2008 Ford F-150 Car Insurance Quotes

Searching for lower car insurance rates for your Ford F-150? Pretty sure you bought an overpriced car insurance policy? Believe me, you are not the only one feeling buyer’s remorse.

With drivers having so many choices, it can be impossible to locate a lower cost company.

The purpose of this post is to tell you how car insurance quotes work. If you have car insurance now, you will be able to cut costs considerably using these techniques. Although consumers need to learn the way insurance companies sell insurance online and use this information to your advantage.

First Step: Get free insurance quotes

There are a variety of methods you can shop for insurance but one way is more efficient than others. You can spend countless hours driving to agents in your area, or you could use online quoting to quickly compare rates.

Many popular insurance companies belong to a marketplace where insurance shoppers complete one form, and every company provides a quote based on that data. This prevents consumers from doing quote requests for each company you want a rate for.

To participate in this free quote system, click here to start a free quote.

The only downside to using this type of form is buyers cannot specifically choose the providers to get pricing from. If you would rather choose specific insurance companies to request quotes from, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare apples-to-apples coverages with each company. If each company quotes different coverage information it will be next to impossible to determine which rate is truly the best. Just slight variations in coverage limits can make a big difference in price. Just remember that making a lot of price comparisons gives you a better chance of getting the best price. Some regional insurers cannot provide quotes online, so you also need to get rates from the smaller companies as well.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For example, these questions could help you determine whether your personal situation might need an agent’s assistance.

• Am I covered by my spouse’s policy after a separation?
• Do I have any recourse if my insurance company denies a claim?
• Is a fancy paint job covered?
• At what point should I drop full coverage?
• Why do I only qualify for high-risk insurance?
• Do I need replacement cost coverage on my 2008 Ford F-150?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance policy specifics

Knowing the specifics of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average car insurance policy.

Collision coverages – Collision coverage pays for damage to your F-150 from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, driving through your garage door, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like nursing services, doctor visits, dental work, X-ray expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Liability – This will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

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. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see 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 court costs, bail bonds, medical services, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Ford F-150.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, hitting a bird and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.