How to Compare Birmingham Ford F-150 Insurance

Insurance quote for Ford F-150 in BirminghamDo you want a faster way to compare more competitive Ford F-150 insurance in Birmingham? Are you at wits end from trying to scrape together enough money to buy car insurance? You are in the same boat as most other people in Alabama.

Unfortunately, over 70% of consumers renewed their policy with the same company for a minimum of four years, and just short of a majority have never even compared quotes to find cheaper rates. Many consumers in Birmingham could save $490 every year, but they just don't want to shop their coverage around. Multiple auto insurance companies compete to insure your vehicles, so it can be very hard to choose a company and uncover the absolute lowest cost out there.

It's smart to get comparison quotes as often as possible due to the fact that insurance prices are rarely the same from one policy term to another. Just because you had the best quotes on Ford F-150 insurance in Birmingham on your last policy you can probably find a lower rate today. You can search a lot of F-150 insurance on the web, but by reading this article, you're going to learn some excellent ideas to put money back in your pocket.

Companies offering cheap Ford F-150 prices in Birmingham, AL

The companies shown below are ready to provide price quotes in Birmingham, AL. If more than one company is shown, it's highly recommended you click on several of them in order to get a fair rate comparison.

Ford F-150 Insurance Rates in Birmingham, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
F-150 XL Regular Cab 2WD $206 $260 $348 $20 $104 $938 $78
F-150 STX Regular Cab 2WD $120 $222 $382 $22 $114 $860 $72
F-150 XL Super Cab 2WD $156 $280 $456 $26 $136 $1,054 $88
F-150 XLT Regular Cab 2WD $196 $354 $382 $22 $114 $1,068 $89
F-150 STX Super Cab 2WD $218 $422 $354 $20 $106 $1,120 $93
F-150 XL Crew Cab 2WD $146 $208 $348 $20 $104 $826 $69
F-150 XLT Super Cab 2WD $284 $496 $408 $24 $122 $1,334 $111
F-150 STX Regular Cab 4WD $226 $366 $324 $20 $96 $1,032 $86
F-150 XL Regular Cab 4WD $156 $222 $344 $20 $102 $844 $70
F-150 FX2 Super Cab 2WD $160 $228 $338 $20 $100 $846 $71
F-150 XLT Crew Cab 2WD $182 $300 $382 $22 $114 $1,000 $83
F-150 XL Super Cab 4WD $192 $268 $348 $20 $104 $932 $78
F-150 XLT Regular Cab 4WD $250 $422 $382 $22 $114 $1,190 $99
F-150 XL Crew Cab 4WD $314 $486 $438 $26 $132 $1,396 $116
F-150 STX Super Cab 4WD $206 $286 $354 $20 $106 $972 $81
F-150 XLT Super Cab 4WD $232 $286 $344 $20 $102 $984 $82
F-150 FX2 2WD $142 $234 $324 $20 $96 $816 $68
F-150 Lariat Super Cab 2WD $230 $400 $438 $26 $132 $1,226 $102
F-150 Lariat Crew Cab 2WD $142 $234 $324 $20 $96 $816 $68
F-150 FX4 Super Cab 4WD $156 $270 $382 $22 $114 $944 $79
F-150 XLT Crew Cab 4WD $374 $524 $442 $26 $132 $1,498 $125
F-150 FX4 4WD $174 $312 $438 $26 $132 $1,082 $90
F-150 Lariat Crew Cab 4WD $206 $348 $354 $20 $106 $1,034 $86
F-150 SVT Raptor Super Cab 4WD $234 $408 $408 $24 $122 $1,196 $100
F-150 Lariat Super Cab 4WD $266 $436 $456 $26 $136 $1,320 $110
F-150 Lariat Crew Cab Platinum 2WD $282 $606 $354 $20 $106 $1,368 $114
F-150 Lariat Crew Cab Harley 2WD $140 $270 $318 $18 $94 $840 $70
F-150 Lariat King Ranch 2WD $282 $606 $354 $20 $106 $1,368 $114
F-150 Lariat King Ranch 4WD $364 $636 $456 $26 $136 $1,618 $135
F-150 Lariat Crew Cab Harley 4WD $358 $710 $408 $24 $122 $1,622 $135
F-150 Lariat Crew Cab Platinum 4WD $206 $346 $318 $18 $94 $982 $82
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in specific garaging location which can impact premium rates significantly.

Physical damage deductibles

The chart below illustrates how choosing a deductible and can impact Ford F-150 insurance rates for each different age category. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are applied.

Ford F-150 Insurance Premiums Can Be Cheaper

Multiple criteria are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving record, but other criteria are less apparent such as your credit history or how safe your car is.

