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  4. 2008 Model Year

2008 Ford F-150 Insurance Rates

Average insurance rates for a 2008 Ford F-150 are $1,048 a year with full coverage. Comprehensive insurance costs on average $196, collision insurance costs $260, and liability costs around $440. Buying a liability-only policy costs as low as $488 a year, and high-risk insurance costs $2,250 or more. Teenage drivers receive the highest rates at up to $4,106 a year.

Annual premium for full coverage: $1,048

Rate estimates for 2008 Ford F-150 Insurance

Comprehensive $196
Collision $260
Liability $440

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 middle-aged driver, prices range range from as low as $488 for a discount liability-only rate to a much higher rate of $2,250 for a high risk driver.

Liability Only $488
Full Coverage $1,048
High Risk $2,250

These differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

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Recommended Companies for Cheap 2008 Ford F-150 Insurance

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Trying to find better car insurance rates for your Ford F-150? Overpriced Ford F-150 insurance can empty your checking account and force you to prioritize other expenses. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket. Numerous insurers battle for your hard-earned dollar, so it’s not easy to compare every insurance company to discover the definitive cheapest price

Policy discounts you shouldn’t miss

Companies don’t always publicize every discount very well, so we researched some of the best known and the harder-to-find insurance savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Bundle and Save – When you have multiple policies with the same insurance company you will save 10% to 20% off each policy.

Consumers should know that many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurers offering insurance discounts, click this link.

Recommended Companies for the Best Insurance Rates

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Insurance agents can help

When choosing the best auto insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you could use an agent’s help.

  • Am I better off with higher deductibles on my 2008 Ford F-150?
  • Is a blown tire covered by insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Why is insurance for a teen driver so high?
  • Is pleasure use cheaper than using my 2008 Ford F-150 to commute?
  • Am I covered if I break a side mirror?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance policy specifics

Having a good grasp of insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car insurance

Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like repair bills for other people’s vehicles, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, vandalism, a tree branch falling on your vehicle, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This coverage pays for damage to your F-150 from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, rolling your car, hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses like prosthetic devices, X-ray expenses, funeral costs and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

The bottom line

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to discover later that it was a big mistake. Your strategy should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Throughout this article, we presented a lot of ways to compare 2008 Ford F-150 insurance prices online. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced insurance coverage comes from a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

To learn more, feel free to browse the resources below:

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Rates by U.S. City

2008 Ford F-150 Insurance Rates by City
CityPremium
New York City, NY$2,046
Los Angeles, CA$1,764
Philadelphia, PA$1,652
Jacksonville, FL$1,643
Phoenix, AZ$1,473
Chicago, IL$1,400
Houston, TX$1,310
Seattle, WA$1,162
Columbus, OH$891
Indianapolis, IN$841

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Rates by Driver Age

2008 Ford F-150 Insurance Rates by Driver Age
Driver AgePremium
16$4,106
20$2,384
30$1,072
40$1,048
50$958
60$940

Full coverage, $500 deductibles

Rates by Deductible

2008 Ford F-150 Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,246
$250$1,156
$500$1,048
$1,000$944

Full coverage, driver age 40

Rates by Liability Limit

Ford F-150 Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,048
50/100$1,136
100/300$1,246
250/500$1,532
100 CSL$1,180
300 CSL$1,422
500 CSL$1,598

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Ford F-150 Insurance Rates for High Risk Drivers
AgePremium
16$5,802
20$3,794
30$2,272
40$2,250
50$2,146
60$2,120

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 $140

Potential Rate Discounts

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

DiscountSavings
Multi-policy$54
Multi-vehicle$55
Homeowner$18
5-yr Accident Free$66
5-yr Claim Free$66
Paid in Full/EFT$40
Advance Quote$47
Online Quote$72
Total Discounts$418
Rate after discounts $630

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

2008 Ford F-150 Insurance Rates by State
StatePremium
Alabama$1,006
Alaska$860
Arizona$1,052
Arkansas$1,062
California$1,176
Colorado$1,088
Connecticut$1,372
Delaware$1,276
Florida$1,416
Georgia$1,040
Hawaii$1,132
Idaho$728
Illinois$778
Indiana$744
Iowa$788
Kansas$962
Kentucky$1,356
Louisiana$1,696
Maine$718
Maryland$1,076
Massachusetts$922
Michigan$1,926
Minnesota$920
Mississippi$1,026
Missouri$894
Montana$950
Nebraska$864
Nevada$1,352
New Hampshire$856
New Jersey$1,044
New Mexico$970
New York$1,364
North Carolina$744
North Dakota$1,020
Ohio$736
Oklahoma$1,272
Oregon$980
Pennsylvania$1,180
Rhode Island$1,270
South Carolina$978
South Dakota$822
Tennessee$940
Texas$1,008
Utah$928
Vermont$744
Virginia$754
Washington$922
West Virginia$1,066
Wisconsin$1,068
Wyoming$1,158

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