How many times have you put off comparing quotes for more competitive Ford F-150 insurance in Montgomery? Having to pay for overpriced Ford F-150 insurance in Montgomery can drain your bank account and force you to prioritize other expenses. Comparison shopping can save money and help to cut your insurance bill.
A recent NerdWallet.com study revealed that the majority of drivers kept their coverage with the same insurance company for over three years, and roughly 40% of drivers have never shopped around. Alabama insurance shoppers could cut their rates by $500 a year just by comparing rates, but they underestimate how much money they would save if they bought a different policy.
People have many insurers to pick from, and even though it's nice to be able to choose, more choices can make it harder to compare company pricing for Ford F-150 insurance in Montgomery.
You should make it a habit to do rate comparisons yearly because prices tend to go up over time. Just because you had the best price on Ford F-150 insurance in Montgomery a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because you're about to learn the fastest and easiest way to find great coverage at a great price.
Save with these price cutting discounts
Car insurance can be pricey, but there could be significant discounts that may help make it more affordable. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be asked about in order for you to get them. If you aren't receiving every discount you qualify for, you are throwing money away.
- Student in College - Youth drivers who live away from home to go to college and do not have a car may be able to be covered for less.
- Discount for Multiple Policies - If you can bundle your home and auto insurance with one company you will save over 10 percent off each policy depending on the company.
- Defensive Driving Course - Successfully completing a course in defensive driving may get you a small discount and also improve your driving technique.
- Homeowners Savings - Being a homeowner can help you save on car insurance because maintaining a house is proof that your finances are in order.
- Senior Citizens - Mature drivers may qualify for a small discount on rates.
You can save money using discounts, but some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like having all the discounts means you get insurance for free, that's just not realistic. But any discount will bring down your policy premiums.
A list of companies and the discounts they provide are included below.
- State Farm discounts include accident-free, driver's education, defensive driving training, good student, multiple policy, and multiple autos.
- GEICO may include discounts for multi-policy, driver training, military active duty, federal employee, and anti-lock brakes.
- Progressive offers premium reductions for continuous coverage, good student, homeowner, multi-policy, online signing, and online quote discount.
- 21st Century policyholders can earn discounts including anti-lock brakes, teen driver, homeowners, defensive driver, student driver, and good student.
- American Family offers discounts including bundled insurance, air bags, defensive driver, Steer into Savings, accident-free, multi-vehicle, and early bird.
- The Hartford has savings for driver training, anti-theft, bundle, good student, defensive driver, air bag, and vehicle fuel type.
- AAA may have discounts that include good student, pay-in-full, education and occupation, multi-car, and multi-policy.
When getting a coverage quote, ask every insurance company the best way to save money. Some of the earlier mentioned discounts may not apply to policyholders everywhere. If you would like to choose from a list of car insurance companies who offer cheap Ford F-150 insurance quotes in Montgomery, follow this link.
To find cheaper Montgomery car insurance quotes, there are several ways to obtain and compare prices from many different Alabama insurance companies. The best method to comparison shop is to use the internet to compare rates.
Getting free price quotes online is quite simple, and it replaces the need to drive around to local insurance agencies. Buying insurance online has reduced the need for local agents unless you want the extra assistance of an agent trained in personal lines coverage. If you prefer, some companies allow you to comparison shop online but buy from a local insurance agent. When comparison shopping, more quotes increases your odds of finding a better price. Not every company provides online rate quotes, so it's important to also get price quotes from the smaller companies as well.