Lower-cost Ford F-150 insurance quotes in Birmingham

Insurance can cost an arm and a leg, but discounts can save money and there are some available to cut the cost considerably. Many discounts should be triggered at the time of quoting, but lesser-known reductions have to be requested specifically before you get the savings. If you do not check that you are getting every discount you qualify for, you're just leaving money on the table.Cheaper insurance with discounts

Don't be shocked that some of the credits will not apply to the whole policy. Some only reduce individual premiums such as comp or med pay. So even though you would think adding up those discounts means a free policy, company stockholders wouldn't be very happy.

Larger insurance companies and a summarized list of policyholder discounts are outlined below.

When quoting, ask each company the best way to save money. Some of the earlier mentioned discounts may not be available in every state. To view insurance companies that provide some of the discounts listed above in Alabama, click here.

When to contact an insurance agency

Many drivers still prefer to talk to a local agent and that can be a smart move Agents can help you build your policy and help submit paperwork. One of the benefits of comparing rate quotes online is you may find better rates and still choose a local agent.

Find insurance agent in BirminghamFor easy comparison, once you complete this quick form, your coverage information gets sent to agents in your area that can provide free Birmingham car insurance quotes for your insurance coverage. You never need to visit any agencies since rate quotes are delivered directly to your email. If you have a need to get a rate quote for a specific company, just search and find their rate quote page and complete a quote there.

Picking an insurance company shouldn't rely on just a cheap price quote. Ask your prospective agent these questions:

Two different types of car insurance agents

When searching for a reliable agent, it can be helpful to understand the types of agencies that you can choose from. Insurance agents in Birmingham can be described as either independent agents or exclusive agents depending on their employer. Both can sell affordable insurance policies, but it's worth learning how they differ since it may influence your selection of an agent.

Exclusive Agents

Agents that choose to be exclusive work for only one company such as Allstate, State Farm and Farm Bureau. They usually cannot provide rate quotes from other companies so always compare other rates. Exclusive agents are well schooled on the products they sell which helps them sell on service rather than price.

Shown below are Birmingham exclusive agencies who may provide you with rate quotes.

334 6th Ave S - Birmingham, AL 35205 - (205) 325-1745 - View Map

5950 Chalkville Mountain Rd Ste 114 - Birmingham, AL 35235 - (205) 655-7222 - View Map

1305 4th Ave S - Birmingham, AL 35233 - (205) 714-7300 - View Map

More insurance agents

Independent Agencies or Brokers

Agents that choose to be independent are not restricted to one company and that enables them to quote your coverage with an assortment of companies and find the cheapest rate. If they find a lower price, they simply move your policy to a different company and the insured can keep the same agent.

When searching for an agent, you need to include rate quotes from several independent insurance agents to have the most options to choose from.

Listed below are Birmingham independent insurance agents who can help you get rate quotes.

2700 Rogers Dr #106 - Homewood, AL 35209 - (205) 410-3988 - View Map

3232 Cahaba Heights Rd - Birmingham, AL 35243 - (205) 871-9101 - View Map

Birmingham Alabama Life Insurance
600 Luckie Dr #305 - Birmingham, AL 35223 - (205) 268-5008 - View Map

More insurance agents

The auto insurance bait and switch

Consumers can't escape the ads that promise big savings by companies like State Farm, GEICO and Progressive. All the ads advertise the message that drivers can save some big amount after switching your coverage.

Is it even possible that every company can have lower policy pricing? It's all in how they say it.

All the different companies offer their best rates for the right customer they prefer to insure. For instance, a desirable insured might have to be a married male, has a clean driving record, and drives less than 7,500 miles a year. Any driver that matches those criteria may get the lowest car insurance rates in Birmingham and as a result will probably save a lot on Birmingham Ford F-150 insurance if they switch.

Potential customers who may not quite match those criteria must pay higher rates and ends up with the customer not buying. The trick is to say "drivers who switch" not "everyone who quotes" save that kind of money. That's why companies can truthfully make claims that they all have the best car insurance rates. Because each company has a different risk profile, you need to quote coverage with many companies. It is just not possible to predict with any certainty which company will be your best fit.

Do I just need basic coverages?

When selecting coverage, there really is not a perfect coverage plan. Your needs are unique to you.Higher deductibles save money

For example, these questions might point out whether you will benefit from professional help.

If you're not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, free and may give you better protection.

Compare rates regularly to save

As you prepare to switch companies, it's not a good idea to skimp on coverage in order to save money. Too many times, someone sacrificed liability coverage limits only to regret at claim time that they should have had better coverage. Your goal is to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

Throughout this article, we presented a lot of techniques to shop for Ford F-150 insurance online. The key thing to remember is the more you quote Birmingham car insurance, the better your comparison will be. Consumers may even find the best prices are with some of the lesser-known companies.

Cheaper Ford F-150 insurance in Birmingham is attainable online in addition to many Birmingham insurance agents, so you need to quote Birmingham car insurance with both to have the best selection. Some auto insurance companies may not offer rates over the internet and these regional insurance providers work with local independent agencies.

For more information, take a look at the resources below: