2009 Ford F-150 Insurance Rates

Average insurance rates for a 2009 Ford F-150 are $1,068 a year for full coverage. Comprehensive insurance costs approximately $204, collision insurance costs $276, and liability costs around $436. Buying a liability-only policy costs as low as $486 a year, and high-risk insurance costs $2,292 or more. Teen drivers receive the highest rates at up to $4,166 a year.

Annual premium for full coverage: $1,068

Rate estimates for 2009 Ford F-150 Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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

These differences show why everyone should compare prices using their specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Want lower car insurance rates for your Ford F-150? Perplexed by the crazy number of car insurance choices? Lot’s of other consumers are too. Consumers have so many options that it can turn into a lot of work to find the best price.

It’s smart to take a look at other company’s rates quite often since rates change regularly. Even if you got the best price on F-150 coverage a few years ago you can probably find a better price now. So just forget all the misinformation about car insurance because it’s time to teach you how to use the internet to save money, get proper coverage and the best rates.

These six discounts can slash auto insurance rates

Car insurance companies don’t always list all available discounts in an easy-to-find place, so we took the time to find both the well known and also the lesser-known ways to save on auto insurance.

• Resident Student – Kids in college who are attending college and do not have a car may qualify for this discount.
• Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on F-150 coverage with a few auto insurance companies.
• Driver’s Ed – Have your child take driver’s ed class in school.
• Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
• Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on F-150 coverage than less cautious drivers.
• E-sign – A handful of insurance companies will give a small break for buying a policy and signing up on their website.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like comp or med pay. Even though it may seem like you could get a free auto insurance policy, you won’t be that lucky.

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

When might I need the advice of an agent?

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different.

For example, these questions might help in determining whether you would benefit from professional advice.

• Do I need PIP (personal injury protection) coverage in my state?
• Is my dog or cat covered if injured in an accident?
• Am I getting all the discounts available?
• Should I have combined single limit or split liability limits?
• Should I rate my 2009 Ford F-150 as pleasure use or commute?
• I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

How can State Farm and Allstate save drivers who switch?

State Farm and Allstate constantly bombard you with television and radio advertisements. All the companies say the same thing of big savings if you switch to them. How does each company make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the type of driver that is profitable for them. For instance, a preferred risk could be between 30 and 50, insures multiple vehicles, and has excellent credit. A customer who fits that profile will get the preferred rates and most likely will save when they switch companies.

Drivers who don’t meet these standards will have to pay more money and this can result in the customer not buying. The ads state “customers that switch” not “people who quote” save that kind of money. That’s the way companies can advertise the way they do. Because of the profiling, you absolutely need to get as many comparisons as possible. Because you never know the company that will give you the biggest savings on Ford F-150 insurance.

Insurance coverage breakdown

Understanding the coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for collisions

This coverage pays for damage to your F-150 resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability coverages

This coverage protects you from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage protects against things such as pain and suffering, attorney fees and court costs. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills like rehabilitation expenses, dental work, hospital visits, EMT expenses and doctor visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, a tree branch falling on your vehicle, damage from flooding and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay 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 limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage on a shoestring budget

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where drivers have reduced collision coverage to discover at claim time they didn’t have enough coverage. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Cheaper 2009 Ford F-150 insurance can be found from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Consumers leave their current company for any number of reasons including high rates after DUI convictions, poor customer service, unfair underwriting practices or not issuing a premium refund. No matter why you want to switch, choosing a new company can be easier than you think.

To read more, feel free to browse these articles:

• What Does No-Fault Insurance Cover? (Allstate)
• Winter Driving (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Understanding Limits and Deductibles (Allstate)