The companies shown below are our best choices to provide price comparisons in Alabama. If multiple companies are shown, we recommend you click on several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$134||$200||$438||$26||$132||$930||$78|
|F-150 STX Regular Cab 2WD||$228||$360||$338||$20||$100||$1,046||$87|
|F-150 XL Super Cab 2WD||$242||$486||$438||$26||$132||$1,324||$110|
|F-150 XLT Regular Cab 2WD||$252||$430||$338||$20||$100||$1,140||$95|
|F-150 STX Super Cab 2WD||$178||$306||$324||$20||$96||$924||$77|
|F-150 XL Crew Cab 2WD||$284||$496||$408||$24||$122||$1,334||$111|
|F-150 XLT Super Cab 2WD||$138||$222||$354||$20||$106||$840||$70|
|F-150 STX Regular Cab 4WD||$156||$222||$344||$20||$102||$844||$70|
|F-150 XL Regular Cab 4WD||$126||$192||$324||$20||$96||$758||$63|
|F-150 FX2 Super Cab 2WD||$260||$360||$338||$20||$100||$1,078||$90|
|F-150 XLT Crew Cab 2WD||$164||$242||$318||$18||$94||$836||$70|
|F-150 XL Super Cab 4WD||$236||$358||$456||$26||$136||$1,212||$101|
|F-150 XLT Regular Cab 4WD||$260||$360||$338||$20||$100||$1,078||$90|
|F-150 XL Crew Cab 4WD||$268||$332||$348||$20||$104||$1,072||$89|
|F-150 STX Super Cab 4WD||$140||$188||$318||$18||$94||$758||$63|
|F-150 XLT Super Cab 4WD||$166||$208||$348||$20||$104||$846||$71|
|F-150 FX2 2WD||$156||$270||$354||$20||$106||$906||$76|
|F-150 Lariat Super Cab 2WD||$282||$514||$382||$22||$114||$1,314||$110|
|F-150 Lariat Crew Cab 2WD||$234||$408||$408||$24||$122||$1,196||$100|
|F-150 FX4 Super Cab 4WD||$142||$234||$324||$20||$96||$816||$68|
|F-150 XLT Crew Cab 4WD||$234||$408||$408||$24||$122||$1,196||$100|
|F-150 FX4 4WD||$272||$354||$442||$26||$132||$1,226||$102|
|F-150 Lariat Crew Cab 4WD||$318||$514||$344||$20||$102||$1,298||$108|
|F-150 SVT Raptor Super Cab 4WD||$268||$404||$348||$20||$104||$1,144||$95|
|F-150 Lariat Super Cab 4WD||$286||$430||$344||$20||$102||$1,182||$99|
|F-150 Lariat Crew Cab Platinum 2WD||$252||$508||$354||$20||$106||$1,240||$103|
|F-150 Lariat Crew Cab Harley 2WD||$272||$418||$442||$26||$132||$1,290||$108|
|F-150 Lariat King Ranch 2WD||$314||$698||$438||$26||$132||$1,608||$134|
|F-150 Lariat King Ranch 4WD||$208||$354||$324||$20||$96||$1,002||$84|
|F-150 Lariat Crew Cab Harley 4WD||$262||$480||$408||$24||$122||$1,296||$108|
|F-150 Lariat Crew Cab Platinum 4WD||$230||$430||$382||$22||$114||$1,178||$98|
|Get Your Own Custom Quote Go|
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific Montgomery garaging location which can revise prices significantly.
Careless drivers pay higher rates
The information below shows how traffic citations and at-fault accidents raise Ford F-150 insurance premiums for each age group. The data is based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
Rate comparison of male drivers versus female drivers
The example below illustrates the difference between Ford F-150 auto insurance costs for male and female drivers. The prices are based on no violations or claims, comp and collision included, $500 deductibles, drivers are single, and no other discounts are factored in.
How much more does full coverage cost?
The diagram below shows the comparison of Ford F-150 annual premium costs with full coverage compared to only the Alabama minimum liability coverage. The information is based on no claims or violations, $250 deductibles, single female driver, and no discounts are taken into consideration.
When to stop buying comprehensive and collision coverage
There is no set guideline to stop buying physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let's pretend your Ford F-150 book value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after paying your deductible. If premiums are more than $700 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are some situations where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Auto insurance is available from local insurance agents
A small number of people would rather get advice from a local agent and that is a smart decision One of the great benefits of comparing auto insurance online is that drivers can save money and get the best rates and still buy from a local agent.
To make it easy to find an agent, after completing this quick form, your coverage information is sent to local insurance agents in Montgomery that can provide free Montgomery car insurance quotes to get your business. There is no need to drive around since rate quotes are delivered directly to you. It's the lowest rates without having to waste a lot of time. If you want to get a price quote from a specific insurance company, just find their quoting web page and complete a quote there.
Finding the right insurance company requires more thought than just the quoted price. These are some questions you should get answers to.
- Are they properly licensed to sell insurance in Alabama?
- Does the company have a local claim office in Montgomery?
- How would your car be valued if totalled?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do the coverages you're quoting properly cover your vehicle?
Shown below are Montgomery car insurance companies that can give you rate quotes for Ford F-150 insurance in Montgomery.
A little work can save a LOT of money
In this article, we presented some good ideas how to shop for Ford F-150 insurance online. The most important thing to understand is the more quotes you get, the better chance you'll have of finding the cheapest Ford F-150 rate quotes. Drivers may even discover the biggest savings come from some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.
As you go through the steps to switch your coverage, it's not a good idea to reduce needed coverages to save money. Too many times, an insured dropped physical damage coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.
Much more information about car insurance in Alabama is available below:
- Child Safety FAQ (iihs.org)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Rental Car Insurance Tips (Insurance Information Institute)