Ford F-150 insurance rates image courtesy of QuoteInspector.com
Searching for cheaper insurance for a Ford F-150 in Florida can turn out to be a painful process, but you can learn a few tricks to find lower rates.
There are both good and bad ways to shop for insurance so we're going to tell you the absolute fastest way to quote coverages for a new or used Ford and get the cheapest rates either online or from Orlando insurance agents.
It is always a good idea to quote other rates periodically because insurance prices are usually higher with each renewal. If you had the lowest rates on Ford F-150 insurance in Orlando a couple years back there is a good chance you can find better premium rates now. Forget all the misinformation about insurance because it's time to teach you the easiest way to remove unneeded coverages and save money.
If you have a policy now or want to find a cheaper company, follow these tips to lower your rates without reducing coverage. Pricing affordable coverage in Orlando is easy if you know what you're doing. Vehicle owners only have to learn the fastest way to shop for car insurance online.
Low Cost Ford insurance rates in Orlando
The providers in the list below are our best choices to provide free quotes in Florida. If multiple companies are listed, we suggest you get rates from several of them to find the most competitive auto insurance rates.
Rates and information analytics
The rate table shown next covers estimates of insurance coverage prices for Ford F-150 models. Learning a little about how insurance quotes are formulated helps drivers make informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$196||$276||$438||$26||$132||$1,068||$89|
|F-150 STX Regular Cab 2WD||$196||$352||$438||$26||$132||$1,144||$95|
|F-150 XL Super Cab 2WD||$196||$352||$438||$26||$132||$1,144||$95|
|F-150 XLT Regular Cab 2WD||$196||$352||$438||$26||$132||$1,144||$95|
|F-150 STX Super Cab 2WD||$196||$352||$438||$26||$132||$1,144||$95|
|F-150 XL Crew Cab 2WD||$226||$352||$438||$26||$132||$1,174||$98|
|F-150 XLT Super Cab 2WD||$226||$352||$438||$26||$132||$1,174||$98|
|F-150 STX Regular Cab 4WD||$226||$352||$438||$26||$132||$1,174||$98|
|F-150 XL Regular Cab 4WD||$226||$352||$438||$26||$132||$1,174||$98|
|F-150 FX2 Super Cab 2WD||$226||$352||$438||$26||$132||$1,174||$98|
|F-150 XLT Crew Cab 2WD||$226||$352||$438||$26||$132||$1,174||$98|
|F-150 XL Super Cab 4WD||$226||$352||$438||$26||$132||$1,174||$98|
|F-150 XLT Regular Cab 4WD||$226||$352||$438||$26||$132||$1,174||$98|
|F-150 XL Crew Cab 4WD||$254||$352||$438||$26||$132||$1,202||$100|
|F-150 STX Super Cab 4WD||$254||$352||$438||$26||$132||$1,202||$100|
|F-150 XLT Super Cab 4WD||$254||$352||$438||$26||$132||$1,202||$100|
|F-150 FX2 2WD||$254||$430||$438||$26||$132||$1,280||$107|
|F-150 Lariat Super Cab 2WD||$254||$430||$438||$26||$132||$1,280||$107|
|F-150 Lariat Crew Cab 2WD||$254||$430||$438||$26||$132||$1,280||$107|
|F-150 FX4 Super Cab 4WD||$254||$430||$438||$26||$132||$1,280||$107|
|F-150 XLT Crew Cab 4WD||$254||$430||$438||$26||$132||$1,280||$107|
|F-150 FX4 4WD||$254||$430||$438||$26||$132||$1,280||$107|
|F-150 Lariat Crew Cab 4WD||$254||$430||$438||$26||$132||$1,280||$107|
|F-150 SVT Raptor Super Cab 4WD||$254||$430||$438||$26||$132||$1,280||$107|
|F-150 Lariat Super Cab 4WD||$254||$430||$438||$26||$132||$1,280||$107|
|F-150 Lariat Crew Cab Platinum 2WD||$254||$506||$438||$26||$132||$1,356||$113|
|F-150 Lariat Crew Cab Harley 2WD||$254||$506||$438||$26||$132||$1,356||$113|
|F-150 Lariat King Ranch 2WD||$254||$506||$438||$26||$132||$1,356||$113|
|F-150 Lariat King Ranch 4WD||$284||$506||$438||$26||$132||$1,386||$116|
|F-150 Lariat Crew Cab Harley 4WD||$284||$506||$438||$26||$132||$1,386||$116|
|F-150 Lariat Crew Cab Platinum 4WD||$284||$506||$438||$26||$132||$1,386||$116|
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in vehicle garaging location which can affect insurance rates considerably.
How much more does full coverage cost?
The example below shows the difference between Ford F-150 auto insurance costs with full coverage and liability only. The rate quotes are based on no accidents or driving violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There is no definitive rule to stop buying full coverage, but there is a general school of thought. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let's assume your Ford F-150 claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your policy deductible. If it's costing you more than $200 a year for full coverage, then you might want to consider buying only liability coverage.
There are some scenarios where dropping full coverage is not financially feasible. If you haven't paid off your loan, you have to carry full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Auto insurance policy discounts for Ford F-150 insurance in Orlando
Insuring your vehicles can cost a lot, but you can get discounts that many consumers don't even know exist. Some discounts will apply at quote time, but once in a while a discount must be asked about before they will apply.
- Theft Deterrent - Cars and trucks with anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
- Use Seat Belts - Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
- Clubs and Organizations - Being in a civic or occupational organization in Orlando could qualify you for a break when shopping for auto insurance.
- Student Discount for Driver Training - Require your teen driver to participate in a local driver's education class in school or through a local driver safety program.
- Accident Forgiveness - This isn't a discount exactly, but some insurance companies will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free for a set time period.
