Searching for low-cost insurance for a new or used Ford F150 Pickup in Texas can turn out to be an all-consuming task, but you can use our car insurance buying tips and make it easy.
There is a better way to shop for car insurance so we’re going to tell you the quickest way to compare rates for your Ford and locate the lowest possible price from Houston insurance agents and online providers.
It’s a good habit to get comparison quotes before your policy renews because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best quotes for F150 pickup insurance at your last renewal the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because we’re going to show you how to use the internet to reduce your cost while increasing coverage.
Why Informed Drivers Pay Less for Ford F150 Pickup Insurance
Many different elements are part of the equation when you get your auto insurance bill. Most are fairly basic such as your driving history, but others are more obscure like where you live or your vehicle rating.
- How many miles do you drive? – The higher the mileage driven in a year’s time the higher the price you pay to insure it. Almost all companies charge rates based upon how the vehicle is primarily used. Autos that have low annual miles qualify for better rates than vehicles that are driven to work every day. Incorrect rating for your F150 Pickup may be wasting your money. Ask your agent if your car insurance coverage reflects the correct usage for each vehicle.
- Safer vehicles means better premiums – Vehicles with high crash test scores cost less to insure. Vehicles engineered for safety protect occupants better and fewer serious injuries translates directly to fewer claims which can result in lower premiums.
- Lower rates with a multi-policy discount – Most major insurance companies apply lower prices to buyers who carry more than one policy. It’s known as a multi-policy discount. The discount can add up to 10 percent or more. Even if you qualify for this discount already, drivers will still want to compare other company rates to confirm you are receiving the best rates possible. Drivers may still save even more by buying from different companies
- Expect high rates for teens – Mature drivers are more responsible, tend to file fewer claims and are safer drivers.Young drivers tend to be inattentive when behind the wheel therefore car insurance rates are much higher.
- Never let your car insurance policy lapse – Driving without insurance is against the law and car insurance companies will penalize you for letting your insurance lapse for non-payment. In addition to paying higher premiums, being ticketed for driving with no insurance will get you a steep fine or even jail time. You may have to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department.
- Deter theft and pay less – Purchasing a vehicle with a theft deterrent system can help bring down rates. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft.
To get , there a variety of ways of comparing rates from lots of Texas car insurance companies. The quickest method to find the cheapest insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- The recommended way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do multiple quote forms for every company. A single, simple form compares rates from many national carriers. Just one form and you’re done.
- A harder way to compare rate quotes consists of going to the website for each individual company and complete a new quote form. For sake of this example, let’s say you want to compare GEICO, Safeco and Liberty Mutual. To get each rate you have to spend time on each company’s site and punch in your information repeatedly, which is why first method is reommended. For a list of companies in Houston, click here.
Compare rates however you want, just make sure you use equivalent quote information for every company. If you are comparing differing limits you will not be able to truly determine the lowest rate in Houston. Slightly different insurance coverages can make a big difference in price. And when comparing car insurance rates, know that comparing a wide range of rates helps you find more affordable rates.
Car insurance discounts help lower rates
Car insurance can cost a lot, but there are discounts available that many consumers don’t even know exist. Many of these discounts will be applied automatically when you quote, but some may not be applied and must be inquired about before you get the savings.
- E-sign Discounts
- Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. Ten percent is about the average savings.
- Anti-lock Brakes – Cars with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
- Anti-theft Discount – Cars with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
- Drive Less and Save – Maintaining low annual mileage may allow you to get discounted premium rates on garaged vehicles.
A quick disclaimer, most discount credits are not given the the whole policy. Most cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, it’s just not the way it works.
To view providers that offer the discounts shown above in Houston, follow this link.
Which is the best car insurance?
When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.
For instance, these questions may help you determine if you would benefit from an agent’s advice.
- When would I need additional glass coverage?
- What is covered by UM/UIM coverage?
- When do I need to add a new car to my policy?
- Where can I get insurance after a DUI in Texas?
- Does my liability insurance cover pulling a trailer or camper?
- Should I drop comprehensive coverage on older vehicles?
- Will I lose any money if I cancel my policy before it expires?
- When should I not file a claim?
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.
Additional information is available on the website for the Texas Department of Insurance through this link. Texas consumers can view a list of available companies, report car insurance fraud, read industry bulletins, and read enforcement actions against agents and companies.
The following information may also be useful.
Better coverage you can count on
In this article, we covered many tips how you can save on Ford F-150 insurance in Houston. The key concept to understand is the more times you quote, the better likelihood of getting . You may even discover the biggest savings come from some of the lesser-known companies.
Discount Ford F150 Pickup insurance can be bought both online and also from your neighborhood Houston agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers don’t offer rate quotes online and most of the time these small insurance companies sell through independent agents.
As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There have been many cases where an insured cut full coverage and discovered at claim time that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at the best price, but do not skimp to save money.