2022 Ford F-150 Car Insurance Quotes in 2024

Looking for better auto insurance rates for your Ford F-150? Having to pay for expensive Ford F-150 insurance can deplete your checking account and make it tough to pay other bills.

Many insurers compete for your insurance dollar, so it can be very hard to choose a insurance company to find the lowest rate possible.

How to find low cost insurance

Effectively comparing insurance prices can be exhausting if you don’t utilize the best way to get rate quotes. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can utilize the web to get rates in a matter of minutes.

Most of the best insurance companies participate in a marketplace where prospective buyers complete one form, and each participating company returns a rated price determined by their information. This prevents consumers from doing form submissions to each company.

To get comparison pricing now enter your zip code here.

One minor caveat to doing it this way is you are unable to specify which insurance companies to receive prices from. If you prefer to choose individual companies to compare, we have a page of low cost insurance companies in your area. Click to enter zip code.

Whichever way you choose to compare rates, be sure to compare exactly the same quote information for each price quote. If you are comparing different values for each quote it will be impossible to determine the lowest rate for your Ford F-150. Quoting even small variations in insurance coverages could skew the results. And when comparing insurance rates, know that comparing more rates from different companies will enable you to find the best offered rates. Not every company does rate quotes online, so you need to compare prices on coverage from those companies, too.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but there may be some discounts to cut the cost considerably. Most are applied at quote time, but lesser-known reductions have to be asked about before they will apply.

• Lower Rates for Military – Having an actively deployed family member could mean lower premium rates.
• Switch and Save Discount – Some auto insurance companies give discounts for switching policies before your current coverage expires. It’s a savings of about 10%.
• Paperless Signup – Some auto insurance companies will give a small break for buying a policy and signing up on the internet.
• Payment Method – By paying your entire bill at once instead of making monthly payments you can avoid the installment charge.
• Life Insurance – Larger auto insurance companies have a discount if you purchase life insurance.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
• Low Mileage – Low annual miles can qualify you for better prices on cars that stay parked.
• Save with a New Car – Buying a new car model can get you a discount since new model year vehicles are generally safer.
• Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.

It’s important to understand that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as medical payments or collision. So when the math indicates you could get a free auto insurance policy, you aren’t that lucky.

To choose companies that offer the discounts shown above, enter your zip code here.

Don’t assume everyone needs the same insurance coverage

When buying coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

• How high should deductibles be on a 2022 Ford F-150?
• Do I need added coverage for expensive stereo equipment?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Will I lose any money if I cancel my policy before it expires?
• When should I buy a commercial auto policy?
• What if I owe more than I can insure my car for?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Parts of your auto insurance policy

Knowing the specifics of auto insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on the average auto insurance policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses for things like pain medications, surgery, chiropractic care and EMT expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision protection

Collision insurance pays for damage to your F-150 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, sideswiping another vehicle, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

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

Liability coverage

Liability coverage can cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability insurance covers things like emergency aid, bail bonds, pain and suffering and court costs. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, falling objects and hail damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.