- Defensive Driver Discount - Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
It's important to note that most discount credits are not given to the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, companies wouldn't make money that way. But any discount will cut your auto insurance premiums.
The chart below shows the difference between Ford F-150 auto insurance rates with and without discounts applied. The rate quotes are based on a male driver, no claims, a clean driving record, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, homeowner, safe-driver, and multi-policy discounts applied.
Companies and some of the premium reductions they offer are detailed below.
- Progressive may include discounts for continuous coverage, multi-policy, homeowner, online quote discount, good student, and online signing.
- GEICO has discounts for five-year accident-free, federal employee, defensive driver, air bags, and seat belt use.
- State Farm has savings for safe vehicle, good driver, passive restraint, driver's education, and multiple policy.
- Esurance may have discounts that include online quote, emergency road assistance, claim free, defensive driver, anti-lock brakes, and anti-theft.
- The Hartford offers premium reductions for good student, bundle, vehicle fuel type, anti-theft, defensive driver, and driver training.
Double check with every insurance company which discounts you may be entitled to. A few discounts might not be offered on policies in every state. For a list of companies who offer online Ford F-150 insurance quotes in Orlando, click this link.
When to talk to an agent
Certain consumers would prefer to sit down with an agent. Professional insurance agents can help you build your policy and help file insurance claims. The biggest benefit of comparing rates online is you may find lower rates and still have a local agent. And buying from local agents is especially important in Orlando.
To find an agent, once you fill out this short form, your information is instantly submitted to local insurance agents that can give you free Orlando car insurance quotes for your business. You don't have to find an agent because prices are sent directly to your email. If you have a need to get a price quote from one company in particular, you would need to jump over to their website and give them your coverage information.
Finding a good provider shouldn't rely on just a cheap price quote. Agents should be asked these questions:
- Does the agent recommend any additional coverage?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- How is replacement cost determined on your vehicle?
- Do they specialize in personal lines coverage in Orlando?
- Are they able to influence company decisions when a claim is filed?
- Do they offer claims assistance after hours?
Do I just need basic coverages?
When buying the right insurance coverage, there really is not a one-size-fits-all type of policy. Everyone's needs are different and your car insurance should be unique as well. These are some specific questions might help in determining if your insurance needs could use an agent's help.
- Is there coverage for injuries to my pets?
- Does coverage extend to Mexico or Canada?
- Is my business laptop covered if it gets stolen from my vehicle?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Does my liability insurance cover pulling a trailer or camper?
- I have a DUI can I still get coverage?
- Does my policy pay for OEM or aftermarket parts?
- Is my vehicle covered by my employer's policy when using it for work?
If you're not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and you can get the answers you need.
Detailed coverages of your car insurance policy
Knowing the specifics of car insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like chiropractic care, doctor visits, rehabilitation expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Ford F-150.
Since many Florida drivers only purchase the least amount of liability that is required (10/20/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.
Liability coverage provides protection from injuries or damage you cause to other people or property. 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 liability limits of 10/20/10 that means you have $10,000 in coverage for each person's injuries, a total of $20,000 of bodily injury coverage per accident, and property damage coverage for $10,000. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like pain and suffering, loss of income, medical expenses, court costs and repair bills for other people's vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible. Florida requires drivers to carry at least 10/20/10 but drivers should carry more liability than the minimum.
The chart below shows why buying the state minimum limits may not be high enough to cover claims.
Comprehensive auto coverage
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things like damage from flooding, vandalism and hitting a bird. The maximum amount your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.
Coverage for collisions
This covers damage to your F-150 resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as sideswiping another vehicle, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible on your F-150 to get cheaper collision coverage.
Cheap insurance rates are out there
When getting Orlando car insurance quotes online, make sure you don't sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.
Cost effective Ford F-150 insurance can be purchased from both online companies and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies may not offer rate quotes online and many times these smaller providers work with independent insurance agents.
Steps to finding better rates for Ford F-150 insurance in Orlando
To save the most money, the best way to get discount Ford F-150 insurance in Orlando is to start comparing rates regularly from different companies who can sell car insurance in Florida. Rates can be compared by following these guidelines.
Step 1: Try to understand how insurance companies determine prices and the things you can change to lower rates. Many things that cause high rates like speeding tickets, careless driving and a not-so-good credit rating can be amended by improving your driving habits or financial responsibility.
Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive or State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
Step 3: Compare the new rates to your existing rates to see if a cheaper price is available in Orlando. If you find better rates, make sure coverage does not lapse between policies.
Step 4: Tell your current company to cancel your current coverage. Submit payment along with a signed and completed policy application to the newly selected company. Once the paperwork is finalized, place your new certificate verifying proof of insurance along with the vehicle's registration papers.
A good tip to remember is to compare identical coverages on every quote request and and to get prices from as many different insurance providers as possible. This helps ensure an accurate price comparison and many rates to choose from.
For more information, feel free to browse the resources below:
- What Does No-Fault Insurance Cover? (Allstate)
- Who Has the Cheapest Orlando Auto Insurance for Drivers Over Age 50? (FAQ)
- How Much are Auto Insurance Rates for a Toyota Tundra in Orlando? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Nissan Altima in Orlando? (FAQ)
- Who Has Cheap Car Insurance for a Subaru Outback in Orlando? (FAQ)
- What Car Insurance is Cheapest for a Toyota Corolla in Orlando? (FAQ)
- Who Has the Cheapest Orlando Auto Insurance Quotes for a Ford F-150? (FAQ)
- How Much are Car Insurance Rates for Good Students in Orlando? (FAQ)
- Who Has Cheap Car Insurance Rates for Nurses in Orlando? (FAQ)
- How Much are Orlando Auto Insurance Quotes for Unemployed Drivers? (FAQ)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)