Want to know an easy way to compare lower-priced Ford F-150 insurance in San Antonio? Paying for high-priced Ford F-150 insurance in San Antonio can bottom out your personal savings and possibly require postponing other expenditures. Doing a price comparison is a smart way to make ends meet.
It’s shocking but nearly 70% of customers have been with the same company for a minimum of four years, and 38% of drivers have never shopped around. Texas insurance shoppers could save almost 70% every year by just comparing quotes, but they just assume it takes a lot of time to compare rates online.
Many insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers and uncover the absolute cheapest price on Ford F-150 insurance in San Antonio.
It’s a good habit to compare premium rates at least once a year because auto insurance prices go up and down regularly. Just because you had the best deal on Ford F-150 insurance in San Antonio six months ago you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to teach you one of the easiest ways to lower your annual insurance bill.
If you have coverage now, you will most likely be able to lower your rates using the ideas covered in this article. Locating the best rates in San Antonio is not rocket science. Although Texas drivers can benefit from knowing the methods companies use to market on the web and apply this information to your search.
All the larger auto insurance companies such as State Farm and Allstate provide pricing directly from their websites. Comparing prices online for Ford F-150 insurance in San Antonio is pretty painless as all you need to do is type in your coverage preferences as detailed in the form. Once you submit the form, their quoting system pulls your driving record and credit report and provides a quote. Being able to quote online for Ford F-150 insurance in San Antonio makes it simple to compare prices and it’s also necessary to perform this step if you want to get the most affordable premium possible.
To quickly find out what other companies charge, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you enter deductibles and limits exactly as they are listed on your policy. Doing this assures you will have a rate comparison based on similar coverages.
The companies shown below provide free quotes in Texas. If multiple companies are listed, we suggest you click on several of them in order to get a fair rate comparison.
Get affordable rates by taking advantage of discounts
Companies offering auto insurance do not list every possible discount very clearly, so the following list contains a few of the more well known as well as some of the hidden discounts that you may qualify for.
- No Claims – Drivers who don’t have accidents pay much less as opposed to bad drivers.
- Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.
- Military Rewards – Being on active duty in the military could qualify you for better prices.
- Accident Forgiveness – This one is not really a discount per se, but companies like State Farm and GEICO permit an accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
- Smart Student Discounts – This discount may save as much as 25% on a San Antonio auto insurance quote. Earning this discount can benefit you well after school through age 25.
- Low Mileage Discounts – Driving fewer miles could qualify for cheaper rates.
- Defensive Driver Discount – Participating in a driver safety class could possibly earn you a 5% discount and easily pay for the cost of the class.
- Driver’s Ed – Teen drivers should complete a driver education course as it will make them better drivers and lower rates.
- Professional Memberships – Joining qualifying employment or professional organizations is a good way to get lower rates when getting a San Antonio auto insurance quote.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the medical payments premium.
Policy discounts save money, but most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. But any discount should definitely cut your policy premiums.
The chart below shows the difference between Ford F-150 insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no violations or accidents, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-car, multi-policy, and homeowner discounts applied.
Some of the insurance companies who may offer many of the previously listed discounts are:
If you are trying to find cheaper San Antonio auto insurance quotes, ask each insurance company to give you their best rates. Some discounts listed above may not be available in San Antonio. If you would like to choose from a list of providers who offer free Ford F-150 insurance quotes in Texas, click here to view.
