving history, location, coverage options, and the vehicle’s overall condition.

Are there any ways to lower the insurance rates for a 2004 Ford F-150?

Yes, there are several methods to potentially reduce insurance costs for a 2004 Ford F-150.

Can installing safety features on a 2004 Ford F-150 help lower insurance rates?

Yes, adding safety features like anti-theft devices or driver-assistance systems to a 2004 Ford F-150 may help in lowering insurance premiums.

Yes, comparing insurance quotes from multiple providers can help in finding the most affordable rates for a 2004 Ford F-150.

Does the age of the driver impact the insurance rates for a 2004 Ford F-150?

Yes, the age of the driver can have an effect on the insurance rates for a 2004 Ford F-150, as younger and inexperienced drivers tend to have higher premiums.

Can maintaining a good credit score help in obtaining cheaper insurance rates for a 2004 Ford F-150?

Yes, having a good credit score can potentially lead to lower insurance rates for a 2004 Ford F-150.

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