Really, the only way to find affordable quotes for car insurance rates is to compare prices annually from providers that sell auto insurance in Arlington.
- Spend some time learning about how insurance companies determine prices and the things you can change to keep rates down. Many risk factors that result in higher rates like accidents, traffic violations, and a not-so-good credit score can be amended by making minor changes in your lifestyle. Continue reading for more ideas to get low prices and earn larger discounts.
- Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes from many different companies. Click to view companies
- Compare the new rate quotes to your current policy and determine if there is any savings. If you find a better price and buy the policy, ensure coverage does not lapse between policies.
A valuable tip to remember is to use the same amount of coverage on every quote and and to get quotes from as many car insurance companies as possible. Doing this ensures an accurate price comparison and a thorough selection of prices.
Statistics show that over 70% of drivers have stayed with the same insurance company for a minimum of four years, and nearly half have never compared rates from other carriers. The average driver in Arlington could save themselves $1,770 a year by just comparing rate quotes, but they underestimate how much savings they would realize if they switch to a new company.
To find the cheapest Ford F-150 rate quotes, there are several ways of comparing rates from different Arlington insurance companies. The easiest way to compare rates is to use the internet to compare rates. When price shopping your coverage, making a lot of price comparisons helps improve the odds of finding more affordable rates. Some smaller insurers do not give rate quotes online, so it’s important to also get quotes from them, too.
The companies shown below are ready to provide price comparisons in Texas. If you want to find the best auto insurance in Texas, we suggest you compare several of them to find the cheapest car insurance rates.
Rate information and statistics
The premium information displayed below showcases a range of insurance premium costs for Ford F-150 models. Learning how rates are established can be valuable when making smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$180||$252||$430||$26||$128||$1,016||$85|
|F-150 STX Regular Cab 2WD||$180||$322||$430||$26||$128||$1,086||$91|
|F-150 XL Super Cab 2WD||$180||$322||$430||$26||$128||$1,086||$91|
|F-150 XLT Regular Cab 2WD||$180||$322||$430||$26||$128||$1,086||$91|
|F-150 STX Super Cab 2WD||$180||$322||$430||$26||$128||$1,086||$91|
|F-150 XL Crew Cab 2WD||$206||$322||$430||$26||$128||$1,112||$93|
|F-150 XLT Super Cab 2WD||$206||$322||$430||$26||$128||$1,112||$93|
|F-150 STX Regular Cab 4WD||$206||$322||$430||$26||$128||$1,112||$93|
|F-150 XL Regular Cab 4WD||$206||$322||$430||$26||$128||$1,112||$93|
|F-150 FX2 Super Cab 2WD||$206||$322||$430||$26||$128||$1,112||$93|
|F-150 XLT Crew Cab 2WD||$206||$322||$430||$26||$128||$1,112||$93|
|F-150 XL Super Cab 4WD||$206||$322||$430||$26||$128||$1,112||$93|
|F-150 XLT Regular Cab 4WD||$206||$322||$430||$26||$128||$1,112||$93|
|F-150 XL Crew Cab 4WD||$232||$322||$430||$26||$128||$1,138||$95|
|F-150 STX Super Cab 4WD||$232||$322||$430||$26||$128||$1,138||$95|
|F-150 XLT Super Cab 4WD||$232||$322||$430||$26||$128||$1,138||$95|
|F-150 FX2 2WD||$232||$392||$430||$26||$128||$1,208||$101|
|F-150 Lariat Super Cab 2WD||$232||$392||$430||$26||$128||$1,208||$101|
|F-150 Lariat Crew Cab 2WD||$232||$392||$430||$26||$128||$1,208||$101|
|F-150 FX4 Super Cab 4WD||$232||$392||$430||$26||$128||$1,208||$101|
|F-150 XLT Crew Cab 4WD||$232||$392||$430||$26||$128||$1,208||$101|
|F-150 FX4 4WD||$232||$392||$430||$26||$128||$1,208||$101|
|F-150 Lariat Crew Cab 4WD||$232||$392||$430||$26||$128||$1,208||$101|
|F-150 SVT Raptor Super Cab 4WD||$232||$392||$430||$26||$128||$1,208||$101|
|F-150 Lariat Super Cab 4WD||$232||$392||$430||$26||$128||$1,208||$101|
|F-150 Lariat Crew Cab Platinum 2WD||$232||$462||$430||$26||$128||$1,278||$107|
|F-150 Lariat Crew Cab Harley 2WD||$232||$462||$430||$26||$128||$1,278||$107|
|F-150 Lariat King Ranch 2WD||$232||$462||$430||$26||$128||$1,278||$107|
|F-150 Lariat King Ranch 4WD||$258||$462||$430||$26||$128||$1,304||$109|
|F-150 Lariat Crew Cab Harley 4WD||$258||$462||$430||$26||$128||$1,304||$109|
|F-150 Lariat Crew Cab Platinum 4WD||$258||$462||$430||$26||$128||$1,304||$109|
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price information does not factor in vehicle location which can decrease or increase auto insurance rates noticeably.
The illustration below illustrates how choosing a deductible and can increase or decrease Ford F-150 yearly insurance costs for different insured age categories. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Ford F-150 insurance premiums by gender
The chart below visualizes the comparison of Ford F-150 premium costs for male and female drivers. The costs are based on no claims or driving citations, full physical damage coverage, $250 deductibles, single status, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The illustration below illustrates the comparison of Ford F-150 premium costs with liability coverage only compared to full coverage. The prices are based on no accidents, no driving violations, $250 deductibles, single status, and no discounts are applied.
Are you wasting money paying for full coverage?
There is no set guideline that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s pretend your Ford F-150 claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying the physical damage deductible. If it’s costing you more than $500 a year for full coverage, then it could be time to drop full coverage.
There are some cases where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Why you need Ford vehicle insurance in Texas
Even though it can be expensive, auto insurance serves several important purposes.
- Almost all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability protection in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Ford, almost every bank will stipulate that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Ford at a significantly higher premium and make you pay for the expensive policy.
- Auto insurance preserves not only your Ford F-150 but also your assets. It will also provide coverage for medical transport and hospital expenses incurred in an accident. Liability insurance will also pay to defend you in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of insuring your F-150 definitely exceed the cost, particularly if you ever have a claim. On average, a vehicle owner in Arlington overpays more than $750 every year so you should quote your policy with other companies at every policy renewal to save money.
What insurance coverages do you need?
Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Uninsured Motorist or Underinsured Motorist insurance
This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many Texas drivers only carry the minimum required liability limits (which is 30/60/25), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for dental work, hospital visits, ambulance fees and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
This can cover injuries or damage you cause to other’s property or people that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 30/60/25 that translate to $30,000 bodily injury coverage, a total of $60,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for claims such as repair bills for other people’s vehicles, repair costs for stationary objects, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Texas state law requires minimum liability limits of 30/60/25 but drivers should carry higher limits.
The illustration below demonstrates why low liability limits may not be adequate coverage.
Collision coverage will pay to fix damage to your F-150 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as driving through your garage door, rolling your car, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible on your F-150 in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like falling objects, damage from getting keyed and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.