Analysis of Ford F-150 rates
The table displayed next outlines estimates of coverage costs for Ford F-150 models. Understanding how insurance policy rates are determined is important for you to make informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-150 XL Regular Cab 2WD||$180||$200||$500||$30||$150||$1,060||$88|
|F-150 STX Regular Cab 2WD||$180||$256||$500||$30||$150||$1,116||$93|
|F-150 XL Super Cab 2WD||$180||$256||$500||$30||$150||$1,116||$93|
|F-150 XLT Regular Cab 2WD||$180||$256||$500||$30||$150||$1,116||$93|
|F-150 STX Super Cab 2WD||$180||$256||$500||$30||$150||$1,116||$93|
|F-150 XL Crew Cab 2WD||$208||$256||$500||$30||$150||$1,144||$95|
|F-150 XLT Super Cab 2WD||$208||$256||$500||$30||$150||$1,144||$95|
|F-150 STX Regular Cab 4WD||$208||$256||$500||$30||$150||$1,144||$95|
|F-150 XL Regular Cab 4WD||$208||$256||$500||$30||$150||$1,144||$95|
|F-150 FX2 Super Cab 2WD||$208||$256||$500||$30||$150||$1,144||$95|
|F-150 XLT Crew Cab 2WD||$208||$256||$500||$30||$150||$1,144||$95|
|F-150 XL Super Cab 4WD||$208||$256||$500||$30||$150||$1,144||$95|
|F-150 XLT Regular Cab 4WD||$208||$256||$500||$30||$150||$1,144||$95|
|F-150 XL Crew Cab 4WD||$234||$256||$500||$30||$150||$1,170||$98|
|F-150 STX Super Cab 4WD||$234||$256||$500||$30||$150||$1,170||$98|
|F-150 XLT Super Cab 4WD||$234||$256||$500||$30||$150||$1,170||$98|
|F-150 FX2 2WD||$234||$312||$500||$30||$150||$1,226||$102|
|F-150 Lariat Super Cab 2WD||$234||$312||$500||$30||$150||$1,226||$102|
|F-150 Lariat Crew Cab 2WD||$234||$312||$500||$30||$150||$1,226||$102|
|F-150 FX4 Super Cab 4WD||$234||$312||$500||$30||$150||$1,226||$102|
|F-150 XLT Crew Cab 4WD||$234||$312||$500||$30||$150||$1,226||$102|
|F-150 FX4 4WD||$234||$312||$500||$30||$150||$1,226||$102|
|F-150 Lariat Crew Cab 4WD||$234||$312||$500||$30||$150||$1,226||$102|
|F-150 SVT Raptor Super Cab 4WD||$234||$312||$500||$30||$150||$1,226||$102|
|F-150 Lariat Super Cab 4WD||$234||$312||$500||$30||$150||$1,226||$102|
|F-150 Lariat Crew Cab Platinum 2WD||$234||$368||$500||$30||$150||$1,282||$107|
|F-150 Lariat Crew Cab Harley 2WD||$234||$368||$500||$30||$150||$1,282||$107|
|F-150 Lariat King Ranch 2WD||$234||$368||$500||$30||$150||$1,282||$107|
|F-150 Lariat King Ranch 4WD||$260||$368||$500||$30||$150||$1,308||$109|
|F-150 Lariat Crew Cab Harley 4WD||$260||$368||$500||$30||$150||$1,308||$109|
|F-150 Lariat Crew Cab Platinum 4WD||$260||$368||$500||$30||$150||$1,308||$109|
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium costs do not factor in garaging location in San Antonio which can change coverage rates significantly.
Auto insurance premiums based on gender
The illustration below illustrates the difference between Ford F-150 auto insurance costs for male and female drivers. The prices are based on no violations or accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Local San Antonio insurance agencies
A lot of people still prefer to have an agent’s advice and that can be a great decision An additional benefit of comparing rates online is you may find cheap rate quotes and still buy from a local agent. Buying from small agencies is especially important in San Antonio.
To make it easy to find an agent, after completing this simple form, the quote information is transmitted to agents in your area who can give free rate quotes for your coverage. You won’t need to find an agent since rate quotes are delivered instantly to you. You can get cheaper car insurance rates and a licensed agent to work with. If you have a need to quote rates from a particular provider, just search and find their rate quote page and submit a quote form there.
When researching a good San Antonio insurance agent, it helps to know the two different types of agencies and how they differ in how they can insure your vehicles. Car insurance agencies can be classified as either independent agents or exclusive agents.
Independent Car Insurance Agents (or Brokers)
Agents that choose to be independent are not limited to a single company so they can insure your vehicles with many different companies and get the cheapest rates. If prices rise, the agent simply finds a different carrier which requires no work on your part. If you need lower rates, it’s recommended you get some free quotes from independent agents to ensure the widest selection of prices.
Below are San Antonio independent insurance agencies who can help you get free price quotes.
