Compare 2019 Ford F-150 Car Insurance Quotes 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 6, 2024

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Comparing auto insurance quotes online can be complicated since most people haven’t used online price comparisons. But don’t be overwhelmed because finding affordable coverage online is easier than you think.

If you currently have a car insurance policy, you should be able to save some money using these techniques. The purpose of this article is to let you in on how to effectively get price quotes and some tips to save money. But drivers do need to learn the way companies price insurance differently because it can help you find the best coverage.

Shop insurance coverage online

To find inexpensive auto insurance quotes, there are several ways to obtain and compare prices from many insurance coverage companies in your state. The simplest method to comparison shop consists of shopping online. It is quite easy and can be accomplished in a couple minutes as outlined below.

  1. The best way to get quotes for comparison is an all-inclusive rate comparison. This easy form prevents you from having to do boring form submissions for every prospective company. Taking the time to complete one form gets rate comparisons from multiple companies. Just one form and you’re done.
  2. A different way to analyze rates consists of going to each company’s website and go through the quote process again. For example, let’s say you want to compare State Farm, Safeco and Liberty Mutual. To get each rate you have to spend time on each company’s site to enter the same coverage data repeatedly, which is why most consumers use the first method.
  3. The most time-consuming method to compare price quotes is to spend time driving to each insurance agency near you. Comparing rate quotes online makes this process obsolete unless you require the professional assistance of a licensed agent. Although you can compare the best prices online but have your policy serviced through an agent.

It’s up to you which method you use, but do your best to enter nearly identical deductibles and coverage limits with each company. If you enter higher or lower deductibles it’s impossible to determine the best price for your Ford F-150. Having just a slight variation in coverage limits may result in large price differences. Just remember that comparing more quotes increases the change that you will find a lower rate.

Find discounts to get cheap car insurance quotes

Car insurance is easily one of your largest bills, but you may qualify for discounts to reduce the price significantly. Certain credits will be shown at the time of purchase, but a few must be specifically requested before being credited.

  • Defensive Driver Discount – Taking a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
  • Driver Education Discount – Teen drivers should successfully take a drivers education course if it’s offered in school.
  • 55 and Retired – Mature drivers can possibly qualify for a small decrease in premiums for F-150 coverage.
  • Include Life Insurance and Save – If the company offers life insurance, you could get a lower rate if you buy some life insurance in addition to your auto policy.
  • Telematics Data – Insureds who allow their car insurance company to study their driving habits by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower car insurance rates.
  • Student in College – Any of your kids who live away from home at college and won’t have access to an insured vehicle can receive lower rates.
  • Good Student Discount – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.

A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky.

For a list of providers that offer the discounts shown above, enter your zip code here.

The Ford F-150 insurance premium equation

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. When consumers understand what controls the rates you pay, this allows you to make good choices that can help you get better car insurance rates. Many factors are used in the calculation when quoting car insurance. Some of the criteria are obvious such as your driving history, although some other factors are more obscure like where you live or your vehicle rating.

  • Single drivers may pay more – Being married may earn you lower rates compared to being single. Having a spouse generally demonstrates drivers are more financially stable and it’s statistically proven that drivers who are married file infrequent claims.
  • Keep policy claims to a minimum – If you file claims often, you should expect much higher rates or policy non-renewal. Car insurance companies give cheaper rates to people who are claim-free. Your car insurance is designed for more catestrophic claims.
  • Discounts for theft deterrents – Owning a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your vehicle from being stolen.
  • How much liability do you need? – A critical coverage on your policy, liability insurance will provide protection if ever you are determined to be liable for damages from an accident. This coverage provides legal defense to defend your case. Liability is cheap compared to comp and collision, so do not skimp.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For instance, these questions might help in determining whether or not you may require specific advice.

  • Am I covered if I wreck a rental car?
  • How do I file an SR-22 for a DUI in my state?
  • Can I afford low physical damage deductibles?
  • Does my insurance cover a custom paint job?
  • Is business property covered if stolen from my car?
  • Should I sign the liability waiver when renting a car?
  • Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, complete your zip code.

Car insurance coverages for a Ford F-150

Having a good grasp of insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for short-term medical expenses like ambulance fees, X-ray expenses, prosthetic devices and funeral costs. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford F-150.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liability limits.

Liability – Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like legal defense fees, repair bills for other people’s vehicles, structural damage, medical expenses and court costs. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Collision coverages – This covers damage to your F-150 resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, hitting a parking meter, damaging your car on a curb, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, damage from getting keyed and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

One last thing

When getting auto insurance quotes online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Throughout this article, we presented some good ideas how to lower your 2019 Ford F-150 insurance rates. The most important thing to understand is the more providers you compare, the better likelihood of getting cheap auto insurance. Consumers could even find that the most savings is with the least-expected company.

Drivers change insurance companies for many reasons like questionable increases in premium, extreme rates for teen drivers, not issuing a premium refund or delays in paying claims. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.

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