Legion Insurance Agency
5309 Wurzbach Rd – San Antonio, TX 78230 – (210) 693-1501 – View Map
Exclusive Car Insurance Agents
Agents that choose to be exclusive generally can only insure with one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. Exclusive agents are very knowledgeable on sales techniques and that enables them to sell even at higher rates.
The following is a list of exclusive insurance agents in San Antonio who can help you get rate quotes.
Finding a good car insurance agent is decision based upon more than just a cheap quote. Below are some questions you should ask.
- Is vehicle damage repaired with OEM or aftermarket parts?
- Will your rates increase after a single accident?
- How would your car be valued if totaled?
- Does the agency have a good rating with the Better Business Bureau?
- Are they actively involved in the community?
- Do the coverages you’re quoting properly cover your vehicle?
Learn How to Get Car Insurance at a Discount
Many different elements are taken into consideration when you get a price on insurance. Some factors are common sense such as your driving record, although some other factors are more transparent like your continuous coverage or your commute time.
Responsible credit equals lower premiums – A driver’s credit score can be an important factor in determining premium rates. If your credit history is low, you could be paying less to insure your Ford F-150 by improving your rating. People with very high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit.
Insurance claims cost money – Insurance companies in Texas generally give cheaper rates to insureds who are not frequent claim filers. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Auto insurance is designed for claims that you cannot pay yourself.
Drive less and save – The more you drive annually the more you’ll pay to insure it. Most insurance companies price each vehicle’s coverage partially by how you use the vehicle. Autos used primarily for pleasure use can be on a lower rate level than cars that get driven a lot. It’s a good idea to make sure your car insurance declarations sheet is showing the correct driver usage. An improperly rated F-150 may be costing you.
Low deductibles cost more – Physical damage insurance, aka comp and collision, covers damage that occurs to your Ford. Some examples of claims that would be covered could be collision with another vehicle, vandalism, and rolling your vehicle. Your deductibles define how much you are required to spend out-of-pocket if the claim is covered. The more damage repair cost you are required to pay out-of-pocket, the better rate you will receive.
How many coverages with the same company – Most companies provide better rates to clients that have more than one policy in the form of a multi-policy discount. The discount can add up to 10 percent or more. Even if you’re getting this discount you still need to compare other company rates to confirm you are receiving the best rates possible.
Insurance losses for a Ford F-150 – Auto insurance companies study historical loss data to help calculate a profitable premium rate. Models that have higher claim frequency or loss amount will cost more for specific coverages.
The next table illustrates the historical loss data for Ford F-150 vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, without regard to make or model, is a value of 100. Values that are under 100 are indicative of better than average losses, while values that are above 100 point to more claims or statistically larger claims.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Ford F-150 SuperCab 4WD||67||110||39|
|Ford F-150 SuperCrew 2WD||42||93||72|
|Ford F-150 SuperCrew 4WD||75||76||101||56||57||76|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insuring your F-150 just makes sense
Despite the potentially high cost of Ford F-150 insurance, car insurance may be required and benefits you in several ways.
- Almost all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability if you drive a 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 vehicle, most banks will make it mandatory that you carry insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender will be forced to insure your Ford at a more expensive rate and force you to reimburse them for the much more expensive policy.
- Insurance protects not only your Ford F-150 but also your assets. Insurance will also pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of having insurance are without a doubt worth the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is overpaying over $750 every year so smart consumers compare quotes at every policy renewal to save money.
Persistence is the key to affordable rates
When getting San Antonio auto insurance quotes online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at the best cost and still be able to protect your assets.
You just learned a lot of information how to get a better price on Ford F-150 insurance in San Antonio. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. Consumers could even find that the best premium rates are with a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give better rates than their larger competitors like Allstate and Progressive.
Cheaper Ford F-150 insurance in San Antonio is possible on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection. A few companies may not offer online rate quotes and usually these regional carriers provide coverage only through independent agents.
For more information, feel free to browse the following helpful articles:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance Quotes for Teenage Males in San Antonio? (FAQ)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Tools for Teen Driving Safety (State Farm)
- Safe Vehicles for Teens (iihs.org)